vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
Collection company Asset Recovery Solutions LLC had called to my work place two months ago. I received the call and I notified them that I am not allowed to get personal calls at work. I told them to stop calling me at work because they are jeopardizing my job, I can lose my job. I asked them to send me the information via regular mail, which they never did. Yesterday, XX/XX/19, an ARS representative by the name of " Mrs. XXXX '', XXXX XXXX XXXX XXXX XXXX, called my work and a co-worker answered the phone call ; I was not at the office at the time. When I was in, my co-worker told me that first my phone was ringing and ringing multiple times. Then, the call from ARS came through again, through another line, and that's when my co-worker answered it. My co-worker states that " Mrs. XXXX '' was insisting as to where was I, and to try to obtain information of me. She did not disclosed any information and took down her name and phone. Today, XX/XX/19, " Mrs. XXXX '' from Asset Recovery Solutions LLC called my work place again. I am being harassed at work by this collection agency. I called Mrs. XXXX back and told her that I will report them for violating the Fair Debt Collection Practice Act. I told her previously not to call my work place and she is still doing it. I might lose my job because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
American Capital Enterprises was collecting my mothers information and charged her on her credit report as a collection then my mother told them I've never been in the ambulance or called an ambulance then they asked her well is a person by such name live there at the property she said yes that's my son then they told her orbits him that owes us then so they did not have correct info on who owed who please resolve cause its hurting my credit thank you date open XX/XX/2014

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
diversified consultants are lying about dates and amounts owed to XXXX XXXX XXXX  it is still a negative on my credit. i have supporting documents that XXXX XXXX XXXX owed ME money and paid it. we are square and i have the paper work to prove it. yet these head hunters somehow keep it on my credit by renewing and fraduantly changing the dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I took part in promotion that Money Lion had called pave your wage. They will give you 17 percent of your first deposit into their investment account within 90s days as long as your other direct deposits are percent of the first deposit, you keep your account in good standing, and the promotion is good until XXXX XXXX dollar limit was exhausted I was told my multiple representatives that I qualified and all I need to go is wait. I was told XX/XX/XXXX was the day I should of received it. I reached out and spoke to a manager and she never followed up. I am considering their lack of action as negligence and also considering proceeding in small claims for damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a capital one credit card with a XXXX limit. I reported my credit card stolen XX/XX/XXXX. On XX/XX/XXXX, there was a charge approved by capital one for XXXX that posted to my account. I immediately contacted capital one to dispute. First off, the card was reported stolen, a charge should not have gone through in the first place under any circumstances. And second, the amount approved is 8 times my credit limit. 

Their response is that when i signed up for the card, i was automatically opted in for over-limit protection, so it was within capital one 's discretion to approve or decline. The strange thing is just the week prior, the same company attempted a XXXX charge that was declined. So they decline a {$280.00} charge and then the following week they approve an almost {$2300.00} charge. 

From what i have read, they should not be allowed to do this. The law seems clear that they should require a separate opt in form/signature, and not have it set to opt in by default. 

To sum, my issue is 3 fold.They allowed a charge to go through on a card that was reported lost. On top of that, the amount was ridiculously above and beyond my issued limit. And they are not adhering to the credit act with opt in authorization. 

At this time they have removed the charge pending investigation. But there should not be an investigation. The charge should never have been approved in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased an engagement ring on credit through Comenity Bank from XXXX the XXXX in XXXX, CA. The purchase I agreed to pay on came out to {$110.00} per month with special promotional financing at 14.99 % APR at 36 months. Comenity was billing me over {$250.00} for the first several months and than after several formal and informal disputes they lowered their monthly payment to {$180.00}. When Comenity failed to reconcile my account I had XXXX, the sales manager at XXXX, contact Comenity on my behalf and Comenity would not speak to him due to privacy issues? He contacted corporate and supposedly his district manager was able to get my payment down to {$120.00} ( which isn't the correct amount but he tried. 

In addition, Comenity is charging me a late fee and finance charge because I will not pay the full amount they say was due last month - {$180.00}. I paid {$110.00} and they wont credit it back. If they agreed that their billing was wrong when they spoke to corporate than why wont they credit me back the late fee and finance charge? I have submitted every receipt, their own monthly item price spreadsheet that I was given a copy of and my own spreadsheet to help show them where they went wrong in their entries and the only thing they've done is make my account activity extremely hard to understand when you look at it online. It's like a 7th grader put it together. She cringes everytime I bring it up. Thank XXXX for XXXX and for all his help because Comenity sure wasnt any help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have called to opt out of overdraft service, so that all transactions that would overdraw the account should just be declined. The bank falsely told me that that is not possible. I later learned that there is a law that requires them to allow me to opt out. When I saw such transactions pending on my account on XX/XX/XXXX, I called in to request complimentary stop payments, but the bank refused.

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 monetary relief
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
VICTIM OF IDENTITY THEFT NOTICED UNAUTHORIZED INQUIRIES ON MY REPORTS

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 2019-07-10 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: NY

Complaint narrative:
VICTIMOFIDENTITYTHEFTNOTICEDUNAUTHORIZEDINQUIRIESONMYREPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
VICTIM OF IDENTITY THEFT NOTICED UNAUTHORIZED INQUIRIES ON MY REPORTS

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 2019-07-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed this account and also this account was open during time of fraudulent activity on my credit and I have filed a ftc report and also another one and this account is listed inaccurate and it needs to be deleted and THIS IS NOT MY ACCOUNT

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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
XX/XX/17 went to XXXX General Hospital E.R. very ill. Presented primary and secondary insurance. Every department was paid, no co pay except apparently triage.

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I have disputed information with Sage Stream for years with no avail. Sage Stream refuses to remove fraudulent information, they knowingly list on my report. I also have proof that their credit optics score is showing a low score regardless of negative information falling of the latest report. Score dropped from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX XXXX XXXX was recently removed and regardless of negative info falling off, the score dropped. Sage Stream optics score is designed to hurt the American Consumer. They attempt to keep consumers at a low score in hopes to sell consumers " consumer credit repair products '' for a profit. Sage Stream is colluding with multi national organizations to scam consumers for credit repair when they don't need it. Consumers need protection from Sage Stream. 
Sage Stream refuses to remove fraudulently listed information listed on my credit report. For years, they have retained fraudulently reported information, regardless of my communications with the company. Sage stream places the onus on the creditors that report to them ; however, I have confirmed with the creditors reporting on their consumer credit report that they have requested removal, and Sage Stream has not complied. Sage Stream violates the fair credit reporting act guidelines and needs to be fined by the FTC. Furthermore, the Sagestream " optics score '' is flawed. The score goes down regardless  of negative info falling off. 
XXXX needs to be removed as well. Also, phone number on file, I have used since XXXX, yet sage stream reporting " limited info at this phone number, '' they rate me based on phone changes which is a false narrative, lived at listed address for over ten years, I should have 0 inquiries. The score should be a perfect XXXX, regardless of their objections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: OH

Complaint narrative:
I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my XXXX report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my ftc report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights

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 2019-07-10 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I have disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.

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 2019-07-10 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: CA

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX, in XXXX XXXX, California on XX/XX/XXXX. However, the quality of the goods was extremely shoddy, and instead of receiving a good faith effort to work out an issue between XXXX XXXX XXXX and Syncrony Bank, I was threatened by XXXX XXXX Staff at the XXXX XXXX Location on XX/XX/XXXX, that I would be arrested and the furniture seized by force. I have tried to respectfully appeal to Syncrony Bank to rescind the remaining purchase balance because of these issues, to no avail.

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 2019-07-10 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: NJ

Complaint narrative:
Early warning is reporting information thats not mines. I ordered my report and I called they said nothing on my report. But when I went to XXXX XXXX it comes up that early warnings has me in there system. I want them to stop reporting any information in regards to me. This is ruining my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IA

Complaint narrative:
I am behind on my mortgage one month, each payment is {$1300.00} plus and additional {$10.00} for the convenience of processing the payment through their online portal. 
I was looking through my statements and what bothers me is I received a letter dated XX/XX/19 showing I owed for XXXX but also was including the month of XXXX. The statement requesting the monthly payment 15 days before its technically due is miss leading. 
This could cause financial stress and lead to poor decisions for other home owners that dont fully understand their mortgage.

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 2019-07-10 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
XXXX have me on there system paid account abuse this must be removed its not mine! I contacted them and all they say is wait, wait! Remove this fake information off my report. They forced me to pay at the bank for fake account to help myself..

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 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
This account # XXXX is a account that isnt mine. I have know acknowledgement of this account and I have NOT OPENED ANY ACCOUNT IN XX/XX/2019 so you are reporting a inaccurate account on the wrong credit file and I have sent mail to this company to get Method of validation of this account and no response I have filed a police report and also a ftc report in regrade to this account and none of the information listed across al three boreds is accurate and list inconsistent and this needs to be removed off my credit file NOW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I paid {$200.00} on my capital one opeiu credit card before the due date and they charged me an past due fee. I finally got my payment on track and they charge me fees to keep me under water.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have XXXX points on my XXXX XXXX Mileage Plus credit card. I attempted to use these points by going onto the company web page. I was unable to go through the various steps to redeem the points with a purchase. I contacted the credit card company and a representative in their computer department attempted to help me purchase an item however he was also unsuccessful in being able to download this item. I asked the representative if I can redeem my points by speaking to a representative and he stated that this is not possible as the redemption can only be made via the web. My points expire this month. The quandry is that I will lose these points because the credit card company can not help me and as I can not speak to a human being for the redemption.I will lose these points this month. I am enclosing several documents.

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