vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The below complaint was submitted several months ago, additional time requested before Capital One rep ( s ) chose to turn around, mark it as duplicate when it is not... Complaint was resubmitted, in which case, same behavior, additional time requested to reply before turning around, marking it as duplicate..I request CFPB look into this behavior and matter itself, take whatever action is necessary against Capital One ... As explained in numerous prior CFPB complaints, a Capital One 360 closeout check was intercepted, cashed by a third party while away on vacation in 2018. Capital One reps placed a stop payment on a prior check in error, reissued a second check, sent via XXXX which was intercepted by a third party.. When brought to attention of Capital One, their rep, XXXX XXXX, attempted to imply the person whom cashed check is related, which is irrelevant, signature was forged and person ( s ) whom forged check did not have consent or authorization to sign my nameXXXX XXXX failed XXXX send affidavit, had it been sent at the time, this matter would have been resolved, this is an error on end of Capital One which they will not admit to.. An affidavit was sent several years later, closed out in error, reps by the name of XXXX and XXXX refuse to reissue XXXX. The cashing bank, XXXX XXXX, requested a new affidavit which both reps, XXXX and XXXX refuse to reissue as stated prior. The most recent rep replying on behalf of Capital One, XXXX, apparently also refuses to reissue, refers back to statement made prior stating funds were obtained from person whom cashed check, in which case, the check provided to me did not clear which was explained in prior CFPB complaints ... Further, the person whom issued check is nowhere to be found in which case, a new affidavit would need to be reissued or replacement check sent from Capital One.. In closing, from past experience, Capial One reps do not accept or return calls ... .. XXXX left a number to reach out in which case, I've already left messages, a total of seven, prior for a XXXX XXXX XXXX none of which were returned ... XXXX XXXX with XXXX XXXX Bank XXXX cashing bank, requested a new affidavit which Capital One reps refuse to reissue ... Complaints marked as duplicate will be resubmitted, sent to other agencies for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
Received out of state Emergency Care on XX/XX/XXXX in NC XXXX XXXX XXXX XXXX XXXX for a service-connected XXXX, I am a Veteran of the United States XXXX XXXX I was admitted to the hospital following transport. Address for XXXX XXXX XXXX per statement is XXXX XXXX XXXX, NC XXXX To date, I have received numerous phones and collection notices from Applied Business Services ( ABS ), Inc. XXXX XXXX XXXX XXXX, NC XXXX XXXX. 
The collection billed amount is {$580.00} for Date of service XXXX. 

I have contacted both the collection agency AND the billing Provider ( XXXX XXXX XXXX XXXX ). My insurance carrier has also contacted XXXX XXXX XXXX XXXX due to the following : Dates of service filed to insurance company are XX/XX/XXXX in the amount of {$570.00} and {$27.00}. the claim DENIED as " no dependent coverage ''. 
I am the only subscriber for this policy. Additionally, these are NOT the dates of service i was transported. Nor is there an inpatient claim for these dates of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXXXXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00}, XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00}, ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened a XXXXXXXX XXXX XXXX XXXX ( Comenity Capital Bank ) store credit card in 2022 for the first time. I believe that XXXX steered me to a predatory division of their store credit card company because they re-issued the store credit card to me within a month after I received the first one and because of their merciless late fees and fines applied to my now closed store credit card account. Usually credit card companies issue new credit cards AFTER the first credit card expires, but XXXX issued two different store cards to me without reason. They told me that the original credit card was no good and to use the new one._______________________________________________________________ The problems with this company became more evident in XX/XX/XXXX XXXX  after I paid my bill in full within the same month of the due date, XXXX. My first and last bill for {$15.00} was due XXXX was paid XXXX in full. I did not make any new purchases at XXXX or charge any additional items on the store card after making the final payment in XX/XX/2022. I CLOSED the account shortly in XX/XX/2022. Nonetheless, XXXX and its bank continue to send bills to me with compounding interest and fees as if the account is still open. Closed accounts are to be sent to collections, but not in this case. They reported the account to the collection agencies. They did not send the account to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, original creditor XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
This debt is not mine. I have no knowledge of this account and filed a report an online fraud report already. I have disputed this through the credit bureaus and no action was taken, nor was proof of the investigation provided to me. 

Debt amount is showing as {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/28 I submitted a payment to XXXX XXXX via my Citibank XXXX Acct. I also have a personal checking acct. The personal acct was negative at the time due to Citibank letting a fraudulent charge go though in XXXX which I fought. On XXXX the payment was completely processed and received by XXXX XXXX which I have evidence. I had a balance of XXXX available still AFTER the payment was sent to XXXX  XXXX. Citibank then overdrafted my account {$170.00} which made the joint account negative. I was threatened by a supervisor at Citibank that they would take the money back from XXXX XXXX if I didn't put more money in my account today. 

I was also told they " don't care about XXXX  XXXX and if I receive NSFs from them, it's not their problem '' per the supervisor.

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 2023-03-02 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: DISCOVER BANK
State: FL

Complaint narrative:
Im a victim of identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Late XXXX XXXX, I became apprised of the fact that an unauthorized inquiry appeared on my credit. I attempted to notify Equifax of this issue and initiated a dispute as per their online portal. They failed to do any semblance of an investigation and came back to me later indicating that this unauthorized inquiry would not be removed. As a result, I was forced to complain to a higher authority and filed FTC report XXXX. I mailed a copy of that report as well as another dispute and demanded removal. Equifax has not removed the inquiry as of this date ( XXXX XXXX XXXX ) and is presently in violation of FDCPA. I am initiating this CFPB complaint as a last ditch effort prior to filing civil litigation as a result of Equifax failing to adhere to the laws and regulations it is required to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I applied to the XXXX XXXX apartment complex in XXXX, Florida in XXXX of 2022. The application fee was {$75.00}, followed by a {$300.00} administrative fee for move in. However, I did not qualify to move in, yet they have still been attempting to charge me the entire {$370.00}, as if I had even been approved to move in, in the first place. 

Secondly, if the fee for the application is {$75.00}, what else could they possibly need a {$300.00} administration fee for when I did not get approved to move in. It literally does not make any sense. It is just a scam to try to charge people this amount for simply applying and then falsely reporting it is a debt or collection to be paid. 

I have already filed a complaint with the local XXXX XXXX XXXX, and filed disputes with XXXX and XXXX, as well as directly to the collection agency itself. False credit reporting is illegal, if any party involved needed to be reminded. Therefore, I am asking that this false debt stop being added back on to my credit report, especially when it was already once removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I see this medical debt on my credit report and have sent a letter on XXXX/XXXXXXXX to be removed as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I have received multiple calls from this debt collector and have explained this debt is not mine. I have also sent a letter dated XX/XX/2022. This debt collector has placed this debt on my credit report after I have given written notice that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America credit card Paid {$51.00} outstanding balance on XXXX/XXXX/23 This amount was taken from my checking account, but now a second {$51.00} has also been deducted ( XXXX:23 ) Calling Bank of America automated response admits a credit if {$51.00} - bug I have not been able to reach a live person in three attempts to ask that the second deduction be returned.

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 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution. Violation? I don't know forsure 18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation 15 U.S.C 1635 CHIME Bank ICBC XXXX XXXX # XXXX Reused to return my funds of XXXX $ from an unauthorized transaction that occurred XXXX or XXXX I'm still trying receive my money Back from this deceptive fraudulent corporation my I did everything they asked to get it return each time I was to receive my credit or any similar an issue occurs whereas the time frame has just reach its limitations the same the funds where to Be deposited instead denied deceptively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
have an account with Lexington Law, opened on XXXX XX/XX/XXXX. I had one negative creditor due to me missing XXXX payments, and it was hurting my credit score. I disclosed that to Lexington Law. They stated that they would help me remove the negative charges, and help me get my credit score back up. They took out a payment of {$130.00} on the XXXX of XXXX and on the XXXX of XX/XX/XXXX. My credit score dropped by XXXX points when I checked on it in XXXX. I could not access any documents to show proof of what Lexington was actually doing for me. I got assistance from XXXX XXXX XXXX from a financial counselor. We called XXXX and spoke to XXXX at XXXX on XXXX XX/XX/XXXX. He stated that Lexington had sent an intervention letter to investigate those late payment items. I stated that I knew I was late and the charges were accurate. I was told that the services would improve my credit score, and instead it had dropped further. I requested a refund of both of the payments and for my membership to be canceled. At XXXX XXXX instead tried to change my membership, and I refused and again stated that I wanted a refund and to cancel the membership. At XXXX I asked directly, Are you refusing to cancel my membership? and XXXX said, No worries. He then stated that he was willing to cancel, but I had to make a final payment of {$120.00} on XXXX XXXX. At XXXX I asked XXXX to confirm, and he stated that Yes they will not be refunding me for any of those XXXX payments. I persisted that I wanted a refund, and to cancel. At XXXX he transferred me to his supervisor, XXXX. He asked if I had late payments, and when I responded yes, he said XXXX, okay as if that was new information even though I had disclosed that at the start of my membership with Lexington Law. I again asked for a refund. XXXX said he can only refund XXXX month, and refused to make the full refund of 2 months payments. He confirmed that he was canceling the XXXX XXXX payment of {$120.00}. My financial XXXX again informed him that it is illegal to dispute when the charge was accurate. We finally agreed to take the XXXX month refund he was offering, and informed he that I would be filing a CFPB complaint about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
I reviewed my credit report and noticed a collection entry for Receivables Management Systems. XX/XX/2023, I sent a dispute letter requesting validation of the debt. Receivables Management Systems replied by letter, XX/XX/2023, which included a printout as " proof '' of the debt. Pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws, validation is competent evidence bearing my signature. Per the law, a printout does not " validate '' the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In Accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-02 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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