vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On the XXXX of XXXX, XXXX, I had a physician 's visit at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ). This doctor 's office is affiliated with Texas XXXX XXXX XXXX. I submitted my medical coverage insurance ID card to the front desk prior to being seen by XXXX XXXX. On XX/XX/XXXX, I received a voicemail from the number XXXX ( XXXX ) XXXX that stated that they were calling on behalf of the XXXX XXXX XXXX in an attempt to collect a debt. I called that number and spoke with one of the company 's representatives. She informed me that I owed an outstanding balance of {$320.00} that had been submitted to the company by Texas XXXX XXXX XXXX. Prior to this call, I had never received any bill from either Texas XXXX XXXX XXXX or XXXX XXXX XXXX. I then contacted my insurance company ( XXXX ) and was informed that I was supposed to co-pay only {$20.00} for the physician 's visit. I connected that XXXX representative to a XXXX XXXX XXXX representative, and during this interaction the XXXX representative did inform the XXXX XXXX XXXX representative that the insurance company had already paid the majority of the account and that I was supposed to pay only the remaining {$20.00}. The XXXX XXXX XXXX agent promised to look into the issue and get back to me as soon as she had an update. However, I have never received any update from her or the XXXX XXXX XXXX XXXX since that conversation. On XX/XX/XXXX, I received an update from XXXX and XXXX credit bureaus that the XXXX XXXX XXXX had submitted the debt collection to my credit reports. I submitted a dispute of this account on XXXX on XX/XX/XXXX and did include the proof that my health insurance had covered the charge in my dispute. My dispute results came back on XX/XX/XXXX with the following status " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' I submitted another dispute through XXXX and included the proof of insurance coverage benefits. The results of my dispute came back on XX/XX/XXXX with the same investigation status as the one from XXXX. Although I did submit the evidence that the account had been paid for by insurance company, these credit bureaus took no action to protect me as a consumer. The balance of {$320.00} is still on my credit report and my credit score has been significantly hurt by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Lease
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: Motolease, LLC
State: SC

Complaint narrative:
This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a wreck. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone. I have included the copies that were sent to our attorney via email because Motolease never sent any correspondence to me in regards to payoff. This is still showing on my credit and affecting me with other things overall. This is my second consumer complaint because the company responded with a random reply not addressing the issues as they have been since the beginning of this lease. I signed 5 copies of the lease after picking up this bike. I have several call logs and other documentation I just want this removed completely the bike has been paid off were told this a long time ago and nothing. Call me explain don't just allow this company to reply without fully investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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:
To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.

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 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I've not persuaded the 3 Credit Bureaus efficiently please the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CAINE WEINER. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested all security freezes and alerts be removed. I have sent in numerous requests for these to be removed to no avail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested all security freezes and alerts be removed. I have sent in numerous requests for these to be removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
XX/XX/2021 : I received a notification that Apple/Goldman sachs closed my apple credit card with no information or notice. When I contacted support they were unable to provide any information other than my account will be reviewed within 5-7 business days and I would hear back. 

XXXX : After not receiving a response or any information I contacted support again only to be told my account was still under review and they were unable to provide any further information. I was told again It can take up to 5-7 business days.. 

XX/XX/2021 : Contacted support for a third time. This time I was given a phone number an advised that I would need to call a specific team to discuss my account. 

I called XXXX to be told my card was closed due to expected fraud. I have never experienced fraud nor have I ever used my account in a way that violated the agreed to terms. They explained that they received a fraud report. This is when I realized that my husband had disputed my apple account on his credit report. I had shared my Apple Card with my husband to allow him to use the card on his phone as well. I was unaware that sharing access meant the card would be reported under his credit report. 

During this time my husband and I were refinancing our home. Our mortgage broker indicated we would get a better rate if he removed my Apple Card from his report. My husband when to the credit agencies to have this removed. He selected the option that indicated that it was NOT fraud but that the card belonged to a family member and that he didnt want it on his report. 

I explained this to Apple on 2 or 3 separate occasions. I offered to provide documents to prove who I was and that my husband did not intend to close my account. 

XX/XX/2021 : I contacted and asked to speak with the fraud department. I explained the situation again was again promised a callback from a supervisor and that my issue was escalated. I was given a 24-48 hour turn around but again no one called. 

I have tried repeatedly to contact Apple/Goldman Sachs to resolve this issue and reopen my account but have experienced extremely poor service. This is a newer account that is carrying a balance. Closing the account summarily will effect my credit. I would love to continue being a customer and having access to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid with my debit card from the citi bank bank my debit balance in the company, for the month of XXXX payment that I made on XX/XX/XXXX at XXXX XXXX and it was posted as paid on XX/XX/XXXX and At & t never I received the money, and I still have the debit balance with at & t, I have proof of the bill that they are charging me where it says they never received the money, this gives me very little confidence because this is the bank where I receive my direct deposit from me work.. I want to know if at & t does not have the {$180.00} that I paid and posted on my account statement that I was paid and they do not have it, then where is my money????? I feel cheated, robbed, frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
These companies are harassing me reporting information incorrectly to the credit bureaus I have not done business with them National credit systems XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
A contact of the debt collection company They disclosed what procedure was done at the doctor 's office which is invite direct violation of hipaa And they did not notify me of the debt or give me time to dispute the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV filed a lawsuit in the state of Virginia in the city of XXXX for a debt on a closed credit card account with XXXX XXXX XXXX which took place as a video meeting with the judge, due to COVID-19 in XX/XX/2021. I filed a dispute with the company, XXXX XXXX XXXX and the XXXX District Court House submitting interrogatories highlighting the validity of the debt and their legal licensing authority. I submitted a copy of the Fair Debt Collections Practices Acts within section 609 and the company was ordered to stop their collection practices and answer the interrogatories via a court rebuttal filing to me as well as to the XXXX County Court Clerks office. As of XX/XX/2021, LVNV continues to report negative impacts to my credit bureaus XXXX, XXXX and XXXX. Ive submitted disputes to these credit bureaus and have placed a lock on my credit file. Nevertheless, LVNV is still reporting negative balances with increases deterring my good credit rating. 

I am seeking removal of this account from all 3 credit bureaus permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CHRYSLER CAPITAL Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 a letter was sent to Experian CRA to remove incorrect information on 2 accounts on 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
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the account, MIDLAND CRED, remains on my credit report in violation of Federal Law. They neglected to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
To whom it may concern, I receive a letter dated XX/XX/2020 XXXX XXXX XXXX XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at XXXX XXXX has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.

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 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Not familiar who this company is and shouldnt be contacted me about a inaccurate information. 

15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes State Regulations prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

( Pub. L. 90321, title VIII, 802, as added Pub. L. 95109, XX/XX/XXXX, 91 Stat. 874. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I saw a credit collection on my credit report from Penn Credit Corporation This is a debt that was tried to be collected by another company. 
I contacted the previous company to get more information and that company failed to provide any information. The debt was removed and now this company is showing on my credit report. 
I contacted Penn Credit Corporation on XX/XX/2021. I spoke to a XXXX, who was very unprofessional and asked me for my personal information over the phone, social security, address, etc. 
I responded by saying, if you are trying to collect a debt, you should have that information already, I'm not giving it to you. 
I confirmed the last XXXX digits of my social security number and then, she proceeded to very unprofessionally ask to pay the debt. I said, I would be willing to look at a formal correspondence from this company about the debt to be collected. I asked if she had my address and she said she did, which was correct. I asked them to send me a letter specifying the debt and whatever terms I needed to adhere to. She did not mention anything about what my obligation were in regard to disputing the debt or any other information. 
I did not receive any written notices about the debt or any other communication. 
The debt collector mentioned above did not provide any of the information they are required to provide and they did not send any written documentation after that call, as they are required within XXXX day. I requested the written notice and still did not receive anything, over a month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made 2 purchases that should have been covered under buyer protection. I sent capital one proof where I the customer was fraudulent ripped off and both times capital one sided with the business without looking at my proof. 

Claim number 1- I purchased a table cloth for my wedding which should have been 120 inch. I received the table clothe it was 20 inches and barely covered a children 's table. I sent capital one the complaints on the seller and picture of the ad and product. The seller told the bank I was satisfied with the purchase which was a lie and capital one closed the claim in their favor. 

Claim 2- I went into a nail shop, and the nail tech was awful and had an attitude. I was there for 4 hours and finally told her to stop so I could leave. I did not sign the receipt. I called the nail shop with capital one on the phone and the nail tech herself said that she doesn't remember me signing the receipt and agreeing to pay.

When I called capital one I spoke to two people with extreme language barriers and got no where. This is now a billing dispute because I am moving all funds out of the bank. 

I need someone to call me.

Company response to consumer: Closed with explanation