vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC
State: TX

Complaint narrative:
Received multiple phone calls from a company called Heartland Resolution Group claiming to be a debt collection agency about an outstanding debt of {$45.00} from an ER bill from 2016 they claim has been unpaid. I have no outstanding bills from any of my medical visits. The company, Heartland Resolution Group, is claiming I can pay {$6.00} to get the debt removed from my credit report. I have yet to receive any actual communication from Heartland other than the phone calls regarding this bill. When I asked for them to send me a copy of the statement from the ER/Hospital, they claimed they couldnt find which hospital I was being billed from and neither could they find the name of the doctor who serviced me. In speaking to a representative on a different occasion, they claimed they knew what hospital I was seen at and named said hospital. Talking to a different representative, I was given a completely different response. They also mentioned they received my unpaid bill from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CA

Complaint narrative:
I use the money transfer app Venmo to send money to friends and family. I had scheduled a payment of {$400.00} to be drawn from my checking account and sent via Venmo on XX/XX/XXXX. However, on XX/XX/XXXX, I received a notification on my cell from Venmo, saying that the payment failed due to insufficient funds in my checking account. I confirmed with the recipient that she had not received any payment. Subsequently, Venmo placed a hold on my account, demanding {$400.00} which they claim to have floated in order to complete my scheduled payment. I attempted to contact Venmo through their in-app help chat feature, but their representative simply insisted that the payment had, in fact, gone through. They suggested I ask the recipient to complain about not receiving the payment, but that is not a practical or appropriate solution to the problem that is happening with my own account. The recipient has not received the {$400.00} I attempted to send her, and Venmo has seized {$300.00} worth of payments sent to my own account to satisfy this " debt '' that does not actually exist. They have refused to actually address their mistake, and instead are basically extorting money from me by threatening to send the debt to collections if I do not pay quickly. Consumers should not be put in a position where they have to choose between paying an invalid debt and having their credit score ruined. Please take appropriate action against Venmo , LLC to prevent them from engaging in abusive and fraudulent practices such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Got approved, but then immediately couldn't open my online access because I had to have my checking account number which was shown on a previous page.

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 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Huntington Debt Holding LLC
State: TX

Complaint narrative:
Someone called me from XXXX XXXX ( on behalf of Huntington Debt Holdings ) about a debt that XXXX sent on a purchase that i had been reaching out to the merchant for a year about taking the product back. They allowed me 3 months for a return ( which they extended to 6 months later after i asked to return it ). I contacted them right after i received the product as there was XXXX XXXX on the mattress, the mattress was causing XXXX, and it looked used i had purchased this product using XXXX. I sent pictures to the merchant right after opening it, and they told me no one would pick it up due to covid and extended my return window. I called every month and continued emailing asking them to come get this mattress. They kept extending my return window and offering credits. I told them i dont want credits i want to return it. I informed XXXX  of this and told them ive been asking the merchant to come get it as per being allowed to return it. They never came to get it. 

a man from XXXX XXXX  called me, yelled at me, didnt let me speak, used intimidation tactics ( violating my FDCPA rights ) and then told me VERBATIM " we dont care what your reasoning is '' and that " Huntington Holdings '' does not care about my proof when i asked where i can forward my repeated correspondence. He then intimiated me by saying they will put negative remarks on my credit report if I refuse to pay it, despite me asking to provide the correspondence proof to Prove I had a return request in. Then he said " SO I HAVE TO LISTEN TO YOU THE WHOLE TIME ABOUT THIS? '' and hung up on me when i was providing dates, times and factual information that i can easily provide and asked him to stop talking over me, especially since he just threatened my credit and told me he doesnt care what my proof or reasoning is because lull cant help anymore ( which is false as this goes entirely back to them ). He also tried to say the debt was valdified because I made a few payments ( they collect multiple times a month at XXXX  ) before asking to return it. I told him this doesnt validify debt and he got really irritated that I was aware of my rights. 

He also accused me of having received paperwork that i NEVER received. In fact, before today, i had NEVER heard of this company

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One decided that I did not qualify for PART of the 2nd PPP disbursement I received. While they are saying I didnt qualify for the funds, they did release over {$1600.00} to me out of the funds. I do not understand how my business could qualify for some but not all. I have been attempting to resolve this issue since XX/XX/XXXX. Capital One advised me in XX/XX/XXXX that the funds were finally being sent back to where they came from. However, as of this day, no lenders or other companys/organizations/agencies involved in my PPP loan approval and funding have received these funds. Capital one has refused to give me documentation as to where the funds went, and it only shows as a deduction from my account stating capital one 360. As of today, I am still responsible for funds that I never received, because capital one has continued to handle this situation with horrible processes & customer service. Whenever I contact the company to discuss this issue, I am sent to a voicemail and never called back. This issue has been going on since XX/XX/XXXX & needs to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: SC

Complaint narrative:
The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Sent dispute letter out and came back saying its verified but the debt was paid in full.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: NV

Complaint narrative:
MoneyLion had fraudulently reported on my consumer report and have messed up my credit. They consistently break the cease and desist Ive sent them and continue to report negatively. Ive never given them prior consent to communicate with me and they have broken many of the laws with the FDCPA. And continue to do so by saying I owe a debt of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.

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 2021-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX  from my credit reports as a fraudulent account. However, on my updated credit reports XX/XX/2021, a newly added account appeared in my reports under a different name which is XXXX a.k.a XXXX XXXX XXXX ( so it's still XXXX ) and with the same account number XXXX is reporting negative under Equifax. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
The XXXX credit card company continually makes early morning ( XXXX ) phone calls about late payments. I have been awakened at XXXX with a phone call from them and when I answer, no one responds. The latest calls at XXXX were on Monday, XX/XX/2021 and Tuesday, XX/XX/2021. I called the number back and very strongly demanded that they NOT call me that early in the morning, yet they did it again. I finally spoke with a representative named XXXX and told her I didn't appreciate the early morning calls and that it was illegal to harass customers like that. I advised her that I was going to file a complaint.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect
State: IL

Complaint narrative:
I have sent a debt verification letter on XX/XX/2021 they received it on XX/XX/2021. Ithe company sent me a bill of XXXX instead of the information I ask for. They did not validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I reached out to Experian and notified them that 3 accounts on my credit report are being inaccurately reported. Their " investigation '' took longer than 30 days the first time. I disputed it again, because across all three credit reports, Experian is the only one that shows the inaccuracies. I provided evidence and they still have not fixed the issue. One account Experian has reported as a charge off for more that a year even including a past due balance which is both unfair and illegal for them to do on a closed-charge off account. The account in Question is XXXX XXXX. Next, XXXX XXXX " alleged '' I owe a bill from XXXX XXXX, which is a violation of XXXX as I have not signed anything allowing that company access to my health information or billing summary. This currently shows on my credit report and hurting my financially because Experian will not fix this inaccuracy after multiple recorded attempts on my behalf. Finally XXXX XXXX XXXX account was created identity theft and Experian has failed to truly investigate this inaccuracy. They are willing to use an address that I do not live at and reported I did not live there to verify this information they have " investigated '' to be accurate. I have already provided them a police report to prove this was not me and Experian still refuses to remove this inaccuracy. They are falsely reporting inaccurate information, giving me a lower score, harming me and restricting my rights to financial fairness and freedom and limiting my ability to obtain credit with new businesses because they are reporting false and inaccurate information I have asked them repeated to remove.

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 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was told by my visa card company that it is another scam attempt to get more personal information from me. They told me to contact you to block my phone numbers. it was a fraudulant attempt to say I made a purchase of {$140.00} from amazon .com The phone number they used was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I have a problem with Equifax, I have already sent two reports of identity theft, two letters from the FTC until I have sent them by fax, and every time I speak with a representative they tell me that the letters do not arrive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I already disputed this account ( CCB XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is COMENITYCB/XXXX  which is basically the same as CCB because CCB stands for Comenity Capital Bank and with the same account number XXXX is reporting negative under XXXX  & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My husband and I have been Capital One credit card holders for over 12 years. 

On XX/XX/XXXX, using our frequent flyer miles, ( a total of XXXX XXXX ) my husband booked a flight to attend an event in XXXX XXXX. 

Below is his itinerary : XXXX XXXX XXXX ( XXXX XXXX ) > XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Refundable ( fees may apply ) Outbound Flight ; XXXX XXXX XXXX ( XXXX XXXX ) - ( XX/XX/XXXX ) XXXX Miles Booked Airline Reference Number ( XXXX XXXX ) : Return Flight ; XXXX ( XXXX XXXX ) > XXXX ( XX/XX/XXXX ) XXXX Miles Booked Airline Reference Number ( XXXX XXXX ) : On XX/XX/XXXX, he got word that the event was cancelled to the COVID Delta Variant being widespread throughout Louisiana. 

On XX/XX/XXXX, I logged on to our Capital One account to cancel his flight and have the XXXX miles put back in our rewards account but I couldn't do this, so I called Capital One and spoke to a representative who told me that the flights are non-refundable. 

The only option we had, was that the miles could be put on " credit '', but only my husband could use them ( as they are non-transferrable ) but he would have to have his travel completed by XX/XX/XXXX. Due to medical reasons, my husband will not be able to use this credit by XX/XX/XXXX. 

I have spent over 9 hours between phone calls ( waiting on hold for hours before I even spoke to anyone ) and emailing. 

I called Captial One on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Emailed XX/XX/XXXX I also called XXXX XXXX on : XX/XX/XXXX Emailed XX/XX/XXXX This has been a very stressful and time consuming process and I find it to be totally unacceptable. We are in very good standing with Capital One and we can not believe that we can not put the miles back in our account. 

I appreciate anything you can do for us.

Company response to consumer: Closed with explanation