vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
1. On XXXX XXXX XXXX I was blocked by Capital One from accessing my account on-line. I am the first line of defense to identify any fraudulent activity on my credit card. However, now that Capital One has restricted my access to my account on-line I am unable to maintain my due diligence about my credit card activity. 

2. Over the past several years Capital One has wanted me to update my income, stating the reason for their request is to increase my credit limit. Since I do not want a credit limit increase, I have not updated my income information. I have kept my name, address, email, and phone number up-to-date. 

3. In the past, through Capital One 's tactics they have attempted to force me to provide that information by blocking my access to my account. I have been able to work around their obstruction to gain access to my account on-line -- until now. 

4. On XXXX XXXX XXXX Capital One implemented a new web page which requires me to update my income before I can access my account, again stating the information is needed in order to increase my credit limit. I called customer service and was told that was not the reason they are asking for the information, instead, that it is a federal government regulation/requirement that I provide an update to my income. They further threatened if I do not comply with their request Capital One can close my account. 

5. My account is current. Capital One always receives my payment well before the due date. Payment has never been late. I have an excellent credit rating. I am vigilant about checking my account for fraudulent activity. I am a model customer. 

6. Capital One 's ruse to gain this information smacks of the unethical business practices used by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.

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 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I called XXXX for a debt that is showing on my credit report for {$230.00}. I never received anything in reference to this. I called them and they stated that it was from 2015 from an emergency room for my daughter. I let the rep know that my daughter has Florida kidcare which covers all expenses and she said it was too late and that there was nothing that could be done and that I had to pay for this. 
I provided my daughters insurance to the hospital. If i would have received something or been notified somehow, I would have corrected this issue then

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: Midwest Recovery Systems
State: CA

Complaint narrative:
I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: CO

Complaint narrative:
I have been charged and had two prior collections account for the same medical bill and the same amount {$330.00}. Finally I got those two collections deleted from my credit and now I have one more collection for the same medical bill and same amount reported on XXXX. I never received a phone call/mail/email notifying anything. They just added a 3rd account for the same charge without any notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kehoe Financial Group, LLC
State: NV

Complaint narrative:
This company - Kehoe Financial Group - is looking for somebody named XXXX XXXX. I am not XXXX nor have I ever known him. They called me from various numbers ( the last being XXXX ) and continued asking for him. Each time, I would tell them they have the wrong number and to stop calling me. On Friday XXXX XXXX 2017, I received a call from this company at XXXX PST lasting 6 second before it was disconnected. I received an immediate call back from their rep who was a man who was SURE he was right. He said I hung up on him and that was rude. At this point, this company had been calling me for quite a few weeks. I yelled at him, hung up, and called their corporate number. Once I called their corporate number, I was told that my outburst was recorded and they did n't tolerate that behavior. First of all, they never stated that my calls were being recorded prior to me calling their management. This is a breach of my privacy. Secondly - and most important - I 'm not actually the guy they 're looking for. The manager then told me that my number is listed in their system as 'wrong number ' yet they still continued to call. Her tune changed from being incredibly rude to realizing that she was just belittling somebody that has ZERO business with their company. She stated that she would put it on the do-not-call list, however, I 'm very skeptical that this group of incompetent people can successfully accomplish this basic task.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: MO

Complaint narrative:
After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. 

I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. 

I am requesting this account be removed from all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.

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 2017-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.

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 2017-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.

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 2017-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
On Wednesday, XXXX XXXX XXXX I received a call at work from a bill collector that I was unaware of. I 'm not allowed to get calls at work unless it 's family emergency. I ask the man to not call me back at work and if I owed this debt to please send something in writing to my address stating I owed this. On Thursday, XXXX XXXX I received several calls from this same person and due to the calls I was fired today. So if I owed this company anything, they wo n't be getting a dime now due to me losing my job because they kept calling when ask not too!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: MS

Complaint narrative:
The XXXX 's visit in question and billed for {$490.00}, on XXXX/XXXX/XXXX, was to have been paid by an agreed third party corporate concern. A statement to that effect was hand written by the patient on the medical intake form the day of the visit and the same was done on all subsequent intake forms and visits by the patient. Had this not been the agreement the patient would have refused the service or XXXX XXXX would not have preformed the procedure. This was a referral by the XXXX XXXX of the patient in this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
I received a letter from McCarthy Burgess & Wolff concerning a debt that I dispute. I emailed them at the address listed in the letter on XXXX XXXX, XXXX and told them that I disputed the debt and to not contact me any further. I then received a call from them on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. The uploaded files are screenshots of the email I sent demanding they stop contacting me and also a screenshot of the subsequent calls from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: IN

Complaint narrative:
Rash Cutis and Asso. contacted myself XXXX about a debt ; I stated my medical bills were paid when I moved from CA and never received a bill they are referencing. I told them to provide validation of the debt via mail and if it was valid, I would call them back to remediate. Until then, stop calling. The guy said he could email me the bill. I responded how can you securely email my bill if that is PHI data? He said it would be encrypted. I asked how? How can an email be encrypted if I do not have a copy of the public key? he had no answer. I told him he can not send me encrypted email without the recipient having the public key. I told him that he lied to me and attempted to deceive me and he apologized. I told him to ensure that I am not called since his approach lacks the ethos that is expected in the industry. He also told me if I give him my credit card info and pay, he would make sure it was " like it was never on my credit report since he had connections to do that ''. 

The following day, I have received five calls from robots ( no one there ) and disrupting my day. I am also receiving text messages when I never authorized texts and incurring cost. I called the number after the text and asked why am I receiving texts? I was told I should not be and that they have not validated the debt. I also asked why am I getting calls if I asked to be removed? XXXX said well it was my and implied the longer I wait that it will get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I emailed XXXX XXXX XXXX on XX/XX/XXXX about a duplicate payment deducted from my XXXX account in XX/XX/XXXX. XXXX XXXX XXXX responded with a message to me on XX/XX/XXXX, stating that the balance due on my XXXX account is {$18.00} on the due date XX/XX/XXXX and I still have to make a payment. I then contacted XXXX XXXX XXXX and spoke to two Customer Care Representatives. Both XXXX XXXX and XXXX XXXX explained to me, that I scheduled pre payments with another representative on XX/XX/XXXX to  deduct {$10.00} from my XXXX account on the XXXX of every month ; XX/XX/XXXX- XX/XX/XXXX. I then informed the representatives, that they should have paid more attention, for I made a payment in person at the XXXX XXXX XXXX store on XX/XX/XXXX in the amount of {$10.00}. Both representatives did say that they saw the payment being received on that day. However, they are not able to reverse the payment deducted from my account to their system. I then stated to the representatives that this is an unauthorized charge without me knowing until after the payment was done. I requested a refund back to my XXXX account and the representatives refused to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX PM, I took a check in the amount of {$1500.00} to Chase Bank in XXXX XXXX, XXXX to be deposit into an existing CD. The Bank teller who filled out the deposit slip entered the check for {$15.00} instead of {$1500.00}. Immediately the following day when the Bank opened I went back to Chase Bank to report the Teller 's mistake. I was told that the Teller 's error would be corrected. 
Two months later, XXXX XXXX, XXXX Chase Bank withdrew {$1500.00} XXXX {$1500.00} amount of check for deposit minus {$15.00} enter by Teller ) from my CD. 

At this point Chase Bank tried to coverup their error, and told me the check was submitted several times and there was n't funds. What they failed to tell me was that check went through for the wrong amount of {$15.00} entered by the Chase Teller, therefore could not go through again for the correct amount of {$1500.00}. I only found out the truth by going to the bank where the check originated from. 

To make matters worse, they continued with their coverup by telling me that the original check would be sent back to me and I could take it to the Bank where the check originated. For over a month I waited, continued to go into the Bank, and got a complete run around. Getting the check back was never going to solve the problem and never came. 

The writer of the check is a XXXX man with limited XXXX. He has not responded to my request to correct the Bank 's error. I do n't feel I should have to hire an attorney to recover the money Chase Bank deducted from my account. This was certainly not my fault. The XXXX not only entered the amount wrong on a hand written deposit slip, but also keyed it in for the wrong amount. Perhaps Chase Bank thinks that they can keep putting me off and because of XXXX XXXX XXXX XXXX XXXX I will just let it go. 

Chase Bank needs to own up to the mistake of their Teller and put back the {$1500.00} they deducted from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: TN

Complaint narrative:
I received a random phone call and was told this company Equitable Acceptance could give me complete student loan forgivness if I paid them {$42.00} for 14 months. This would be the only payment I would have to make instead of several student loans. They told me I had 48 hours to make my mind up. I made the mistake of giving them my banking information and thought they would help me. Turns out the information they gave me was false. I got a real student loan bill form XXXX and wondered why I had to pay them as well. I called XXXX and they advised me I had been given false information and was in a scam and needed to call my bank. I changed my account number and the bank said they have saw this all before. I also called Equitable Acceptance and they told me I had to either pay {$42.00} a month for 4 years or pay {$600.00} within 3 days or I would be sued. This is a scam and I think it is disguisting. I want nothing to do with Equitable Acceptance. They prey on the poor middle class who paid thru school. I have enclosed the bank slip where they took the {$42.00} out on XXXX/XXXX/XXXX and it was even called a loan payment.This is a fraudulent company for sure. I want them out of my life. I gave personal information to a scam company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.

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 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Card Member Services continues to call me to lower my rate. best part. i have NO outstanding debt! I have asked them repeatedly to take me off their list. They just hang up on me. I block the number and they use a different one. It is harassing and I want it to STOP! 
the last number to call me was XXXX XXXX XXXX. When I call back, it just rings and says person is not available.

Company response to consumer: Closed with non-monetary relief