vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 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: NY

Complaint narrative:
Capital One adjusted all the due dates and autopayment dates without prior warning, forcing customers to adopt a new due date chosen by Capital One. While they are offering the ability to then select a new due date, that request can take 1-2 billing cycles to become effective. However, the consumer is still required to make payment on the arbitrary date chosen by Capital One. Many consumers, including myself, schedule our payments around a predictable paychecks and other infusions of cash and in this situation, the arbitrary due date falls in between pay checks when available cash is lowest and moves the due date forward by one pay check cycle requiring me to skip paying other creditors in order to pay Capital One or not pay Capital One.

I have a 100 % payment record on all my debt, including two accounts at Capital One, but this situation threatens my ability to make at timely payment on the Capital One the due day they chose while waiting for the request to be processed for a due date that will be aligned with my pay cycles ( as it was prior to their forced change ) I spoke to a supervisor at Capital One and after explaining the above, asked to move the upcoming date that they imposed, but she refused and stated they understood this was a inconvenience for me but I still had to pay by their due date with the implication that if I didn't, I would lose my perfect credit history with Capital One and the credit reporting agencies causing irreparable financial harm. 

I am sure that I am not the only consumer harmed by Capital One 's actions in this situation as millions of consumers live week-to-week and take great pains to balance cash flow so that their debts are paid on time as agreed with their creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My spouse opened up a Walmart credit card and I was added as an authorized user. However, at the end of XX/XX/XXXX/ beginning of XX/XX/XXXX, my spouse removed me as an authorized user. However, Walmart is still reporting to the credit bureaus that I am an authorized user and that I still have responsibility of this account. My spouse has let this card go delinquent and has used over the credit limit and this is personally still affecting my credit score. I contacted Walmart on XX/XX/XXXX, and it was confirmed that I am no longer an authorized user and that I would need to find resolution with the credit bureau as she could not discuss the account with me.

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 2019-08-01 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: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
my identity was stolen in 2017 and my credit has been impacted because of this. I have recently learned that all of this was due to a security data breech and my information was used to make purchases and get cash advances.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispite my 100 % on time payments to Walmart credit card they have lowered my overall credit limit from originally {$300.00} to now {$100.00}. I have overpaid them and I dont know where my credit of {$200.00} went. I want my credit limit increased that is not right!

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 2019-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX I received an email from Experian stating that I had changed my email address associated with my Experian account. I had not initiated this change. I tried calling Experian and was able to put a fraud flag on my credit accounts, but was not able to speak to a person. I have emailed their customer service 4 times with no response. At this point someone has had control of my Experian account and all the information associated with it for 24 hours. I can not log into the account, I can not reach anyone at Experian. Please help me reach them and regain control of my account. I am a single mother of 2 and I don't have the resources to handle the fallout from identity theft. Please advise. Thank you.

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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB is a collection agency that I had arrangements with to pay {$25.00} per month. Ive paid every month. This is for a medical bill that I have many of due to I have XXXX XXXX and doing many treatments. The company stated they had not received a payment from me since XX/XX/XXXX. I pulled copies of checked from bank account and faxed and mailed them showing where payments were made. They have not took off my credit. It ruined my credit score which I am working very hard to keep in the 700+ number but it went down to the upper 600s. I need help getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: KY

Complaint narrative:
They call at least 5 times per day. I have never received a detailed explanation of I owe a credit collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: Colony Brands, Inc.
State: IL

Complaint narrative:
I contacted the credit bureau in XXXX for them to dispute the account XXXX  on my credit report. They sent me an updated credit report only to say that the company reported the account as accurate. I then received a letter from XXXX  advising that they sent a notice to the credit bureaus to remove the account as fraudulent. However the account is still being reported on my credit report. The balance show $XXXX, I am attaching a copy of the letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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:
XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to resolve this issue, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Company : Coinbase. 

Been a customer for years. On XX/XX/19, I successfully transferred XXXX USD into the Coinbase account. Coinbase put a hold on the funds ( already cleared my bank! ) and then disabled my account. I have sent numerous emails to find out what the issue is, and they do not respond with more than, " we are working on it. '' When I asked if they would send my money back into my bank account, they said no. 
So in essence, they are holding my money for no reason, and will not respond to my emails. 

I know it's not a lot of money, but it is to me. Very frustrated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
This company called me 4-5 times every day for collection I Believe my insurance pied off I explained that to other company that hold this amount And I think the other company the sale of the Collection to this company and its very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX Halsted Financial RE : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I applied on lending tree to get information on a home loan. I requested that Loan Depot stop calling me twice via phone calls. I'm on the do not call registry, I double checked after I told them to stop calling.. my number has been on it since XX/XX/XXXX. I told them Yesterday at  XXXX Eastern time and XX/XX/XXXX at XXXX Eastern time to stop calling. 

Between the first time and the second time i told them to stop calling they have called on XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time After the second time ( last night at XXXX ) they have called me again this morning at XXXX ... i'm sure i'm going to get 4 more calls today. They can't just keep calling me after I ask them twice to stop, right? This is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My spouse opened up a XXXX credit card and I was added as an authorized user. However, at the end of XX/XX/XXXX/ beginning of XX/XX/2019, my spouse removed me as an authorized user. However, XXXX is still reporting to the credit bureaus that I am an authorized user and that I still have responsibility of this account. My spouse has let this card go delinquent and has used over the credit limit and this is personally still affecting my credit score. I contacted XXXX on XX/XX/19, and it was confirmed that I am no longer an authorized user and that I would need to find resolution with the credit bureau as she could not discuss the account with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called today to get the status of my Simplicity Citi card and spoke with XXXX, who instead of answer questions she repeatedly put me on hold and ended up transfer the call to a account manager ( XXXX ) who after ID ME instead of helping me and answer my questions of why my account was closed. She preferred to argue with me and start talking over me and dominate the call. I asked XXXX to please to focus on the real purpose of my call but she fail to listen and continue argue then finally I kindly asked her to lower her voice but she declined! **** " Sr, i been here for more than seven years, i know what i do ", she said, i told her that longevity at the job as AM don't give her any reason to degrade or talk someone down in a disrespectful way - The customer service experience was horrible!!!! 

My issue - account closed In my opinion Citicard in instead of making the attempt to contact me and let me know the return payments. CITI proceed and closed my account because three payments were returned. 

Citi, was always eager to close my account, i never experience nothing like this before and usually, when a client don't make payments for 30/60/120 the creditor close the account for non-payment or when is fraud but not something like this. Earlier this year I experienced some financial difficulties with work and my checking account was comprised for some few weeks but the problem is fixed with my bank. Citi never bother investigate INSTEAD, close my account left me in a bad place with my credit and now i will not be able to renew my car lease because a close account will appear on my CR. 

I fell, like CITI violated my consumer rights and look only after their interest also, my credit was damage unfairly ( close account ) and i need CITI to rectify this error immediately as well lowering the interest on my Simplicity card so, i can pay this account sooner and not be in debt with the company. It fells like CITI make his own rules and don't even disclosed the term and conditions to consumers. they always said " we sent you the disclosure " This fells like a trap or induce consumers and just signed CC and not verbally disclosing to consumers about their real conditions. Nobody in CITI care or disclose any conditions or i got a booklet about it. Even if they send it to me now it's too late, The damage was already done to my credit and i need some answers as well with compensation by lowering the interest rate.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am trying to get an answer to a simple question via Fulton Bank 's online messaging center on their web site. They tell me to call a phone number. This is not the first time that I've requested help via Fulton Bank 's online messaging center on their web site, and they refuse to answer the question. Obviously they don't want to put anything in writing - why? What's the point in having an online messaging center if they refuse to use 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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
this issue was dealt with as an identity theft matter and was removed by XXXX this issue came up from early warnings and should not be its been reported to the ftc to the police and to all possible intities its affecting my well being due to not being able to get accounts recieve loans or further business endeavors in many ways

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. THE LISTED INQUIRIES ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE MY INFORMATION TO OBTAIN GOODS OR SERVICES. PLEASE BLOCK THE LISTED INQUIRIES.

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 2019-08-01 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: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.

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