vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
In review of my XXXX credit report on XX/XX/, I noticed a " collection '' account being reported by a company by the name of ARS Account Resolution. 

I do not know who this company is and why they have placed a collection on my credit file. 

I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 
* Contract : provide me with a contract agreement between ARS ACCOUNT RESOLUTION and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. 
* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 
* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank USA/.Target Credit HAS NOT and DID NOT EXPLAIN why they issued me a check dated XXXX, which I deposited on XXXX. PLEASE SEE THEIR ATTACHED LETTER. Target states I cashed their check on XXXX, a date BEFORE THE CHECK WAS WRITTEN! THIS DOES NOT MAKE SENSE! AND, TD Bank USA/.Target Credit HAS NOT and DID NOT EXPLAIN why they CHARGED ME a " {$29.00} " purchase adjustment fee '' on XXXX. None of their reps can explain this either. TARGET 'S CUSTOMER SERVICE HAS DONE A VERY POOR JOB IN LISTENING, AND PROPERLY HANDLING THIS PROBLEM. THEY HAVE AVOIDED and CIRCUMVENTED THIS SPECIFIC ISSUE. This IS UNACCEPTABLE. BIG COMPANIES SHOIULD NOT THINK THEY CAN GET AWAY WITH SITUAITONS SUCH AS MINE AND EXPECT TO BE HELD NOT ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4300.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}. Those two accounts are fraud. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
I have tried correcting this issue but my balance is continuously being reported incorrectly. On XX/XX/2023 there was an update which says {$100000.00} which is not my balance. It previously said {$76000.00} which i have been trying to correct. Some of my loans has been discharged. The balances on both XXXX as well as studentaid.gov says {$30000.00}. This needs to be corrected.

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 2023-04-24 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: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX in XXXX XXXX offer a service for a trainer but fail to mention this service is a subscription type of charge. So in other words if you dont attend the training with a trainer they still charge XXXX XXXX I went on Vacation for a month and came back to two charges of XXXX , one for the month of XXXX and XXXX of XXXX. I filed a claim with my bank in order to get my money back and my bank gives a temporary credit in late XXXX. Approximately XX/XX/XXXX XXXX XXXX charged my credit card account twice for XXXX XXXX Around the same date I called XXXX XXXX the manager explained since I filed a claim with my bank, they had charge my account again for the amount of XXXX $ twice. My bank denied my claim and removed the temporary credit, but XXXX XXXX did not remove or refunded me the transactions from XXXX of two XXXX . At this time XXXX XXXX has charged XXXX $ for a service I have not used since XXXX of XXXX. Ive been trying to escalate this with my bank but they dont want to help me nor try to understand that those transactions in XXXX are an overcharge and authorized. XXXX XXXX  has been giving me the run around since XX/XX/XXXX. Ive spoken to the manager and the owner about this but they say they have no money to refund since they only have the invoices from XXXX and XXXX but not the ones from XXXX. I have my credit card statements showing the transactions posted and the temporary credit removed. I have yet to hear back from XXXX XXXX about my refund. Bad customer experience overall with XXXX XXXX located in XXXX XXXX XXXX XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I processed a balance transfer from my XXXX credit card to pay off my XXXX XXXX XXXX  credit card. I was charged the funds to my XXXX account but was not credited to my XXXX  XXXX card. I contacted XXXX and verified that the information for the balance transfer was input correctly on their end and with the processor ( XXXX  ) after some research, it appears that both XXXX XXXX XXXX  and Capital One have XXXX XXXX es that start with the number XXXX and they are both in the XXXX XXXX XXXX, CA. When I requested a copy of the cashed balance transfer check from XXXX, it showed it was cashed by Capital One. It showed received on XX/XX/2023 and posted XX/XX/2023. I was told that there have been reports from other XXXX members stating that Capital One is receiving and cashing balance transfer checks for other members who do not have accounts with them, rather than returning the funds. I am now left paying at both institutions instead of saving money with the 0 % balance transfer promotion that I was trying to use. As a result of this, I was also charged a {$29.00} late fee from XXXX XXXX XXXX  because the payment didnt get there when it was supposed to. I am beyond frustrated and need the situation sorted and interest reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Phone companies that I have not applied for and it's showing my credit someone used my info unknowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Back in XXXX I believe, I had opened an savings account with XXXX credit. Where I had to make monthly payments to XXXX  and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was tellingXXXX describing to me. They then told me it was a XXXX XXXX credit card and I told them I had a XXXX  saving account but no card. Was denied the home loan. I then reached to XXXX  and the number that was connected to the account on my credit report was connected to a prior employee at XXXX that hasnt worked there in XXXX  years I called the number and he was telling me that. I then XXXX XXXX phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX phone number for this business. Ive let XXXX know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a XXXX  card. I recently just received a XXXX $ Check from XXXX and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
This company ran a credit inquiry on XX/XX/2023. Neither I nor my wife applied for this credit card. 
XXXX told me to inform the FTC about this. This is a fraudulent inquiry. I believe my identify has been stolen. 

COMENITYCAPITAL/XXXX Inquiry date XXXX XXXX, 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.

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 2023-04-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.

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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
In review of my XXXX credit report on XX/XX/2023, I noticed a " collection '' account being reported by a company by the name of Synerprise. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between SYNERPRISE and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. * Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 

* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a loan from Avant. I started payments on XX/XX/XXXX. The contract was for 36 payments of {$200.00}. In XXXX of XXXX I received an email offering assistance due to the Pnademic, offerring to postpone 3 payments to the end of the loan. Because I was not working at the time, I accepted the offer. I have already made 35 payments of the 36, the next schedule payment is for XX/XX/XXXX XXXX which I thought it was going to be the last payment. I checked the account to make sure it was correct, but I see a balance of {$740.00} on the account. When I called, I was told that this was because of interest on the deferred payments. This was never disclosed to me when the deferrement was offered. I did not know they were going to charge me over {$500.00} in interest for what they offered. When I called, I asked to speak to a supervisor, and was told one was not available to speak to me. I explained to the gentleman I spoke to that the payment for XX/XX/XXXX should be 36th payment on my account according to my 36 month contract, and he stated I have to pay the rest to satisfy the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contacted Bank Of America online support because i noticed my savings account did not show the interest rate on the web page. I spoke withe the person on XXXX and they said the account was a checking account. I stated I had a savings account not a checking account. He said it was made into a Checking account in XXXX i stated i never authorized this change. I have been charge {$12.00} a month for this account. I used it as a over draft protection and interest bearing. I set the account up 20+ years ago to have interest and any round up per charge deposited into the account. It has been getting the deposits from the round up charged on my regular checking account like it should but i have been charged a monthly fee and no interest unlike what i signed up for. I requested a fee refund and lost interest. they submitted a complaint but they should not be allowed to change my account without my permission.

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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
In review of my XXXX credit report on XX/XX/XXXX, I noticed a " collection '' account being reported by a company by the name of Ability Recovery Services LLC. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between Ability Recovery and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. 

* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). * Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted.

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Furthermore, the Fair Debt Collection Practices Act Regulation F effective XX/XX/XXXX, does not give you the right to report a Collection on a consumers credit report without prior notification! The following action must be taken before you can report this erroneous item to my credit file : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

YOU HAVE BROKEN THE LAW! YOU HAVE NOT DONE ANY OF THE ABOVE AND I DEMAND THAT YOU REMOVE THIS ILLEGAL ITEM FROM MY CREDIT REPORT IMMEDIATELY!

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 2023-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contacted by a man claiming to be a XXXX County Sheriff civil division, XXXX XXXX. XXXX. He appears to have an active XXXX In account with some of this information. He claimed I missed a jury duty summons and provided two citation numbers regarding this- failure to appear and contempt of court. He also was able to provide my street address and full name. I am a licensed clinical social worker so some of this information is accessible. He stated one citation was {$950.00} and one was {$820.00} and if I paid them, I could avoid a bench warrant for my arrest, and that once it was cleared I would get my money back. He provided XXXX, XXXX XXXX and XXXX as options to pay. I was concerned given my profession and professional license that I needed to resolve this asap. I paid {$950.00} thru XXXX. XXXX XXXX ( phone number ending in XXXX ) and now is mysteriously unenrolled in XXXX is who I paid. Unfortunately my bank, Wells Fargo, didnt find this to be fraud and will not refund my money. It appears this is common for Wells Fargo to not side with the consumer in these scenarios.

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 2023-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
The statute of limitations for debt in Florida is five years. A creditor has five years to sue you for the money you owe. Most debts are based on written agreements and the statute of limitations period for contract actions is five years. This particular company has been harassing me for a car that was given back to them and also its been more than 5 years. I need the company Exeter Finance LLC to follow the accounting principles of the GAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
Hi, I submitted a request to LexisNexis for my information used for my car insurance. I received a letter with instructions on accessing it. On XXXX, after trying I was unable to and per their website I tried calling and getting a live representative to help me. This was useless. Their phone tree is highly confusing and repeats the same option twice. This makes you think it isnt working. After getting past that I still encountered no option that would help me access my report. The number I called was XXXX ( XXXX ) XXXX. The whole process up to now seems to discourage and make it hard for people to access their information and definitely needs an overhaul. I did submit a request for help the same day, but again want to stress that these practices that this business is doing seems to make it pretty difficult to access my information and is taking me way more time than it should.

Company response to consumer: Closed with non-monetary relief