vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2021 I paid XXXX {$2400.00} deposit for a property that I and XXXX other people were going to rent for a that was planned from XX/XX/2021 - XX/XX/2021 with my Capital One Credit Card. I made my last two payments on XX/XX/2021. The first payment was for {$1000.00} and the other {$1600.00} for a total of {$5000.00}. This was for an exclusive upscale house rental for 7 days. The house was very very unsanitary. I contacted the owner, XXXX and after no results Capital One to dispute the charge because of the living conditions we had to settle for. They put in a dispute for the {$1600.00} and said the {$1000.00} was returned for the deposit. They said the could not do anything about the {$2400.00} because it had pass their 6 months return policy and their was nothing they could do to recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
i am unable to get my report. i have tried multiple times but to no avail. i have also sent out mails requesting for my for my credit file and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX I opened an account with Discover. During the duration of being an account holder have had a good customer experience, even opened a checking account with this company. However, on XXXX XXXX Discover sent me an email requesting that I complete IRS form 4506-C to provide consent for them to retrieve my tax documents to verify my identity. When received the email my first reaction was to contact the number on the back of my Discover card to find out if the email was legit or a scam. Per speaking to a representative was told that the consumer protection department is handling my account and that this request is part of an internal audit they do. I was also told if didn't file taxes then to let them know, so could verify my idenity another way. The problem is everytime I make a payment that pays down my balance significantly Discover 's consumer protection department places a hold on my account and says they have to verify my identity. Discover has verified my identity, as well as income, when I opened my account, and each time they've previously requested additional information over the two year duration I have had my account. They even verified my graduation date, as my account was originally a student account. Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory. Therefore, I will NOT be completing IRS form 4506-C to Discover as do not consent to them reviewing my tax documents. On XX/XX/XXXX contacted Discover to notify will not be completing IRS form 4506-C, and the only consent give is for them to close my accounts if they deem it necessary. When contacted Discover per their representative XXXX in Delaware would have to contact the department directly. I asked her just to transfer my message internally to the department and she stated she was not able to do that. If this is a legit request why can't Discover representatives contact this department to notify of a consumers refufusal to complete the requested form? Have credit cards with other companies and they have never asked for consent to review my tax records. As previously stated, " Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory and needs to be fully investigated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
11 XXXX XXXX XXXX XXXX has been sending me collection notices in the mail about of {$670.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-10-20 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: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Last year, we entered a forebearance with our mortgage company. However, in XXXX, my loan was transferred to Mr. Cooper ( Nationstar ). My forbearance ended in XXXX and at that time Mr. Cooper only gave me an option to to a loan modification. We paid as required in XXXX, XXXX ands XXXX. However, on XX/XX/XXXX, I noticed my credit score dropped nearly 200 points due to my mortgage company reporting negatively on my account. I have been trying via phone, email and messaging on their website for a resolution and it still has not been corrected. It has been nearly 3 months and my credit score is still extremely low. No one calls me back or gives me an answer every time I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: OR

Complaint narrative:
In XXXX, charges were made on my credit card for ( 10 ) various {$50.00} gift cards which no one on my account allowed or gave permission for these purchases with XXXX. I was in the hospital with XXXX XXXX at the time and my wife did not order them. Our cards were in our permission and no one has ever been given permission to use them. We have never ordered gift cards through our Bank of America credit card. 
We reported the fraud, were given new cards and a new account and the investigation done by the bank failed to provide us any evidence to show that we were the ones to order these gift cards. We reopened the case when they denied us credit. I will again be asking them for evidence to show we purchased these gift cards which we did not. I will not be paying them the {$500.00} that was fraudulently charged to our account. 

Please assist us in getting this resolved.

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 2021-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Company refuses to stay in compliance with governor XXXX XXXX executive order banning any report of negative information to credit bureaus. This company has late payments on my credit report they refused to remove that cost me a {$400000.00} mortgage approval that got denied along with over a {$3000.00} a month XXXX House bill. I currently have four different attorneys reviewing this case that all the assured me that this is 100 % illegal and Im giving this company one last chance to update my credit report to stay in compliance with the executive order. This is abuse and they know it, this is a game to them but its about to end now and one hell of a legal battle. Not to mention they are reporting that my monthly payment is over {$900.00} per month. They know that my payment is {$450.00} per month. They have been abusing my credit utilization by not reporting my balance and also reporting a high monthly payment that they know is inaccurate because they are trying to harass and abuse 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 2021-10-20 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: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
In early XX/XX/2021, I was notified through XXXX that my credit scores went from XXXX 's down to XXXX in one day. Ally financial reported on my closed account that I was more than XXXX  past due. I have bank statements showing Ally took my payments electronically and a letter from Ally stating my account was closed in good standing. No late payments or fees on the account. 
I do not understand as to why their credit department reported this nor have they helped me at all. They keep telling me to wait 45 days for a response from the credit department. I have waited 55+ days now and I just got off the phone with another useless Ally representative saying I needed to wait another 45 days for the credit department to respond.

I keep getting lied to from their representatives and this has got to stop. I'm a military retiree and all I get on the phone is someone who doesn't speak English very well and is reading from a prompt card. 
They have said this is on file but absolutely nothing has been done about it. I called all three agencies, XXXX, XXXX and XXXX. I uploaded the letter Ally financial sent me and my credit scores are still in the XXXX. Please help.

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Via XXXX, my bank account has been debited by {$50.00} per month for approximately 34 months. I was able to ascertain that XXXX has been charging for an organization called XXXX XXXX, which is a political organization focused on defeating XXXX XXXX of Kentucky. I have written to the email address provided by XXXX which is XXXX to contest the debits and have received no response from XXXX. 
There is no other contact information for XXXX XXXX, but their executive director is named XXXX XXXX. They are registered as a political fund with implications/supervision under the FEC. XXXX says they can only refund {$150.00} of the unauthorized charges but they are not providing further contact information from the organization they say the funds are being sent to. 

XXXX XXXX XXXX XXXX XXXX Washington, DC 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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
XX/XX/XXXX I dispute a charge of {$100.00} from a company by the name of XXXX XXXX. I did not authorize this charge and wasn't aware of who did. On XX/XX/XXXX CURRENT bank denies the dispute and gives no reason why. On XX/XX/XXXX I ask Current for the merchants info and they can't produce. I make them aware that i disagree with their decision because i can't even reach this XXXX business and Current informs me i can't appeal their decision without 1 ) a receipt from the transaction 2 ) a screenshot or some type of document showing i contacted this company Since it's impossible to reach the company and nobody knows how or where to contact them I believe my appeal should be granted! Current disagrees and keeps the {$100.00} This is clearly an instance where the bank is using their corporate power to take advantage of the consumer. It's a simple problem I did not make the purchase therefore i wouldn't have a receipt! This company is in XXXX somewhere and does not come up in a search of the World Wide Web. After further research XXXX  is a type of cryptocurrency and Current bank does not allow purchases at crypto sites! 

Resolution= Please be decent and return the {$100.00} and if the bank can't reach the merchant then release the funds instead of holding!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX I use to have a loan through Consumer Portfolio Services with a ridiculously high interest rate of 24 % I had a car which they been got back in XXXX it's almost 5 years later. I use to get calls from them 4-5 a day on my Federal Government phone at work up until XX/XX/XXXX when I left the agency. They use to threatened to have me arrested, come to my job and more. I always madevthem aware that they were calling a place of business a Government agency at that and what they were doing was harassing me. 

They started finding family members telephone numbers calling them telling them my debt information and that I was going to jail. Most changed their numbers to avoid the harrassing calls it was terrible. I had to constantly apologize to them for the company behavior. 

I was then living in a different place at the time XXXX XXXX XXXX is what they had on file. I moved from that residence and I had made them aware of it back in XX/XX/XXXX, when I voluntarily called them to attempt to settle the debt of {$5400.00} they were NOT willing to work with me knowing I wasn't gainfully employed. They asked me to submit to them all my monthly expenses and I supplied it all. 

As stated I contacted them at the time they had no way to reach me my home address had changed couldn't receive any mail from them or receive calls my work number was no longer active as of XX/XX/XXXX and my cell number was different. I had also made them aware of my new address which they obviously never documented because as you will see from the payment plan offer letter it has my old address on it, therefore I had no knowledge of anything. 

I was not aware of not judgment against me of any sort until XX/XX/XXXX. When I read the Payment Plan letter their attorney emailed to me which I requested trying to settle the debt. 
I was baffled that it was a legal case filed against me. I then typed in the case number online Maryland Case Search to see ifbit was real. ( It was really a case ) I had tried to settle the debt again in XXXX of XXXX when I was paying off many other debts with the help of a friend. Consumer Portfolio were willing to comply with any figures I offered said NO. 

Again to no avail... I reached out to them again this month XX/XX/XXXX and surprisingly they made a temporary payment option that is extremely ridiculous 24 % they are attempting to apply same high interest rate that was attached to the loan. Interest accrued {$390000.00} total I'll be paying them {$9900.00}. Simply use heard of they are trying to take advantage of me. That is more than the ble book value of a car they've been had possession of and SOLD. When I secure a job I'll pay that debt off in full the {$5400.00} before I sign documents binding myself to more debt. I have attached emails supporting all that I've stated in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I paid my credit card off on XX/XX/. Two days, I went to check to make sure that there was a XXXX  balance. To my surprise there was a {$20.00} fee applied to my account. I paid that balance. Today I received another email informing me that I owed {$56.00}. I called Discover to inquire about this new balance. I was informed that because I paid my balance two days after the due date, I was charged interest and late fees. I was very upset with the company. I told the company that they were penalizing me for paying off my balance. Something needs to be done to prevent companies, like Discover, from penalizing individuals from paying off their balance. The company will try to hide between a false narrative about when I paid my balance. The truth is Discover is penalizing individuals for paying off their balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Myself and XXXX children were evictednfrom our home during covid due to nonpayment. I was advised by XXXX XXXX to complete the XXXX  application and turn it into my landlord. I filled out the paperwork XXXX times and every time, the landlord told me I did not qualify for the program. At the time, I was unaware of the exact requirements and was very ignorant of the process, due to never having experienced such a situation before. XXXX months later I was approached by the landlord with a XXXX hour eviction notice, stating that I failed to cooperate with assistance. Due to the unethical practices of the landlord, I know have an eviction and collection on my credit which is hindering me from obtaining adaquate for myself and children. So far, this matters has fell on deaf ears and I do not know where to turn. There is a current investigation open on the XXXX XXXX in regards to that high number of evictions they had during the pandemic. I really hope justice prevails because I know that my family is not the only family that has endured extra suffering due to the practices of the XXXX XXXX and it's employees.

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 2021-10-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a dispute for a transaction, but Amex failed to start an investigate and refund the charge. I used my card on a hotel reservation with confirmation # : XXXX, check-in date : XX/XX/. It was canceled WITHOUT any penalty with cancellation # : XXXX. The merchant told me they ALREADY processed the refund it to AMEX long ago, but the refund never showed up my billing statement at AMEX. I filed disputes with AMEX multiple times, Ref. XXXX and Ref. XXXX. But AMEX just closed my disputes without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
XXXX ( Nissan Motor Acceptance Corporation ) is in violation of multiple FDCPA laws. I have highlighted them in the " contract ''. They have been charging me monthly payments on a vehicle that has a positive balance, that is false representation of the amount of a debt. The finance charge, amount financed and The total of payments are all violations. If it is indeed a debt and it is owed it should be shown in the negative. So far the amount that has been paid to date is {$25000.00}. I have sent an invoice to the company to have them repay me all of this as well as my down payment and for the violations. I have not heard anything back from them

Company response to consumer: Closed with explanation