vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent a lettering XXXX to collect a debt owed to XXXX XXXX - XXXX XXXX For service on XXXX For an amount of {$1900.00} with an offer to save me 50 % if I paid before XXXX as well as an address to pay online. 

This debt has been paid for over 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This would be my eighth complaint on not being able to get the government authorized access to XXXX Listed are the seven previous complaints filed already : XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX On each of the listed complaints that request to gain access or have the restrictions and blockage removed so that my wife and I will be able to download the once a week annual-credit-report from XXXX or to be able to have the restrictions removed from the Equifax site that will allow us access to the paid or equifax.com accounts. 

In each of the previously opened CFPB complaints, their initial response has been " needing more time '' or " needing to contact provider '' when the complaints and subject matter deals directly with Equifax iteself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc.
State: MS

Complaint narrative:
I joined XXXX XXXX around mid XXXX. I enrolled in automatic payment but later realized it was not a rational idea for me at that moment. For the fact that, I was in school struggling to pay my school fees, I have a wife and a newly born kid. And I also worked two jobs. I was only able to maintain the membership for 3 months or thereabouts. Therefore, I called XXXX XXXX center to terminate my membership. I made the last payment, mailed their key back to them and terminated my membership. Since then, no contact or any form of affiliation between me and XXXX XXXX. Just last month XX/XX/XXXX. I checked my credit status and I realized my score was severely reduced. I saw an amount of {$950.00} with a name Kingston Data and credit on it. I XXXX  the company and I called them up. I was told by the agent who spoke with me that it was from XXXX XXXX that they were a collection agency. I called XXXX XXXX but I was told I had to pay that I was on a 2 years contract with them. Every explanation I was making was rejected. Now, the point is, when they knew I owe them, why didnt they reach out to me in XXXX, XXXX, XXXX until XXXX before they start rooting for what wasnt true. I am a faithful taxpayer, a hard working person, I never depend on the government to take care of me. If XXXX XXXX thinks the government is pumping money into the circulation that they want to tap from that, well, not from me. I dont mind going to court with them either. Kindly help see into this matter. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: NV

Complaint narrative:
I am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from 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 non-monetary relief
Consumer complaint received 2021-07-18 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: VA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my 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 2021-07-18 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: AES/PHEAA
State: CA

Complaint narrative:
when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: NV

Complaint narrative:
I am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
This has been reported on my XXXX for yrs as unpaid or paid, switching back and forth. The name of the company is XXXX XXXX XXXX XXXX but that changes all the time as well, or doesnt even have any info or name. I have disputed this account many times and asked for a debt verification proving this is my debt. I have never received any communication or response back. I believe this account is in violation of the HIPAA act of 1996 and any information they have received has been without my consent. That is why they have failed to respond back to all of my requests for proof this is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
15 year customer with Bank of America, past three years have been problematic Online notifications not working, causing overdrawn fees, only getting paid 11 months out of the year as a teacher and getting charged a maintenance fee since no autodeposit in XXXX every year. 
When called to speak to customer service always had to escalate to a supervisor Was told my account was flagged and blocked for any credits by numerous representatives the last few years. 
When I tried to close my savings and checking account by transferring money out I was immediately ( within 24 hours ) charged a monthly maintenance fee even tho the minimum balance {$300.00}, was in the account until the XXXX of the month and I called to close my account on the XXXX. 
The account was fully compliant for 12 out of the 15 days for this month. 
I was not able to close this account since there is a negative balance. 
Again after speaking to a supervisor no credit or proper solution was offered Its a {$5.00} charge. 
I was told that if I didnt pay the negative balance that it would go to collections

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: MO

Complaint narrative:
TransUnion has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to

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 2021-07-18 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: OH

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2021 I ordered two custom towels from the company XXXX XXXX. I never received the towels from XXXX XXXX after many attempts to resolve the issue directly with the merchant. After losing all hope after fighting with XXXX XXXX for over a month, I submitted a transaction dispute with Discover on XX/XX/2021. On XX/XX/2021 Discover updated the status of my dispute to " Initial review of Dispute is resolved in your favor '' and provided a credit to my account in the amount of the transaction, {$70.00}. 

The status of the dispute still remains the same, I still have not received the towels from the merchant - the tracking information from the merchant still says " Shipping Label Created, USPS Awaiting Item '' as it has since XX/XX/2021. 

I didn't receive a letter or email from Discover & the Dispute on the Discover website has not been updated with any additional information. However, my account now shows {$70.00} SALE CHARGEBACK REPOST - REPOST OF DISPUTED TRANSACTION. 

I called Discover twice in order to find out why I am being charged the {$70.00} again even though I have not received my order from the merchant & Discover has provided me with no information why this is being reposted to my account when the Dispute Status remains " Initial review of Dispute is resolved in your favor '' but both times I called I received an Agent in Utah who advised that Discover is going through system updates and they can not access my account to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Trying to pay my PayPal account from my phone and I have spent 30 minutes finding my credit balance without success. Tried every path multiple times. First they switch to paperless. Then they solicit me to enroll in debit. Then they force me to download app which did not work. I am trying to pay them. Took screen shots and cant find PayPal Credit and after that should find Make a Payment. Not to someone else but to the merchant.

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had disputed 3 transactions that the merchant advised me to dispute with the bank. Bank advised they were issuing credit. Never r ceived. Then they charged me a XXXX dollar fee for using a different atm. I would like my money back as well as my credits for Charges for items I never received. Every rep gave me misleading information and I would like this fixed

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filed a complaint here on Synchrony Bank about the closing of my credit cards with them for no reason other than I was XXXX. Now I have received a response from them indicating that I was a high risk of failure to pay. 

I have tried to contact them more than 5 times to find out who has my accounts so that I could set up payment arrangements on my accounts. I know that these account SHOULD have been transferred outside of their bank since they closed all of these accounts on XX/XX/2020. 

No one at their bank can tell me what happened to my accounts. I checked my credit profile and I only see Synchrony Bank listed as being delinquent with them. So, if they do not have the debt, where is the debt? 

Also, one of their representatives gave me a place to call that is affiliated with Synchrony that I would consolidate all of the cards with and pay HIGH INTEREST to basically pay them up to date, It appeared to be some type of scam.

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: FL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit

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 2021-07-18 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: MI

Complaint narrative:
My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit

Company response to consumer: Closed with explanation