vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Penn Credit Corporation
State: FL

Complaint narrative:
this is fraud i do not know these people and the situation ... its fraud ask for any document ... their are none ... i do not sign papers nor i do not know these people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In XX/XX/2018 for about 10 months I made my daughter an authorized user of my account. Before doing so Barclay Card assured me that she could be a user and that it would have no impact on her credit. Only I was responsible for all charges on the account. She never signed anything. I asked for her to be added as an authorized signer to my account. BarclayCard sent her a card of her own to use. About XX/XX/XXXX she was finished with her need to use my credit card and I removed her as a user. 

She went to check her credit bureau the other day and found Barclay Card to be reporting MY full balance to her credit report. She called Barclay Card and they said they could not talk with her about it since she is not a signer on the account. I called Barclay Card to have it corrected and they said that I had to submit letter, via regular mail, and all of the supporting documentation to have my daughters credit reporting reversed. 

Their fraudulent mistake is not my problem to fix. Barclay Card acknowledges that they should not be reporting on my daughters credit report. They should not have reported it to her credit bureau while she was using the card and they certainly should not be reporting it now. However, they said they will maintain the fraudulent reporting unless I write them a letter with all the required documentation to have it removed. 

This is the exact kind of bullying behavior a big bank is supposed to have stopped a long time ago. So they have made an error and now it is MY problem to fix it. Unacceptable. And Illegal. 

Barclay Card has my complaint and my daughter 's complaint by phone and now through this correspondence. If they do not correct the erroneous reporting in a reasonable amount of time I will be forced to take more serious actions regarding the fraud they have committed against my daughter. Not to mention the illegal release of information about my account to her ( she should have never known the balance of my card at anytime, ever ). 

In my conversation with two Barclay representatives on the phone this evening both confirmed that the reporting should not have occurred as she was merely an authorized user with no responsibility for the credit and that the only way I can correct a credit reporting error, even if it is completely their fault, is in writing to a mailing address with supporting documentation which includes my daughter sending them, by mail, a full copy of the erroneous credit reporting. That exposes my family to unnecessary risk. The credit report they want me to send through the mail has all types of personally identifiable information contained within it.

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$640.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX Tracking XXXX signed for by, XXXX MAIL ROOM. 
The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have applied a credit card through XXXX XXXX XXXX sometimes in XXXX. 
then I moved to another apartment and missed all the letter they sent me and I never use it even once until now, and then I found out that they reported a late payment of {$140.00} on XX/XX/2019. Then i contacted them to ask what is that fees about and they say it is from me not paying the annual fees so it is became late payment on my credit report and I paid it off so they could correct the report but they did not. so my credit score went down due to their incorrect 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 2019-02-20 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: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX, XXXX XXXX and XXXX   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 non-monetary relief
Consumer complaint received 2019-02-20 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for Santander Bank. I called Santander today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have perfect credit ( attached a copy of their own furnished report ) and use my card and make 1000s of  dollars in payment each month to my card. I've asked Capital One to increase my limit multiple times and they refuse to refuse my financial information but rather point me to an online system that continues to deny my request with unclear reasons ( as attached ). 

I am financially capable of making whatever I charge in a month and have exhibited that with my credit card and others. I'm against opening another line of credit as that could impact my credit age. Attempts to get Capital One to understand that their system gives me errors has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capio Partners, LLC
State: FL

Complaint narrative:
i dont know who is capio partners llc is or have ever done business with them .... i do not know who they are and how they got my info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
I am being harassed by Synerprise Consulting Service. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( XXXX ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from XXXX which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that Synerprise Consulting Services is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau XXXX  is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
During the time period of XX/XX/XXXX - XX/XX/XXXX an apartment lease was opened in my name. This person lived there for 5 months, never paid 1 dime of rent and then left the premises I have lived in the same house with a mortgage since XXXX. I contacted Pro Collect and they will not accept the proof I have provided, which includes utility bills and cable bills showing my proof of residence at my home. The collection manager uses no common logic and will only repeat that I need to provide proof, but will not provide me exactly what she needs in order to resolve this. 

The application was signed online so there is no signature and simply is not me. Im not saying they didn't use my ID or a ID created with my information. 

This company is living in the stone ages and does not realize how crafty identity thieves can be. They claim to have proof by saying my ID is on file, but in the course of my living in XXXX I have lost my wallet and can only imagine what else its been used for. I have provided the FTC report and numerous documents. No matter what proof is provided they will play hardball and try to get you to settle.

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 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I signed up for a Chase Checking Account on XX/XX/XXXX. Chase.com advertised a {$200.00} bonus when direct deposit is made to the account within 60 days and with a coupon applied. I signed up online by clicking the green Open Now button shown in attachment Capture1, which states below it " Coupon code automatically applied ''. I opened the account through this link believing the code was applied. 

Apparently, this was not the case and the code was not active, in spite of the advertisement on Chase.com. My first direct deposit was made to the account on XX/XX/XXXX, as shown in attachment Capture2. I waited until statements covering 60 days were posted, but did not receive the {$200.00} bonus. 

On XX/XX/XXXX, I visited a local Chase Bank branch and spoke with a manager who referred me to call the corporate customer service ( XXXX ) to investigate why I had not received the bonus. 

On XX/XX/XXXX, I contacted Chase 's customer service team and was told by the first representative that I should have received an email with the code. I explained there was no code provided because I had followed the link where the code should have been automatically applied as advertised. The representative told me that because I had not applied the coupon code ( which was never provided ) to the account within 30 days that the {$200.00} bonus was forfeited. I asked her to transfer me to a manager for further discussion and she disconnected the call. 

Frustrated, I immediately called back and spoke with a different representative. She explained that the code indeed should have been automatically applied and must have failed at some point in the process. She placed a note on my account detailing that this {$200.00} sign on bonus is active until XX/XX/XXXX, but told me that my only option was to contact a manager of a local branch to ask them to add the code retroactively to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I have communications to Southern Management Systems dated back to XX/XX/2017 in regards to an alleged debt the company. In every request I have submitted to the company, I have asked the company to verify that I am bound to do business with them. They have constantly submitted the same documents from wherever the debt was purchased from, and in none of these documents is there a mention of Southern Management Systems. On top of the company 's failure to verify, I was told in the last letter received that the company would not send any further correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX I was contacted by a con artist posing as an employee of XXXX offering me the opportunity to participate in a market research study regarding consumer satisfaction with a new XXXX card. I was told it was a gift card, and that I should apply for one. It would be " loaded '' with XXXX 's funds so that I could make sample purchases from the XXXX site. I would be interviewed about my experience with using the site and the card. In return for my participation, I would receive {$50.00} per interview. 

As I have participated in other market research studies, this did not seem unreasonable. I applied for the " gift card '' and was told by the thief that I should call XXXX to make sure it was " loaded '' with funds. I asked if they wouldn't notify me by email and he said they would not. I called an was told the card number and that I had {$1800.00}. 

I then followed instructions to purchases 6 gift cards totaling almost {$1800.00} which were delivered to me in the next few days. Each time I received a delivery, I was told to notify the thief, who asked me questions about the packaging and timeliness of delivery. He then told me to send photos of the cards, including the number on the back requiring me to scratch it off. 

On XX/XX/XXXX I received an email telling me that my XXXX credit card had been approved with a credit limit of {$1800.00}. I immediately realized I had been scammed and notified XXXX and Synchrony Bank, the issuer of the card. Since then I also made several phone calls and sent a letter to Synchrony on XX/XX/XXXX regarding the scam. I hold XXXX and Synchrony responsible for making this crime possible by failing to inform me promptly that I had been approved for a credit card. Clearly the thief knew about this weakness in their procedures and was experienced in exploiting it. 

I received a letter from Synchrony dated XX/XX/XXXX in which they said my dispute with the merchant had been resolved in the merchant 's favor. They included many pages of proof that gift card had been delivered to me. My complaint never said that I did not receive the gift cards. Therefore I do not consider the complaint resolved because they never addressed the substance of my complaint.

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express issued me a card that they charge an annual fee on. This card was advertised as a no-limit card, allowing me to make purchases and pay off monthly in full. A limit was out on shortly after it was issued because I was told I had a short history and based on the financial information available. 
I recently requested a limit increase and was told they needed additional information to review. I submitted by bank statements ( attached ) and never heard back. I called today and after hours of passing me around, I was told no one was working on my file although they had received the paperwork. 

I am requesting that this be acted on the limit removed accordingly, and if not, that my annual fee be returned as the limit does not give me enough purchases to justify the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NY

Complaint narrative:
Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for XXXX XXXX. I called XXXX today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX DOB : XXXX LAST 4 OF SOCIAL : XXXX REPORTING COM : Caliber Home Loans On XX/XX/XXXX a mortgage company posted 30 days late on my account " Caliber home loans '' They haven't received my check And called me 7 days before the 30 days due date, I made the payment right away with their rep on the line, he DID NOT inform me that with the payment method I chose it will take them 7-14 days to receive check, they got the check 1 day after the 30 days due date and reported 30 days late. 
Lack of communication on their side while I was completely registered with them, including email and phone number and alerts. 
Tried to speak to their supervisor right after incident and they kept saying he or she is sick, took me 2 weeks to speak to a supervisor. 
I tried to dispute this and they are not cooperating with the beaural attempts to resolve this. 
Was reading other people complains online and I'm not the only one.

I have two mortgage companies I'm dealing with, and a problem like that never happened, I take my credit very seriously and because of their lack of communication I got into this situation. 
They keep saying that because it was 1 day after the 30 days than it's not an error, instead of taking responsibility for their actions, informing me sooner they haven't received payment and most importantly telling me to choose a different payment method so the payment will be reflected right away. 

Sent them a proof already that payment was made at the date of their call ( 7 days before the 30 days ) And a letter from the bank indicating I had over 30k in my account at the time, so there wasn't any problem with my ability to make payment. 

Please help me resolve this matter and to remove their late payment from my report.

Company response to consumer: Closed with explanation