vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am requesting my American Express card be closed immediately as of XX/XX/XXXX American Express has used unfair business practices to charge me higher interest rates. My interest rate soared from 19 % to nearly 30 % XXXX 29.99 % ). 
The reason American Express used was for a returned payment from XXXX/XX/XX/XXXX. Although this return payment was unauthorized and the fact I had previously made my monthly payment, Note : my payment was NOT late. 
American Express doubles consumers penalty.First they charge a whopping {$XXXX} late fee than they nearly double the interest rate. Despite the fact prior to this I have always made timely payments and never been late. 

Again please close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I've disputed this alleged account ( XXXX ) this year and previous years via multiple collection agencies and it was proven the alleged debt ( XXXX ) wasnt mine. When this took place the item was removed from my credit reports. This debt was purchased from a portfolio of debt and im tired of being taking advantage of. I've seeked counsel to help resolve the issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
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: CASHCALL, INC.
State: OH

Complaint narrative:
Cash Call constantly harasses me and my husband. They leave messages threatening to come to our place of employment and speak with a supervisor. The use terminology which includes the word federal summons frequently. They have never sent anything on paper through the mail but they call every day from different numbers and unknown numbers. One of their representatives told me the sheriff would be at my husbands job the next day to arrest him. 
We took a loan online through XXXX XXXX about 10 years ago. We paid and paid but the balance just kept getting bigger so we gave up. There was no way to ever pay it off. I contacted the Attorney Generals office years ago and when I told them about the situation I was told the loan violated lending practices. I informed Cash Call of that and they stopped calling me for years but they are back again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my third time submitting this problem! I have continued to send the proof that this account needs to be removed. My next step is to take legal action please review the attached documents AGAIN and remove this account. THIS IS A CERTIFIED COPY FROM THE CREDITOR FOR REMOVAL!!

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 2019-12-10 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: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: International Financial Management
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Credit Express, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the co-signer for 3 commercial vehicles through XXXX. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and XXXX closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called XXXX and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. XXXX claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from XXXX that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. XXXX reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.

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 2019-12-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom it May Concern, I have repeatedly and fraudulently been charged on a Chase Bank Amazon.com card for a Amazon.com services I do not want and have tried to cancel. 

The problem began in mid-2019, when I learned that I was being charged monthly by Amazon Web Services. The charges were small -- {$1.00} per month -- but because I do not use this credit card for anything, I had no reason to suspect these charges were accruing. When I learned that they were, I filed a formal complaint with a credit reporting bureau. This happened in XXXX 2019, which was also the time when I requested that the service be cancelled. My complaint was rejected with no explanation. Despite my request to close the AWS account and thereby stop the charges, the charges continued without my knowledge or consent through the summer and into the winter of 2019. 

Moreover, in XXXX 2019, Amazon.com changed the way I was billed for a different service ( an XXXX  subscription with XXXX ), moving the automatically-recurring billing from my default credit card ( whose balance is automatically paid ) to my Chase Bank Amazon.com credit card. I did not consent to this billing change and would never have done so. It happened without my knowledge or consent. 

As a result, I ended up with a delinquent account that has severely damaged my credit. 

Finally, I feared something like this might happen. In XXXX 2019 I made an extra payment to Chase Bank ( I owed something like XXXX dollars and paid XXXX ) just so that I might have a credit cushion in case of further unauthorized charges. Chase Bank then refunded this credit, only to days later charge me for being past due and late in my payments. This is outrageous and unfair. I believe that Amazon.com and Chase Bank are engaged in highly deceptive practices. 

My hours on the phone with Chase and the credit reporting bureaus have been wasted, as I am simply transferred from Customer Service to Disputes over and over, back and forth, with nobody able to explain why any of this happened or provide me with any form or redress. 

I fear I may lose my house over this -- over a {$1.00} charge that I cancelled, but which was repeatedly billed without any explanation. And I have a fifteen-month old! The experience has been distressing, and the results could be catastrophic for me and my family,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: DC

Complaint narrative:
XXXX XXXX sent an account to collections after sending the bill to the wrong address and failing to notify me. I own a rental property in XXXX, XXXX. I signed a Landlord Agreement stating that XXXX XXXX can send bills to me when a tenant moves out ( to avoid service interruptions ). At the time I signed the Landlord Agreement in XXXX, I was living in XXXX, and requested the bills go to that address. I moved to XXXX XXXX  in XX/XX/XXXX. According to XXXX 's records, I called in XX/XX/XXXX notifying XXXX a tenant was leaving the rental property and asked that the bill be sent to XXXX XXXX. Nonetheless, XXXX sent the bill to XXXX. I never received notice of the bill and XXXX ultimately sent it to collections in XX/XX/XXXX. No attempts were made to reach me at the email address and cell phone number I listed on the Landlord Agreement ; I only learned of the bill when I received an email stating there was a change to my credit report ( I still have never received a copy of the bill ). I immediately contacted the collection agency and paid off the bill, but I still have a negative mark on my credit report for the account being sent to collections, which has dropped my credit score ( it doesn't matter that the account was paid because it was reported that it was sent to collections ). I have repeatedly contacted XXXX, the collections agency ( Contract Callers ), and the credit reporting agencies seeking to have any mention of the debt collection removed from my credit history because I never received the bill. 

In sum, despite my call asking that any bills be sent to XXXX XXXX, XXXX sent the bill to XXXX. I am seeking to have any mention of this debt collection removed from my credit history because I never received the bill.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAB, INC.
State: CA

Complaint narrative:
I requested a " pay in advance '' loan a long time ago. I went into really difficult situation with some family medical issues and I did some arrangement with that company to make monthly payments. But now they hire a collection agency that is really harassing me, my family and at my work. I told them to send me everything by mail but they refused to do this and they keep really harassing me. I want that they stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Contacted XXXX XXXX to inform that I became ill and was not able to make my payments and worked out a payment plan. They instructed me that I was to make a payment of {$130.00} on XXXX XXXX it was deducted out of my account and arrangements were made for future payments to be deducted from my checking account starting with XX/XX/XXXX payment of {$75.00} and XX/XX/XXXX {$75.00} and {$75.00} thereafter until the account was brought current. With the APR of 0.00 % which is reflected in the interest charge calculation section of my monthly statement. I was contacted by Capital One informed that a payment has not been made on my account. I informed them that XXXX XXXX made the arrangements. I faxed over to Capital One Debt Management Program the letter they sent, along with the bank statements that were requested for them to research  and look into the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions LLC has placed a collection reporting to XXXX stating that I owe a balance of {$980.00}. This collection report is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rauch-Milliken International, Inc.
State: CA

Complaint narrative:
XXXX  XXXX  account was with XXXX XXXX XXXX, XXXX XXXX XXXX sold XXXX XXXX to XXXX, XXXX XXXX, IL XXXX. By switching the company I had a option to cancel the account and change the company. I was given assurance from my Sales agent " XXXX ( XXXX ) XXXX, XXXX agreed to keep the same condition and the same benefits that was given to XXXX XXXX XXXX by XXXX XXXX XXXX and if XXXX XXXX XXXX don't like the service they can cancel the account. 
XXXX was doing the business totally different than XXXX  XXXX XXXX. They don't have sales agent assigns for business, XXXX  doing business through out sourcing employee base in XXXX. Most phone calls goes to voice mail and answer by different sales people. We finally tired did not satisfy with their service and XX/XX/2019 paid our account in full and request not to renew our account. 
XX/XX/2019 we call for total balance, call answer by Mr. XXXX call center in XXXX. Amount was XXXX. Check of XXXX was sent and it was cleared XX/XX/2019 verified by XXXX, from call center in XXXX. They keep sending us invoice and finally they gave our account to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. We gave them all the proof and record and our correspondence went almost XX/XX/2019. XX/XX/2019 I received 1st letter from different collection agency for demanding payment, Rauch-Milliken International,  Inc XXXX XXXX  XXXX, XXXX, LA XXXX We response there letter and request to verify all the previous documents from XXXX, with out delay they sent us another threatening letter to take us to court and after judgement seizing our account and property. All the documents are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has placed an account with a collections company stating that I owe a balance of {$670.00}. CBCS is reporting this debt from XXXX XXXX XXXX XXXX to my credit report. This collection agency is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Resource Systems, Inc
State: IL

Complaint narrative:
I was helping XXXX XXXX XXXX account number : XXXX on her medical bills.On XX/XX/2019, I faxed to United Resource Systems ( fax number : XXXX ) citing fair debt collection practices act. I asked the company, among others, to stop collection effort and put the account on protest status. The company violated the law by calling Ms. XXXX and me repeatedly. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing has placed a collection reporting to XXXX and XXXX, stating that I owe a balance of {$360.00}. This collection report is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and score.

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 2019-12-10 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: TX

Complaint narrative:
On XX/XX/19 my credit monitoring company notified me that XXXX XXXX had made an inquiry on my Equifax credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with Equifax because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

Equifax informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact XXXX XXXX. They searched my SSN in their system and assured me there was no record of any such inquiry. XXXX  XXXX told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to XXXX XXXX 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Am receiving approx 4 phone calls a day. This company has also called family members with the threat of legal action. Today I received a pre legal notification from this collection company. I have not received credit from them, nor have I requested this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
On XX/XX/2019 I sent a letter to credit acceptance via certified mail to verify that what they were reporting on my credit report was accurate. Credit acceptance had supposedly already verified to the credit reporting agencies that it was was reporting accurate information despite me showing them several inaccuracies. The letter was delivered to credit acceptance and they ignored it. I doubt they investigated anything. According to the FCRA section 623 they only have 30 days to get the results back to the consumer. It's been closer to 45 days with no contact from credit acceptance.

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( 1 ) have sent EQUIFAX all the required documents they requested, but they have refused to remove the freeze and send me a confirmation that the freeze has been removed.

( 2 ) They have failed to provide a free copy of my credit report

Company response to consumer: Closed with explanation