vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I must thank you for what you are doing. The thing is that I was asked to take a XXXX ( XXXX XXXX  ) to start with my activities in my school. I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I showed them the XXXX ID of the insurances ( XXXX, XXXX and XXXX XXXX ) and the " nurse '' told me I didnt need to pay for anything. Then, they asked me to come back on XX/XX/2019 to check my arm. I showed the insurance ID cards once more and the person who saw my arm said I didnt need to pay for anything either. Now, I received a letter saying I need to pay XXXX {$44.00} for them. Im NOT going to pay for anything because after explaining lots of times what happened to the company which brought me as XXXX ( international teacher ) te situation, they told me to contact one of my insurance company whose name is XXXX. The person from XXXX said to me that I needed to ask XXXX XXXX to submit the claim to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ). I sent an email to XXXX XXXX on XX/XX/XXXX letting them know how they can submit the claim to XXXX but I keep having this debt. In fact, I have been receiving letters from XXXX XXXX XXXX XXXX telling me about consequences if I dont pay the debt. I feel intimidated and harassed by both XXXX of South Carolina and XXXX XXXX XXXX. When trying to call the XXXX XXXX of South Carolina, you can use more than XXXX minutes of the phone without any answer. They do not take calls. Abusive people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported XXXX days late, XXXX days late, and XXXX days late twice on my credit reports since account closure sending my credit score plummeting to the low XXXX from a XXXX, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even XXXX days after account closure a XXXX days late, XXXX days, and XXXX days late payment in account history has been noted on my account as well as a charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I'm trying to link my account with XXXX which is a savings/budget app on my phone and its saying it can't link and that's there's a connection issue. PNC isn't even listed as an option to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was informed on XX/XX/20 that my mobile deposit of {$4200.00} will be placed on a hold. I called to see why and was eventually told that it may not be placed on hold. In addition I have an email stating check available balance before using funds to ensure money has been released. The next day my account showed {$0.00} hold and my full check was available to use. As of XX/XX/20 I get an alert that not only has my rent been returned, Im overdrawn by {$920.00}. I called and have spoken to reps and no one can explain why after XXXXyrs as a customer I have a check on hold for the first time ever, why it showed my money was ( is ) deposited and available but not really available, and why no one can fix this. Not one person who works for Suntrust can correct this error or tell me anything. I dont understand why a paycheck thats normally a direct deposit drawn on XXXX XXXX deposited into Suntrust should be put on hold. Its not a personal check, over {$5000.00}, or from a foreign company. Its the same company that directly deposits the same funds. But no one can help me. I need somebody to help me. Suntrust showed my money was available to use. The rep said if it says the money is available then the money is available to use and yet no one can tell me it isnt available and why they wont release what shows is available. Its confusing and makes no sense. I need an advocate. Suntrust is being fraudulently and untruthful with my money from my paycheck.

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
I live in XXXX, Nebraska. A lawyer for XXXX XXXX XXXX, XXXX XXXX XXXX has sued me for {$1300.00}. I have never owed this money to any individual, company or agency. Nor was I given a written notice that I would be sued, before I was actually sued. I was denied any opportunity to dispute the fraudulent debt outside of court. A simple web search proves that this law firm has been the recipient of multiple complaints in the past 12 months. ( https : XXXX ) The address for the lawyer listed in court papers is XXXX XXXX XXXX XXXX, XXXX XXXX , MN XXXX. I was served with a certified letter containing a Summons issued by XXXX XXXX XXXX in Nebraska post marked XX/XX/2020. The postal service did not deliver the letter until XX/XX/2020. I have never lived in, or traveled to XXXX. 

The plaintiff, Ffif-acm XXXX XXXX XXXX, is a foreign limited liability company with no physical office in Nebraska and perhaps not even in the USA. They have all the hallmarks of a shell company. I have never done any business with this company and I have never borrowed money from this company. I have not been presented with any bill of sale, receipt, invoice or signed contract showing when I agreed to pay this money. Nor have I been shown any documents to explain what purpose the money is allegedly owed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I went into a branch located at XXXX XXXX XXXX XXXX XXXX NY XXXX, a teller told me to insert my card and input my pin, which i did, she then asked for my i.d, which i gave to her, then stated she needed to ask some security questions last 4 of social, address and email, i gave her my social and address and stated to her my email was my first and last name XXXX said then indicated that my email was wrong she then told me to log into my mobile account which i indicated to her that my phone was in the car and that i never herd of a teller asking for anyone to log into a mobile account. i then asked for my card back and just used the ATM to withdraw some funds. i then left the branch later to see that she in fact had my account suspended i called the number on the alert and had the suspension removed and at that time initiated a complaint against her because she profiled me wrongly cause i was XXXX wearing a baseball cap. capital one 's office of the president also indicated that she had no right to ask the things she did and that a i.d was all was needed to withdraw my funds, her name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, while on the trip to XXXX, the country was about to close its border due to the quarantine. Our return flights ere cancelled and i had to purchase another tickets from XXXX XXXX through the travel agency XXXX. 
I never received confirmation email from XXXX. Only two hours later, i received cancellation email from XXXX. I was then forced to buy another tickets from another company. 

But on XX/XX/XXXX i saw the 2x {$370.00} from XXXX on my Citi Card. XXXX was able to find my booking number, but told me to contact the XXXX to received either credit or refund. 
I called XXXX and they said they can not find any information about my purchase and there is nothing i can do. 

I then contacted Citi Cars to assist me to get refund, because i paid for services i never received. 
Citi Cards never asked me to provide any evidence and two weeks later sided with the merchant. 
My further attempt to contact the Citicard were fruitless, the number i was told to call by customer services is automated system that keeps kicking me out.

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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My account was fraudulently withdrawn from over 5 times for a transaction amount of XXXX $ each time. The bank canceled out my card because of this activity, and even told me I was experiencing fraud on my account. Yet, now my account is XXXX in the negative, worse situation than I would've been in if I wouldn't have ever called to let them know the suspicious activity that was going on on my account. This is not fair to me or my family at a time like this. Bank of America 's representatives even tried to accuse me of the fraudulent activity. My account has been tampered with ever since the pandemic. This is really not fair to me. And I will be hiring a lawyer to subpoena the owner of that ATM, because I need to get to the bottom of this and be REIMBURSED for the changes I have been taken through! I should not have to suffer from the bad end of this, when none of this is my doing or my fault.

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is allowing repeated inquiries into my credit history without authorization. The inquiries are apparently from " TransUnion Interactive '' without authorization. I demanded all copies of authorizations for credit inquiry. TransUnion is requesting PII information from a company called XXXX  and XXXX XXXX  without my authorization. XXXX and XXXX XXXX   provided information about me without my authorization. As you know, ACH Transactions are controlled by the Federal Reserve System not by private industry. Therefore Banks must be providing " Deposit and Banking Transaction '' unrelated to Debt to third party entities without my authorization. I request the Federal Reserve to issue a Regulation prohibiting the release of transaction information without consent of the individual. 

The data in my bank account is personal protected information by Federal Law. I did not authorize any release and any request for a copy of the information is requiring additional Personal Information which is also illegal under Federal Law. The information provided in the request for information in their databases is then augmented by the request for a copy of the information on the individual.

Banks are not suppose to request a " Credit Report '' as part of the process to create bank accounts but are requesting " credit reports '' instead of " verifying identity which is illegal under Federal 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 explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was evicted from XXXX XXXX XXXX  in XX/XX/2016. Manager XXXX told me not to pay rent and just to move due to previous altercations with neighbor below me. However, during court appearance, the balance owes was only {$1300.00} and now I have a creditor named Pro Collect trying to collect XXXX in owed rent which I feel is unfair if the manager refused my rent payment. This has caused hardship in me finding other places to live and I was forced to live with relatives because no one would accept me with that large amount being owed.

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
DEBT COLLECTOR WAS PAID IN FULL/ ARS WAS NOT IN COMPLIANCE ' INSURANCE COMPANY, PAID DEBT IN FULL AND SHOWED PROOF OF PAYMENT. 
FROM ( CFPB ) DOCUMENTS SCANNED IN.

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 2020-07-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with financing thru Consumer Portfolio Services. In XX/XX/XXXX the vehicle was in an accident an deemed a total loss. At the time of the loss the account was current, with no late fees or charges on the account that needed to be paid. At that time we had two gap insurance policies. One with XXXX XXXX XXXX which was part of our contract when we purchased the vehicle and another thru our auto insurance at the time. Gap insurance paid our balance that was due through multiple disbursements. Consumer Portfolio Services received payment from XXXX XXXX XXXX and the gap coverage through our auto insurance. After reviewing statements from CPS, XXXX and XXXX ( our insurance at the time ) we discovered what appears to be fraudulent activity in order for CPS to collect more money than what they were entitled to. It appears to still be the case. They have gone as far as reporting information to the credit bureaus stating that we owe them money, altering payment history, late fees, and other charges to make it seem as if we owed money at the time of time loss. They are still collecting money from Gap insurance payments thru XXXX as of XX/XX/XXXX and still say we owe. XXXX has informed them to waive a total of {$3300.00}. They refuse to update the credit with a paid XXXX balance, with no late payments as of the date of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported 90 days late, 60 days late, and 30 days late twice on my credit reports since account closure sending my credit score plummeting to the low 500s from a 650-670, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even thirty days after account closure a 30 days late, 60 days, and 90 days late payment in account history has been noted on my account as well as a charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I recently got a disturbing email from FIFTH THIRD BANK as it relates to a now closed auto account. The email stated that i changed my mailing address which is false, i didnt change anything at all, been only waiting for title. It seemed as though someone on their staff inputted a previous address from well over a year ago. For what? To ensure i dont get my car title? This is absurd. I paid off my car completely, sent the payout wired funds on XX/XX/XXXX, i was told i'd be mailed my title ( pink slip ) soon thereafter ( 10days after ) It is now XX/XX/XXXX, i just got off the phone with a FIFTH THIRD BANK customer service rep who said she just removed the old address and Reupdated the mailing address to my current which in my online portal was already showing this whole time ... 
I am filing this complaint under CFPB so that i can feel secure that i'll receive my title TO MY CURRENT AND ACTUAL ADDRESS, and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Free XXXX XXXX XXXX  order telephone number ( XXXX ) should have a record of my call to order my free credit report from all three agencies on XX/XX/XXXX. Although XXXX  and XXXX  did send me my credit reports with that date, TransUnion did not. Instead of sending me my free annual credit report in compliance with federal law, TransUnion sent me a letter dated XX/XX/XXXX ; that falsely claims that their records show that they have already provided me my free credit report within the past year. My records and the XXXX, telephone number records show that my last order for a TransUnion credit report was on XX/XX/XXXX ; and they sent me my free annual credit report printed on XX/XX/XXXX. XXXX promised to mail me my credit report during my phone call to TransUnion 's telephone number at XXXX XXXX XXXX XXXX to resolve this issue with the company on XX/XX/XXXX. Unfortunately, TransUnion never sent me my free annual credit report. If TransUnion claims that my access to their credit report was made through the internet, please have them permanently shut off internet access to identity thieves who fraudulently order my free annual credit report. Please force TransUnion to immediately send me my free annual credit report in compliance with federal law. 

Please also issue a rule that credit agencies may not claim to have already sent a free annual credit report if the Free XXXX XXXX XXXX order telephone number ( XXXX ) shows an order date more than one year old. Perhaps credit agencies send the letter falsely claiming to have already provided a free report to fraudulently charge consumers money for a credit report in violation of federal law that says it should be free.

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