vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an American Express account in XXXX, when I was XXXX XXXX XXXX. I overcharged that account and was unable to pay the amount in full at the end of the month. I explained to the bank that my parent had had XXXX XXXX XXXX and I needed time to pay off the debt. Those requests were ignored and the amount was sent into collection and the account was closed without any discussion. I also was not notified at that time that I could dispute the debt. I immediately paid off the debt using all resources available to me and the delinquency is still reported on my credit report, 5 years later, even though it was charged off, even though I was never contacted about being able to dispute the debt and even despite my many requests for assistance. 

American Express treated me unfairly and trapped me when I was XXXX into a situation that I could not get out of without help from external sources. It is still affecting my credit score and life opportunities 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has repeatedly called and sent invoices for balances that are not my responsibility. I have sent detailed letters giving them 30 days to send me information VALIDATING the accounts and they failed to do so. They simply respond with the previously sent invoice stating the accounts have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In response toy your complaint number XXXX. The validation of the debt you submitted does nto validate a debt. You sent me statements that shows an address I never lived at. the address on those statements is XXXX XXXX XXXX, XXXX NY XXXX. Clearly this account was a fraud opened without my authorization. And you keep sending statements and you refuse to send me the signed credit application that shows the signature and the address used to apply for that debt in my name. 

I need the credit applaiction to take this case to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested to have this secured credit card account closed back in XXXX of 2015. According to XXXX XXXX rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX XXXX XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX Bank rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services
State: CA

Complaint narrative:
He calls me at the morning XXXX in the morning he tells me that I 'm worthless what kind of drugs am i smoking and I have no dignity for myself that I 'm worth nothing and he wants to leave these on my voicemail so I have proof and the company 's name and XXXX XXXX and the guys name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Company has called and harassed me for years. I never knew it was on my credit until I went to get a Mortgage Loan. I told them it was not my apartment and I submitted my lease addresses from XXXX to show I lived somewhere else. I also sent my driver 's license to show my home addresses. They said the signature matched on the application for apartment and NO ONE ever lived in apartment, but there was a lease signed in my name, so they put on my credit. I would like to reiterate that no one lived in apartment and my wallet was stolen of course they can recreate my signature. They refuse to remove it and they offered me a settlement of {$3000.00}. Them offering me a settlement proves that this is not my debt and they just want money and they are taking advantage of the fact that I need to get this off my credit. Every time I talk to someone they are rude, they talk over me and do n't listen. This is not the only thing that was done to my credit, someone got another apartment in my name and filed taxes under my name and social. I have filed police reports and provided document. This should come off my report because this is not my debt.

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 2017-10-26 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: GA

Complaint narrative:
I 've tried to get this account remove from my credit report on numerous occasions. I do not owe XXXX XXXX XXXX any money and this account need to be remove from my credit file. I have asked this credit reporting company to investigate this account and have it removed because they are allowing XXXX XXXX XXXX report inaccurate information. XXXX XXXX XXXX is trying to make money off of me for no reason and I owe them nothing they are a debt buying company and I 've asked for proof showing I owe this debt and also a debt validation/debt verification and also a copy of a lease showing I owe {$780.00} in which I owe {$0.00}. Please have this company remove this account from my credit file asap. This XXXX XXXX XXXX account is listed as a collection account with Experian please remove from my credit file.

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 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland Credit Management has continued to make collection efforts on a debt they can not reasonably prove I owe. I have informed the company the gift was never received by the recipient and I was expecting a refund. The company then replied with notes provided by the original creditor. There was no proof of delivery provided. 

Additionally, Midland Credit Management has re-aged the account and is intentionally reporting the account is newer than what it actually is. This is a direct violation of the FCRA AND FDCPA. 

The company is billing me for items I ordered but never received. Further, the company is damaging my credit for items I never received and that they can not prove were received by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have canceled an auto insurance policy and continue to get collection notices for {$140.00} for non-payment for a canceled policy. 

They have three brokers/agency/insurance that do not talk to each other and blaming others for not giving proper information, using wrong forms ( not my form ). 

They have sent my account to collection and is impacting my credit rating, employment. 

Date of cancelation requested XXXX ( due to holidays and being out of Country time diff. ) to cancel, contacted XXXX as was advised by XXXX to do that. 

XX/XX/XXXX - Received and signed the cancelation letter dated XX/XX/XXXX. 

Letter says cancellation date ofXX/XX/XXXX, XXXX XXXX. 

Obtained insurance with new insurance and began payments on XXXX. 

Did not use vehicle as was out of country XXXX to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX XXXX, a property garnishment was granted by the plaintiff and Bank of America froze my accounts. ( 2 checking and 2 savings accounts ). 

On XXXX XXXX, the plaintiff dismissed the garnishment, and the court signed off on the dismissal on XX/XX/XXXX. I went to the bank with the copy showing that the dismissal had been granted on XXXX XXXX, and the letter was FAXED to their financial department by one of the bank business reps. ( I have copy of FAX, cover sheet and confirmation sheet ) I have been calling Bank of America everyday, and stopping into the branch every day, but they tell me there is nothing they can do. When I requested a phone number of who to call they tell me they do not have a number they can give me. Even my lawyer has tried to get hold of someone. 
My accounts are still frozen today.

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 2017-10-26 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: HI

Complaint narrative:
It has been over 13 weeks since meeting the spending requirements to receive XXXX membership rewards points on my XXXX XXXX card from American Express. I have n't received any points. 

It has been over 13 weeks since meeting the spending requirements to receive XXXX Delta Skymiles on my Delta Platinum card from American Express. I have n't received any points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: RI

Complaint narrative:
Multiple dates from XX/XX/XXXX2017 - present. 
I had a representative from XXXX call my job up to 5 times a day, which ended up practically harassing my employees. 
When I finally was there to speak, she was asking me personal questions and trying to get me to tell her how much I made at my job. I already explained to her that I work in a store with NO office. I 'm in the middle of a live store on the phone with her while my employees AND customers are next to me. I could not tell her any of this information. I gave her my personal cell number. 
She called multiple times afterwards just that week. She called again about a week ago and I told her the same thing. I got pretty angry with her. 
I believe her name was XXXX? Or something simliar to that. 
Calling someones job should NOT be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.

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 2017-10-26 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: CO

Complaint narrative:
CAP ONE AUTO There are 3 late payments that I would like removed - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi Bank/Citi Cards website has not been working properly for two months. I am getting billed for what is probably the right amount, but when I go on line to print a copy of my statements for my two credit cards, they are not available.

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 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away. 
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ). 
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck. 
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt? 
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
One main was disputed by all credit bureaus in the month of XXXX. A letter of debt validation was never received in response to any of the disputes. The account was removed from XXXX report ( I have provided the screen shot displaying this information ) but came back verified on XXXX ( I am also attaching the documentation from Experian showing verified status as of XX/XX/XXXX. On XX/XX/XXXX the company One main reached out to me in the form of a letter ( attaching a copy of that as well ) not to provide documentation or any contractual agreements for this alleged debt but a letter willing to reduce the debt amount significantly up to 90 % in hopes that I would contact them and settle and I did not. The letter stated this was the 'Final Opportunity '' and that I had to respond before XX/XX/XXXX. On today XX/XX/XXXX my XXXX credit score took a 96 point  decrease which is detrimental making it very difficult almost impossible to acquire credit especially when you were looking to buy a house in the next couple of months due the account jumping from a closed status to open without my knowledge or any documentation in writing saying an account that has been closed since XX/XX/XXXXis now open and not only open but has a missed payment causing my payment history to decrease from 100 % to 96 % and my credit age history to drop because it is now factoring this account. I have attached screenshots for all this information. I need this information reviewed and corrected and removed immediately. I am beyond upset and frustrated the amount of ways and things a company go about affecting a consumer 's everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I contacted simons agency on XXXX XXXX 2017 after numerous accounts were reposted by this company. after reviewing my bankruptcy filing I noticed that all of the listed accounts were included in my bankruptcy and only the service date was changed to make them appear to have validity. I spoke with XXXX XXXX who told me that I would be jailed if I reported this which is in clear violation of FCRA regulation. XXXX also misquoted FCRA incorrectly and attempted to badger me when he was corrected. XXXX was also advised that since the information was disputed well over 30 days ago and they did not provide documentation within the time allowed under 13 U.S.C and 15 U.S.C. that they must remove the information disputed. he refused and instead lied and stated that they were not required to provide a validation of the debt and could do what they like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX : XX/XX/XXXX - CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX XXXX : XX/XX/XXXX- CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX : XX/XX/XXXX : CALLED AND SENT 609 LETTER

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