vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
We had two American Express credit cards. We noticed charges on both cards that were not ours. We contacted Amex to inquire/discuss. During our telephone call with Amex we were told that our replacement credit cards had been mailed, did we receive them. Problem-we did NOT request new credit cards NOR did we ever receive new credit cards. The Amex rep provided an address where these credit cards were sent-it was NOT our address. It became clear, very clear, that someone fraudulently obtained these credit cards in our names and used them to make purchases. 
We continuously tried to explain and work with American Express regarding these fraudulent purchases. We were initially told we were NOT responsible for the charges-based on the fact that they sent these credit cards to these thieves, not us. We again made it clear that we NEVER requested, wanted, used these replacement credit cards! 
We acknowledged that SOME charges may be ours and that absolutely we would be responsible for these charges. We asked for detailed Billings from the inception of the credit cards to the current date. We only received partial information. 
To date we have NEVER received a complete report of charges. Now American Express is trying to take us to court to pay for charges that were made fraudulently!! This has been and is extremely upsetting and frightening! Our credit has been severely damaged. We feel that we have no rights, no protection against American Express. 

Thank You, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Basically, they call Monday through Friday ( anywhere from once to ten times daily ) from a multitude of deceptive phone numbers to harass me about credit card debt. They have been doing this for weeks, if not months. Today ( XX/XX/2019 ) I responded to their call ( around XXXX PST ) and expressed to the gentleman I spoke with that I was not to be called again, as their calls are extraneous and becoming harassment. 

I then received a phone call at XXXX XXXX, not even three hours later, from a different phone number but the same company, Sunrise Credit Services. This time it was a woman and she tried to do the same exact thing as the gentleman before. I got her name and her information, and proceeded to tell her that I will be filing a lawsuit since they have ignored my requests to stop calling. 

Disgusting business practice, these people should be behind bars.

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 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
Agent name XXXX has made several calls to me regarding the Huntington debt of XXXX dollars after continuously telling him that I was unable to settle the debt outright. refused to allow me to settle with a payment plan and would continually call ( sometimes twice a week ) In order to harass and threaten legal action to receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: TX

Complaint narrative:
Service Finance are liars and are charging me interest on my HVAC loan and I am not 30 days past due. On XX/XX/XXXX they charged me {$57.00} in interest. On XX/XX/XXXX they charged me {$93.00}. I believe on or about XX/XX/2019 they payment system fraudulently took {$320.00} from my bank account and I only authorized {$160.00}. I filed a fraud complaint with my bank. My bank got my money back. Also Service Finance returned the {$320.00}. I filed the fraud complaint to document their fraud actions. Service Finance was only to return the difference {$160.00} because I was trying to earnestly make my payment. Now they are retaliating against me by charging me unlawful interest! This is an Interest free loan! Also they reported me to the credit bureau that I was late and also classified the loan as Real Estate! This is also another fraudulently activity they have performed against me! I hate these people! They are snake liars!

I want the interest removed from my account it is fraudulent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) please remove one of these inquires. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: IL

Complaint narrative:
CRA is erroneously reporting derogatory items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: IL

Complaint narrative:
CRA is erroneously reporting derogatory items on 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 non-monetary relief
Consumer complaint received 2019-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted XXXX, XXXX, and TransUnion every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX XXXX veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX   accounts with arrearages totaling over a XXXX {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 eviction   collection accounts, 2 bailsbonds accounts, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C

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 2019-07-25 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 have contacted XXXX, Experian, and XXXX  every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX retired veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 XXXX XXXX accounts, 2 XXXX XXXX, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C

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 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My husband is XXXX military and we got married XX/XX/XXXX. In accordance to the Military Lending Act my account is applicable for the cap rate of 6 %. On XX/XX/XXXX, I called to inquire on getting the 6 % cap and was told its only given to new applicants. The name is run through the DOD website at that time of application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
My mother received a phone call from Money Mart - XXXX XXXX saying if she paid him money, his company would give her a loan for {$5000.00}. She paid him {$2000.00} in XXXX XXXX gift cards purchased at the drug store. This took place between XX/XX/2019 and XX/XX/2019. He told her she could pick up her money at XXXX. She went to XXXX and they told her is was a scam. I told her to cease talking to him and that I would put in a report. He gave her an address of XXXX XXXX XXXX XXXX, FL. I have 2 phone numbers for him XXXX and XXXX. I have an email address for this person as well and documents he sent to her with a loan approval number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
XXXX XXXX Midland Mortgage is who i am with have had nothing but trouble from them they have lied to me they say i am be hind i have sent them prove where i have made all my payments and have old payment books to prove but i am tiered dealing with them i cant refinance becouse they show me late or somthing is that against the law to show false creadit agaist some one? You let them try and take my house after paying 20 years on it and see what happens.I have tryed to get away from them and can not do.I am thinking about selling to some one i know for pay off and see how they like that.I think this company iare crooks i want away from them some how some way i will not take to them they get me so XXXX mad sorry.

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 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Hard inquiries were made, Ive included the attachment. 

Ace Cash, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I paid 4 Medical Collections on my credit on XX/XX/2019 to Convergent Healthcare Recoveries , Inc via phone with 2 different debit cards that is from my 2 Credit Union Accounts. They informed me they was going to report my payments to the bureau. When I pull my credit report through XXXX XXXX I noticed that they was on my credit report, in which they wasn't on their before. I paid the collections as soon as I got the letter so they would not hit my credit report. But as soon as I paid them, they reported me to the credit bureaus as if I never paid. I called them back to discuss why was it showing on my credit report 30 days later and why haven't they sent me a receipt and the collection representative told me they don't send receipts, I will have proof that its paid when I check my bank statement and its not on my credit report. I see the 2 Charges taken from each account for the 4 collections, but they still reported me and 30 days later my credit report is not only inaccurate, but that too my money and is telling me it will take up to 120 business days. Whats worst is the collection  reps acts secretive as no one likes to give their names at Convergent Healthcare.  They only become rude and hangup on me. I feel like I was not only robbed but they are reporting bogus information on my credit report. 

Collection 1 - {$66.00} ( Paid With XXXX XXXX XXXX ) Collection 2 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 3 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 4 - {$250.00} ( Paid With XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has put a completely unreasonable, 7 business day hold on my funds from a deposited check into my personal account. I tried to rectify this every day with them, both in person at their branch and then on their customer service line as was advised to do by their branch manager. 

On the second day of the hold, I was made aware by the institution whom the check was written on that the funds had cleared their bank and that they even had a visual copy of my deposited check. I called Bank of America back with this news and they told me that they were sitting on the funds in their possession, and intended to for the full 7 business days as was their " right for risk management purposes. '' This is outrageous given that 1 : they now have cleared funds and 2 : I have a long history of receiving checks against this specific institution in the multiple {$100000.00} 's over the course of a 5 year relationship that have never once bounced. They are holding my money hostage and causing me financial harm, since I can not pay my general contractor.

I told Bank of America that there was a manager who was willing to get on a phone call with them to verify funds, but BofA told me that this was against their corporate policy. Conveniently for them, I now need to take out a high-interest cash advance from a credit card to float the time between my funds clearing and the hold, while they retain my funds overnight for a week. I made the Bank aware of this stress and they told me " I could complain as high as I wanted, nobody would do anything about 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 monetary relief
Consumer complaint received 2019-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed this {$300.00} charge of XXXX XXXX XXXX in the month of XXXX, and in the month of XXXX it was reapplied citing that after XXXX months investigation I will get a permanent credit. I did try to contact XXXX XXXX at XXXX, PIN NO. XXXX, but everytime I call him/her, it goes on voicemail. She was the one from whom I received the letter on CFPB and she is not standing by her words.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: FL

Complaint narrative:
I don't recognize this account, i never applied for it, i stole my wallet with documents and i think somebody used my personal information to apply for credit cards.

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 2019-07-25 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: CA

Complaint narrative:
Hi I called the companies to remove the credit Hard inquiries no answer. Went to police department since there is no money missing no report given. Contacted TRANSUNION TO REMOVE THE FRAUDULENT INQUIRIES they don't do anything. 
THIS COMPANY IS VERY DISRESPECTFUL AND CARE LESS FOR CONSUMER PROBLEMS AND REFUSE TO HELP ... ... 

THIS ISSUE AFFECTING VERY HARD MY CREDIT REPORT AND WHEN APPLYING FOR LOAN WILL HAVE LARGE FINANCIAL EFFECT

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 2019-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As I have documented in these attachments, my daughter was the victim of a fake check scam and Citibank did not employ its fraud protection tools when suspicious and unusual activity occurred on her account, but instead chose to use me as an insurance policy to minimize their financial liability. 
I was referred to your bureau by my NY State Assemblyman XXXX XXXX. 
A 14+ thousand dollar set-off was seized from my bank account after my daughters account to which I had been linked to, had on XX/XX/2019 an end of the day balance of XXXX  cents. After there were 5 sequential  daily {$9000.00} deposits that astronomically raised her average daily balance, there should have been a multitude of red flags raised that minimally would have reduced my degree of financial exposure. 
The system failed and Citibank was negligent in their ability to protect me from this unfortunate outcome. Others may have suffered the same wrongful fate and Citibank should be held accountable for NOT reforming their banking practices after they were forewarned by local law enforcement agents.

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