vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Attention to : XXXX Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX  are reported collection account from Receivables Performanc when there is obviously no proof that it even belongs to me! I am not saying this is identity theft, but I am saying is that you are being paid to report all accounts accurately and completely and I know for a fact that you didn't verify this account! Where is the contract with my signature with this Receivables Performanc company? How can XXXX  report this account verified, without contract and without my signature with this company Receivables Performanc? 

Having said this, I need to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. I am certain that I shouldn't have to reference anything because you are required to know the law, but section 609 protects me against false reporting and I should point out here that that is exactly what this is! 

Delete this collection account immediately and send me a new report showing it is been deleted.

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 2019-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
This is a XXXX credit card debt. XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my XXXX card was paid on time. 
XXXX Card debit was turned over to SUTTELL HAMMER & WHITE XX/XX/XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. XX/XX/XXXX we looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I  have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) XXXX BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By SUTTELL HAMMER & WHITE PS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I had an American Express prepaid card for years. They sent me a letter stating they closed it in XXXX for no apparent reason, just a generic article that they can close it for any reason. I still had over {$130.00} of my own money on the card. When I call with my number it says your account is closed and hangs up. When I call from my sons number the rep says a check has been sent and the account is closed and can't tell me why or where the check is. I just want my money back. I also sent a letter to them in XXXX and still have not received a letter, email, check or any kind of response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to redeem my American Express Membership Rewards points today,XX/XX/2019, but the system didnt allow me to do so. I called the customer service to inquire about this issue and after 30 minutes of being put on hold and transferred to different departments, I was finally told that my account is currently under review and that I cant redeem my points until this process ( Which doesn't have a timeline ) is completed. 

When I questioned the representative about what triggered this review, she said : it is because of the XXXX Membership Rewards points Referral bonus you received on XX/XX/2019. 

It is very deceitful that American Express encourages us to refer our friends and family, they advertise this on their website and send us promotional emails to invite people to apply to American Express Cards in return of a Referral Bonus and when we do, they freeze our membership rewards accounts. From what I read online about other customers experiences, this seems to be a very common complaint about American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
i sent a letter to capital one on XX/XX/2019 concerning this late payment item on my credit report.i have no recalling of being late, so i would like for them to verify the item bearing my signature.also by not replying within 30 days is a violation of the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
I met with a lawyer to file bankruptcy in XX/XX/2017. At that time, the lawyer and the information on the bankruptcy filing documents stated that I was not to make payments to my creditors, friends, family, etc. until the bankruptcy was decided- so I had stopped making payments due to litigation pending under advice of the courts. 
XXXX  and Experian show no lates on the closed accounts that were part of the bankruptcy. 
XXXX states that I have 10 lates ( those same accounts ) even though it correctly lists that they were discharged in bankruptcy. 
This is hurting my credit score from them, and any creditor that uses their credit report to decide on credit approval for me is thus not being given correct information- so I am getting double dinged for the same situation, having my bankruptcy on my record which eliminates those creditors, and those creditors showing that I have a history of lates with them. 
They are the only credit bureau which reports these lates from companies discharged in a Chapter XXXX Bankruptcy which supposedly wiped out all of that debt. 
I request that my Experian credit report record be corrected to eliminate those debtors ( and lates ) as decided by the Bankruptcy Court in the granted discharge.

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 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2019 I received an email stating that they were closing my account for some section D 22 violation. When I tried to call the company I wasn't allowed to get on my account to talk to anybody I couldn't get past the menu to even pursue help. I then called American Express they transferred me I was speaking to a gal she hung up on me. I called back several times got the same treatment that I had done something wrong. I finally got a hold of someone in the company to discuss what section d-22 is and what violation is it they would not tell me what it was my whole paycheck was deposited on XX/XX/2019 I asked them to please at least give me half of what is on my card so I can feed my children and pay my bills they refused to give me any money and I had to wait for 14 days I hung up I called back again same thing I'm trying to get my paycheck for two reasons feed my kids pay my bills and to get my son 's ashes so I could lay him to rest and this company is not telling me what vile this violation is won't discuss anything with me and tell me there's nothing they can do for me that is my paycheck they're withholding from me they're holding it hostage why I get my electricity turned off I am unable to pay my bills and feed my children very unfair I work hard for the money I get and for them to take it from me so I can not provide for my family is not okay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
I have had this particular card for over a year and I have been in good standing paying off my balance in full each month. I have been spending over {$500.00} a month by making payments before my statement posts, but my credit limit has remained unchanged at {$500.00} for about a year. I was recently denied a credit line increase and I sent a written letter to the company asking for an appeal to this denial as the reasons cited in their automatic reply were vague and offered no guidance as to what would let me qualify for a higher limit. The low limit has caused some trouble when I travel abroad ( such as with hotel check in and such ). The reply I received was not helpful and declined to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: WA

Complaint narrative:
This is a Discover credit card debt. XX/XX/XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my Discover card was paid on time. 
Discover Card debit was turned over to XXXX XXXX XXXX XXXX XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. Mid XX/XX/XXXX we  looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) DISCOVER BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
I was a victim of identity theft and was made aware by XXXX XXXX XXXX   incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX is being responsive but slow and I have to file new reports one at a time. XXXX  and Experian have been unresponsive please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: Colony Brands, Inc.
State: NY

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
I was a victim of identity theft and was made aware by XXXX XXXX banks incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX  is being responsive but slow and I have to file new reports one at a time. Equifax and XXXX  have been unresponsive please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am not familiar with XXXX pay and did not understand the great risk this provides to consumers. I believed this to be safe as it was through my Chase bank app. I have been with Chase for almost 20 years and trust their mobile banking and now am sadly regretful. I am being told to deal with the merchant except the merchant has refused to answer my inquiries and now shut down communication. The website of the said merchant looks entirely legitamite and is even using the faces of highly successful brands with individuals linked to their social media without their consent. In performing research of the phone number and other associated information available through PI it is very clear this merchant is continually creating new account title holders to perpetuate this cycle of fraud. Furthermore as this is a non fixed voip being used I believe they are fraudulently using the identity of the real XXXX XXXX Chase Bank told me they wouldnt even investigate, report this to XXXX or allow me to file a report or take any potential recourse for the matter. There isnt even a protocol in place to address this issue yet! The chase mobile app verbiage makes a point to deceptively position this app as under the branch of Chase banking service and as such, imply a degree of entitlement to its customer service protection protocols. Chase has your back which reads on the very same link as the XXXX tab ... .is most certainly not true. This places consumers at risk when using this mobile service and does not flag the concern of Chase in the slightest. At minimum the risk of using XXXX on your mobile banking app must realistically be made aware to the public as it stands to be potentially devastating I have plans to file reports with all corresponding authorities as well as notify and contact the individual whose identity is being misused to inform him. I also intend to urge My neighbor who works in television that the news network should perhaps present the risk of using XXXX and XXXX integrated banking apps to the public. I understand fraud and scamming are overwhelming rampant but a banking mogul such as Chase not having any recourse of action is simply a risk that needs to Be disclosed more throughly. I would not have clicked on the to link to the extent I did if I would have been better informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A fraudulent charge from XXXX appeared on my Capital One Visa credit card in XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018. I reported the charges and they were refunded and my card was canceled and I was issued a  new card. In XX/XX/XXXX another new fraudulent XXXX charge was added to my new credit card. I called to complain, they explained that the " updater services '' they provide, give the fraud account the new credit card number automatically and that's how they got it. They canceled my 2nd card, and issued a 3rd card. Capital One put a block on the merchant, apparently preventing them from making any new changes on my cards. Now for the month of XXXX, there is another pending charge from XXXX on my 3rd card and the cycle will continue and there's nothing I can do about it. I also called XXXX to inform them of the fraud and they did nothing to help me, because I can't give them the account number for an account I didn't create. How can any of this be legal????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
First contacted them on XX/XX/18. Last contact was XX/XX/XXXX. 


1. There is no balance history anywhere that I have access to ( desktop browser ). There is only transaction history and current balance. This is extremely shady and allows all the XXXX  that follows. 
2. I'm watching my balance as I'm selling things on XXXX  because I'm going to pay for something close to {$300.00}. When I'm almost there my current balance drops about {$70.00} without there being any new transactions. This occurred during the middle of XX/XX/2018. 
3. Paypal notifies me by email that an XXXX  buyer made a fraudulent chargeback with his credit card. The item was sold for {$23.00}, and paypal says there's a chargeback fee of {$20.00}. Nothing close to {$70.00}. And neither of those items showed on the activity page. 
4. I contact Paypal support via the site 's message center. They tell me to call. I call and they tell me they'll pass it on to someone who will look into it and email me. 

The {$20.00} chargeback fee gets refunded, again without any record/new activity listed. My balance simply changes again. 

5. I never get an email. So I send another message. They refer me to the merchant support site. I contact that support site and they ignore the problem of the missing money and tell me I need to upgrade to a business account to be able to see my balance history, and tell me to call support. I call support again and they tell me I need to put in my social security number in order to view my balance history. That seems VERY sketchy so I do a XXXX search and see warnings about that. I put it in temporarily and it has no impact. You can't remove it, so I change it. I call support again and tell them that adding my social did nothing. The person is totally incompetent, makes nonsensical & contradictory statements, has no access to anything. Either speaks terrible english and doesn't comprehend anything, or is using that as a farcical excuse to not help me. I ask to speak to someone else, they put me on hold for 40 minutes then disconnect me. 

Looking at the information they referred me to while on the phone with support, they retroactively changed my balance so that it was never close to {$300.00}. 

I gave Paypal proof of delivery and they disputed the chargeback with the fraudster 's bank on my behalf, but they said the bank sided with the fraudster. This person is regularly doing this to multiple sellers and Paypal refuses to do anything. I called the police to report the chargeback fraudster and they said my only option is a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
Purchased of {$15000.00} to XXXX XXXX  on XX/XX/XXXX with an American Express Card. 
The FTC has filed suit in Federal court and shut down XXXX XXXX and all of their phony affiliates on XX/XX/XXXX, due to fraudulent practices, resulting in an interruption of services for the service we purchased. XXXX XXXX violated the Federal Credit Billing Act codified 15 U.S.C section 1601 Truth in Lending Act that protects consumers from unfair billing practices. 
Many calls to American Express to find a solution to get down APR when I did not know it was a fraudulent practices. 
Transfer account to a new credit card with XXXX  XXXX XXXX - suggestion of American Express. I call on XX/XX/XXXX to American Express to let know I have this situation of spam and they tell me they can not help at this time, because they do not see the purchased on the computer system.

Company response to consumer: Closed with monetary relief