vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Today XX/XX/XXXX, after going back and forth with XXXX XXXX XXXX Hospital and XXXX XXXX, and getting a response from XXXX/Commomwelath, I have gotten many different answer to my issue. I spoke to the finance director of XXXX XXXX XXXX Hospital, he states that my insurance was provided to all providers at the time of service and I should of been taken care of just with a copay, XXXX XXXX states that if the claim was processed on time, my copay for Doctor XXXX XXXX XXXX office ( now in collections by XXXX XXXX/Commonwealth ) and other expenses would of been taken care of by my FSA account from XXXX, instead XXXX XXXX XXXX  office filed the claim on XXXX, 2 years later. I shouldn't be held accountable because and office forgot to do a claim, I don't mind paying my part or my copay. XXXX XXXX states that it is not patients responsibility and states that they can be contacted by collection office at XXXX, member number XXXX, and also provided me their XXXX XXXX XXXX, XXXX, FL XXXX. 

Complaint filed on XX/XX/XXXX : On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from Commonwealth Financial Systems , INC collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly. This is illegal, this debt has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i seen my credit report and equifax closed my account without my consent.i never ask them to closed it and it is against the law.i have letters of me disputing with them.It has affect my credit score that i can not attain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: OK

Complaint narrative:
I was getting the card for someone travel to the states and was setting it up with his name. I then asked to have activated and they stated no. When ask for a refund they said they would send. I have all of the emails of this activity but I have I have never received after over a year of waiting for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I have received two calls thus far from Merchants Credit Guide Company our of  XXXX claiming that I owe a debt. However, they will not give me information regarding this debt unless I provide them with my birthdate and other personal information first. I am worried this is a scam and did not give them my information unless they give me their information first. They called from a phone number XXXX XXXX XXXX XXXX. My FICO score is XXXX. So I have no idea what debt I could have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I went to court XX/XX/XXXX with a case Ford Motor Inc vs myself for a balance of {$23000.00} on previous truck I had returned in XX/XX/XXXX. My lawyer was able to reduce the amount to {$12000.00} in which XX/XX/XXXX I pay the amount of {$150.00} per month until paid in full. They said that Ford would fix my account and place it in good standing. In XX/XX/XXXX since I had 3 payments under my belt I checked my credit report and it had not updated. So in XX/XX/XXXX I disputed with all three credit bureaus and I submitted a copy of my court settlement papers. Two of the credit bureaus verify that the information was correct when they called Ford. On XX/XX/XXXXI reached out to my attorney and the reach back out to the Ford lawyer and they wont respond about the credit reporting. On XX/XX/XXXX I called Ford Motor Inc and why account was not reflective after the case and the lady forwarded me to another department. The gentleman their told me my account went to a attorney and that they haven't received and updates for attorney. I explained to him that the case had already went to court but he says they can't talk to me and I have to speak with there attorney. So that evening I mailed a copy of my settlement paperwork to Ford Motor Inc to show them that it was settled and the amount has changed. Because they are not updating this information I have been unable to refinance my home and can not get any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I made a promotional purchase for 24 month interest free. The purchase was on XX/XX/2016 for {$1300.00}. Every payment I made I would make sure it was applied to my promotional balance, as I was repeatedly emailed the answer that the promotional balance was paid first. Because of the interest not being charged if paid before the promotion expired. I have every bill from when this account was created and almost every payment was not applied towards the promotional balance. Over {$2100.00} of on time payments were not credited towards my promotional balance. Now I have a court summons, which I will answer with and submit all this evidence. There is also a letter from Citi Bank / Best Buy stating there was fraud on my account of over {$500.00}, that was never resolved. They transferred the account to a new card, and more charges were added on to the bill. With no reference of the charges. Now the amount owed reached over {$3000.00}. The customer service could not answer any questions about the balance or the payments. I believe this is very deceptive practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX and I have been a XXXX XXXX XXXX member for over 20 years ( # XXXX ). I recently rented a XXXX car on XX/XX/XXXX ( Rental ID # XXXX ) at the XXXX XXXX XXXX XXXX. I put my bag in the trunk of the car, and entered the driver 's door. 

Upon reaching my destination in XXXX XXXX, I exited the car and noticed that there was a huge dent on the rear passenger door. I did not create this dent nor was I in an accident. I inherited the car this way which had not been adequately reviewed by XXXX staff. 

That evening, I contacted XXXX and had a lengthy conversation with one of your representatives ( case # XXXX ) in a good samaritan gesture and was told that I would not be responsible for this charge. When I returned this car on Saturday XX/XX/XXXX at the XXXX XXXX XXXX XXXX, I was told by the person receiving my car that he did not have time to fill out a return " incident form '' while I was waiting and was asked to sign a blank form. 

On XX/XX/XXXX, I received a bill for {$1500.00} for damages that I did not incur, but rather inherited. The claim number is XXXX. This attempt to collect a debt by Viking Billing Service, was the first notice I had received by any representative of XXXX. In other words, XXXX sent the bill to collection before even contacting me regarding the bill. 

I believe in justice and fairness, and I have no intention of paying this bill for which I am not responsible for as I did not create the damage claimed. Rather, it is the incompetence of XXXX staff to not identify this damage and take this car out of circulation prior to my rental which is at fault. It is immoral and illegal to attempt to procure a debt from someone who is not responsible for the creation of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i tried to open a bank account with bank of america online, ( i am a XXXX XXXX XXXX XXXX XXXX ) and pass all the verifications but at the end it deny me a simple checking account for no reason. see attached. when i call them they cant confirm whats the reason. can you please help a XXXX person under ADA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST

Complaint narrative:
sir, this is the second time i am submitting this complaint. previous complaint on this issue brings no reply from bank. i filed the previous complaint when i was in immigration custody. following is my new mailing address. 

( 1 ) : Dear CFPB. I am a victim of a fraud by Bank of West and I need your help. The details are as follows. I had a checking account with this bank. Account number XXXX. In 2012 a perpetrator made withdrawals from my account using debit card for a total of around {$6000.00}. see attached, which is a copy of bank statement. When I discovered, I filed a claim and submitted the paperwork. The bank was slow, very slow. I had a heated argument in the branch because I need the money for my business and bank did not provide provisional credit. 

( 2 ) : In retaliation, the manager closed my account. notifying me that my account is closed on XX/XX/2012. After closing the account, they completed the investigation regarding the withdraws and concluded in my favor and issued a cashier check of {$6000.00} see attached which is a letter from bank notifying me that a cashiers check is issued ( not mailed ). 

( 3 ) : Either way, I kept waiting for a year and keep calling the helpline. It took me 25 minutes to get hold someone and another 35 minutes to explain and seek issue for the cashiers check. 

( 4 ) : After numerous calls, I received a cashier check of {$43.00} which was a joke and as a protest I never cashed it. I am deprived of my hard earned money. Please help I appreciate. 

XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX  " XXXX  '' XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX  collection for medical debt this company have not verified this debt with me. Due to privavcy they have copies of XXXX  information with out hippa consent Please show and send a copy of the hippa consent bearing my signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: GA

Complaint narrative:
On or around XX/XX/20 I recieved a letter from National Service Bureau , INC . Demanding a payment of {$13000.00}. This demand states that the lost to their client was in the form of an auto accident which supposedly occurred onXX/XX/XXXX. It names me and my wife but we were never in any accident on that date. The letter further states that if we dont respond in 5 days they would bring to have our drivers licenses and car registration suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
I haven't received any physical notifications of the origins of the debt, amount owed, potential due dates or notifications that my debt was going to a collector. This debt was also incurred by me being a victim of a tragic incident ( surprise shooter ) who got away. I was XXXX at the time and my credit is suffering drastically because of this mass collection amount on my report. I looked into potential avenues to help consolidate this debt through the hospital and they only had some outrageous payment plan that I had no way of affording on a monthly basis. I'm still looking for various avenues to consolidate this debt through the XXXX XXXX XXXX due to the incident taking place in XXXX Virginia. I was XX/XX/XXXXXX/XX/2018, rushed in an ambulance, and was probably charged an outrageous amount for medical care from the XXXX XXXX Hospital. The collection debt is {$8800.00} and was opened XX/XX/2018. While I was in college striving to graduate no attempts to rectify this debt with me was attempted prior to sending it to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received an email saying I sent money to someone from my credit card account through paypal. I did NOT do that and I don't know the name it was sent to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax fail to unfreeze my credit report after I have sent verification of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was stolen ( including my Social Security number ) and was used to open up loans and credits cards from around XXXX to XXXX. I reported this to the police and made a police report in XX/XX/XXXX. I did tell them about Capital One and several other companies, but they were not listed in the report. I do not have a legitimate suspect to name as I do not have evidence. Around XX/XX/XXXX, a case was opened up with Capital One 's fraud department. A fax service I used failed to work and so the case was closed with my being at fault for the account. They did not send me any documentation regarding this resolution to my current home address. 
A couple of months later, in XXXX, XXXX sent me a credit report saying that the Capital One account I had disputed was added back. An agent told me that they had verified my identity using public information. 
The thief had used a number that I had never used but was associated with me in public records. I believe this is another faulty methodology as a tactic used by identity thieves now include adding false information, such as phone number and addresses, to public records. I was told over the phone to send over an affidavit, my lease agreement, and the police report. All were sent over but I was told multiple times that I needed to include a suspect name and list the card in the report. A member of the XXXX Sheriff 's Department told me that they could not list the card and I could not name a suspect without evidence. Despite this, Capital One requires me to do both, and refuses to go forward with the case until I do so. 
Capital One Case Number : XXXX. 
Account ID : XXXX. 
I had never received the card nor have I opened a Capital One account. The balance as of XX/XX/XXXX on the fraudulent account is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclays card increased annual fee and when the card was cancelled did not Refund the fee/s.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have had an Amazon account for many years. In XX/XX/XXXX I signed up for Amazon Prime and the monthly fee was charged to my preferred method, that being my MasterCard Number. Then, in XX/XX/XXXX I signed up for the Amazon Store Card while I was in the midst of a purchase. It told me that it would be making my Amazon Store Card my default method of payment. As I did not want that my default payment, I changed my default back to my MasterCard. All of my purchases started going to my MasterCard as expected. Then on XX/XX/XXXX I see an email from Synchrony Bank telling me that I missed a payment on my Amazon Store Card. There should have not been a balance due as I changed my default payment back to my MasterCard. Unfortunately, when I changed the default back to MasterCard, unbeknownst to me, Amazon billed my Amazon Prime fees for the month of XX/XX/XXXXand XX/XX/XXXX to the Amazon Store Card even after I changed my default setting. As you can see in the attached screen shot, it clearly states that the default payment method will also apply to other digital purchases, but they failed to apply it to my Amazon Prime fees. I now have late payment notices to an otherwise unblemished, 100 % clean credit score because of this. Amazon needs to write a letter to each of the credit reporting agencies and to me explaining these late payments are not my fault and that these marks are to be expunged from my record. I have already talked to Synchrony Bank and the reimbursed the left fee and the finance charges. Now, Amazon needs to do their part. They also need to fix their system to properly notify their customer 's what the default payment does and does not apply to. I have also noticed that the default payment method does not effect each individual shipping address a person has. Each address appears to get tied to a different default payment method, but this is not disclosed when reviewing your wallet information on either the app or the site. This too is misleading. While they can claim Synchrony bank was sending me emails, I do not open emails unless I know I have a revolving balance with a specific creditor. As I was not aware Amazon was billing Amazon Prime fees to the Amazon Store card, as far as I  was concerned Synchrony was sending me marketing emails that I was not interested in and did not want to spend the time opening them. I have since closed my Amazon XX/XX/XXXXStore account to prevent this from  happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief