vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It is a real problem here that capital one has a persecution against me for adding authorized users to my cards, something that is completely legal. They allege fraud with my cards because I add my family members to my credit cards. 

They were sent the documents they requested and it is now six months that they keep my accounts freeze for no reason and without reason. The balances of my cards are XXXX, I pay my cards well and there has never been a delay. 

I consider it an abuse of capital one to freeze my cards by me adding authorized users. 

I have called for six months on many occasions and they ignore me. 

Since when is it a crime to add authorized users on credit cards? 

This same situation also happened to my husband with capital one, and my husband threatened to sue and in two days they fixed the situation. 

I request that both credit cards be defrosted immediately, if capital one continues to pursue me as if I were a criminal for adding authorized users, I will be forced to sue in the Federal Court. thanks Mrs. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive disputed info that XXXX is reporting to the credit bureau. In 2018 I settled an account for payment in full and agreed to make monthly payments. XXXX has recently began reporting that Im making late payments. NONE of the payments have ever been late! Every single payment has been on time. They have caused my credit to be lowered and Ive experienced an adverse credit decision because of their negligence. If this is not resolved my next recourse is the XXXX XXXX XXXX or small claims court.

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 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I INFORMED MACY 'S THAT I AM UNEMPLOYED AND ACTIVELY SEEKING EMPLOYMENT AND DO INTEND ON SETTLING THIS DEBT ASAP. I HAVE ASKED THEM TO DISCONTINUE THEIR REPEATED MULTIPLE CALLS ( AT LEAST 7 TIMES A DAY ). 

MACY 'S STILL PERSIST ON CALLING AT LEAST 3/4 TIMES DAILY. 

I HAVE A PROBLEM WITH XXXX AND AM A SENIOR CITIZEN AND THEIR REPEATED INTENTIONAL HARASSMENT CAUSESGREAT HARM TO MY EMOTIONAL WELLBEING!!!!!!!!

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 2020-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Security, Inc.
State: OK

Complaint narrative:
I started receiving harassing and threatening phone calls and text messages from a guy who told one of my old coworkers we were old friends whom also lied to me when I asked who the person was and claimed we were friends.After several attempts to get the person to identify themselves he then said he was calling on behalf of a payday loan company and proceeded again to make threats towards myself and my family. I contacted the company and explained all of this to them and asked what was going on and they said i owed money and that was their processor. This loan was from 3 years ago and to my knowledge was paid off in full. i asked to speak to the manager that helped me and they refused to give me any information on the person, I later found out that person was let go from their job I began to explain I just came back into town nd no one has ever contacted me regarding this debt. the person began to cut me off and get very hostile over the phone, i explained all the documents I had I had to locate due to loss of item from a disaster. they refused to work with me and continued to have that guy threaten and harass me and my family, after explaining to the company I do not have a place to live, no vehicle due to the circumstances I'm going through and looking for a new job because right now I'm only making $ XXXX/hr and tried to get a settlement amount and I did not feel comfortable nor safe because of the threats from their processor their response was they don't care and he will continue to harass me. I complained to the district manager and that person was even ruder towards me and lied saying they would have someone else contact me. the next day that guy came into my work place causing a big scene threatening me and throwing papers at me then called me XXXX slurs. I am completely appalled and disgusted by these people and this company. i tried contacting the owners and they never returned my calls.

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 2020-02-20 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: GreenSky, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and XXXX   concerning the derogatory rating I received from Greensky Financial Bank ( Greensky ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of The Home Depot USA Inc. DBA Home Depot Interiors , case number XXXX, because The Home Depot failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through Greensky. In XX/XX/XXXX, I notified Greensky that I would no longer make payments on the loan until the work was completed as agreed and provided them with a Home Depot Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to Greensky. While in dispute, Greensky charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to Greensky, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and XXXX. Greensky has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from The Home Depot Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and Equifax concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and Equifax. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX   XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
the apartment sued me claiming l didnt pay the rent which l paid, at the court they withdrew the case and the judge dismiss the case only to ask me to vacate the premise and they had me in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MO

Complaint narrative:
The company Americollect was notified that this debt was paid thru the hospital thru financial assistance/charity and still reported it to my credit after receiving proof of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Pulled a Credit report as a precursor to buying a home onXX/XX/2020, and found this company was reporting a medical debt on my credit report. for an amount of XXXX As I have not had any communication with this debt collector ( including but not limited to calls, Official letter etc ) I contacted them via Telephone on XX/XX/20 using the number on the credit report, only to be met with abusive Language and a demand for payment, I verbally requested them to send me proof of this alleged debt and was again verbally abused with a refusal saying they had no obligation to provide that and that I had no idea what I was talking about when stating the fair debt collection and fair credit reporting acts, and that I should just shut up and pay as its only x amount. 

At this point I hung up the phone and typed up a debt validation letter and sent it via tracked USPS with signature verification. ( tracking number : XXXX ) They have since received the letter on XX/XX/2020 and have yet to Send any communication back. They have however been calling my phone so much that I have had to block their number, I was receiving an upwards of 15 calls a day Starting at XXXX and going beyond XXXX and on sundays! 

as a debt collector myself I do know how highly illegal this is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I got a loan XX/XX/XXXX for my house, it was with XXXX XXXX, then they was bought out by XXXX XXXX, and then XXXX was bought out by Huntington Bank. XX/XX/XXXX I filed a chapter XXXX and since this was the first time I ever did this I didn't understand everything that was included. I didn't have my home in the bankruptcy because I thought I would lose it and I didn't know that because I didn't include it, the bank would hold it against me. I always made my payments each month. They refused to give me my payment booklet and wouldn't help me with anything. My home percentage is at 6.25 % and Huntington will not let me refinance or anything. They said I needed something because of the bankruptcy some kind of paper. This is XX/XX/XXXX and Huntington will still not help me. Because my home isn't worth a lot it's hard for me to get another bank to refinance without all the closing costs, etc. I am on XXXX and have limited income. I just mainly want to get the 6.25 % dropped down. Also, when I was making my payments every month I was sending extra toward the principal and Huntington just recently took that away. I have tried so many times to talk to anyone at Huntington Bank and they just won't help me. Can I still get this paper that the bank is talking about. I am at my wits end because this bank is driving me insane. I need help, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: ID

Complaint narrative:
American Express has frozen my Membership Rewards points and has not provided an explanation other than the generic its being reviewed. This has started XX/XX/2019 and up to now it still has not been resolved. I have 3 cards that earns MR points and I have contacted them multiple times ( since XX/XX/XXXX ) and got passed around from one department ( Membership Rewards, Amex Customer Service, Fraud department ) and eventually all the explanation given is account under review. I have a XXXX  trip coming up to the XXXX soon ( this XXXX ) and using these points to convert to miles is what Im relying on to be able to go there. Please resolve the issue ASAP and let me know the specific reason other than the generic under review. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX serve metro XXXX. Last summer, I have received call a call from XXXX XXXX promising to boost our sales after using their marketing platform. After numerous calls and overpromises we decided to try. However, they did not tell us that was the contract of one year. It was only phone conversation and told me to go to the link they provided to enter and create the business profile. I entered the required fields on the form and submit. Again, there was no explanation of contract. I did everything they asked but only received auto calls that either mentions car warranty expiration or marketing call. After 4 month of paying monthly, I decided to stop. Then, they told me that I signed a contract for one year and sending me electronically dated contract. I never signed a contract. They charged the credit card in XXXX and I claimed it. Finally accounts recievable department of XXXX XXXX  submiited {$840.00} for collections department. I need a help to resolve this unfair practice of XXXX XXXX  for ripping off the small businesses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$500.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -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 2020-02-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$500.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -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 explanation
Consumer complaint received 2020-02-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$500.00}, {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America FIA CARD SERVICES has been disputed again XX/XX/XXXX with XXXX  XXXX  XXXX  and they refuse to remove it. 
I do not what bank of America FIA card services is. I have never had one I do not have knowledge if this account as documented in my XX/XX/XXXX XXXX  credit report and disputed again. 
Then the name was changed recently to bank of America FIA cnsa whatever on my XX/XX/XXXX credit reports. I want the documents relating to this stating account closed by creditor of boa dis card services corp and removed. 
My identity theft filed registered with ftc # XXXX.

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