vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/17 I withdrew from my checking account {$300.00} which left a balance of {$900.00} ... later I went to with withdraw the balance which was one withdrawal of {$800.00} and the machine say that I had already withdrawned my limit I tried again to withdraw {$100.00} the machine says again that I had withdrawn my limit ... I went the next day on XXXX to attempt to withdrawn funds my balance was only {$59.00} ... I filed a complaint with the bank to get my funds the bank informed me that I would have to wait 7 to 10 days while they investigate before they could credit my funds to my account ... I do believe that this is customer abuse from this institution ... I have had no funds for food, gas or to pay electric and/or mortgage ... I 'm appalled that any institution would inconvience any customer in this manner. I desperately need my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report.       Last Reporte d  XX/XX/XXXX Col lection Agency CONSERVE Original Creditor   XXXX   XXXX   Status Open Opened Date XX/XX/XXXX  Clos ed Date -- Responsibility Individual Account.   Balance {$61.00}  High Balance {$6 1.00} Remarks -- This was fr om  XX/XX/XXXX  and the correct amount was {$81.00} I disputed this with the original debtor and it was written  off as a billing error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
Between  XXXX   XXXX  and now my daughter { name hidden } has tried contacting  Cooling and Winter  at  XXXX  to settled a judgement debt that I owe. She has been calling and calling to no avail. She spoke with a woman name  XXXX  who told her there were only  XXXX  agents that accepts call and they are in the garnished department. She and others has transferred NOT ONLY me ( but my daughter  )  to  XXXX   XXXX  out of the  XXXX  reps ) and we have left Voicemails after voicemails with specific instructions on when and how to call my daughter { name hidden }. On  XXXX   XXXX ,  2017 , my daughter received a call from someone name  XXXX   XXXX  who told her that before he can speak with her, he would need a letter of authorization from me. He advised her, once he received the letter, he will call her back. He gave her his email address to email the letter to  XXXX  XXXX  XXXX . The letter was written and signed by ME to allow  Cooling & Winter  to speak with my daughter regarding this judgement.  XXXX   XXXX  did NOT call neither myself or my daughter back. My daughter called the same day, the next day and the next day to no avail. She even left a message and we quote, " Why is it so hard to get in contact with someone to take care of this judgement? '' We have never called a collection agency just to be told there are only  XXXX  people that can help us with are debt and when we are trying to get a hold of someone to pay our debt in  FULL  it 's like pulling pins and needles. This makes no sense that we as the debtor is trying to pay and have something that is affecting my credit taken care of and have a very difficult time trying to get a hold of someone. I feel like this company is doing this to collect more money or something. This has taken too much time and energy for something that we are trying to pay and satisfy. This is a joke and a life within itself. It is  XXXX   XXXX ,    2017  over a month and no one has called us. She left a message on Thursday and Friday and again NO ONE, I repeat NO ONE has called back! At this point, I do n't know what to do but file a complaint against the company to them, news cast and anyone else who would like to listen to point out how when a debtor is trying to pay and satisfy their debt in full, a collection or judgement company is refusing payment and/or not returning their calls. Very sad and the  XXXX  is affecting me from purchasing a home. I would like this judgement remove for their incompetent, unsatisfied, in responsive actions.

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 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
I have made a purchase with  XXXX   XXXX  in  XXXX . Unfortunately, in  XXXX  my my wife lost her job during the recession and could not afford to make payments. They have called me at work and asked me why I stopped making payments ( I was appalled that they would even call my place of work ) but I have told them our situation. I was not offered a payment plan but instead was placed in collections.  <P/> The statute of limitations has long passed, however, while I recently reviewed my report, I noticed I was placed back into collection in  XXXX   XXXX  again after more than 7 years without ever talking to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My first experience  with   Sychrony bank was with my TJ Maxx card, they lowered my limit based on my credit score. It was low then so I did n't complain, I just paid off the account and closed it. Next, was my JC Penny account. I have been a card holder with JCP fo r 15 years. I paid off my account in full back in  XXXX  and was informed in  XXXX  that my account was closed. Pe r Sychrony, my credit score  was low in  XXXX   2016 , so they closed the account. At the time they closed the account, my score was  XXXX  points higher than their quoted score in their letter. I have  XXXX  more account  with Sychrony,  my Care Credit account, which I will close so as to not do business with this company or any retail outlets that use th is Company  as their primary credit car d issuing Company. I n the meantime,  XXXX   XXXX  will be getting a majority of my business as their cards are owned by  XXXX  and they consider me a credit worthy consumer, so they raised my limit {$1000.00} for being a loyal customer. My hard earned money and credit will never be spent or utilized with ANY establishments  who use Sychrony in any manner or form when it comes to their business and customers.

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 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
XXXX   XXXX ,  2017  -  XXXX   XXXX  - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt.  <P/>  XXXX   XXXX ,    2017  -  XXXX   XXXX  - Person came to door asking for me and if I lived there. Friend told him to leave.  <P/>  XXXX   XXXX ,  2017  -  XXXX   XXXX  - Person came to door, striking it forcefully and loud ly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my saf ety ). My friend, who was likewise concerned, asked this person to identify himself.   Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My  friend (   XXXX   XXXX   XXXX   XXXX   ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him  " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested that Experian provides me with the method of verification used to investigate my dispute per FCR  A 611 ( a ) ( 6 ) ( B ) ( iii ). They refuse. I have documentation to support this blatant disregard of the FCRA by Experian I dont believe Experian actually investigated my dispute and that 's why they refuse to provide me with the method of verification.
<P/>
This is a repeating problem that I have when disputing with Experian. I had some ID theft on my credit and when I have disputed in the past, they give me the same exact response refusing to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii )

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 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04 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: LTD Financial Services, L.P.
State: MA

Complaint narrative:
I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in th e Commonwealth of M assachusetts. In addition, the account balance in question was a corporate account with   XXXX   XXXX   XXXX   that was settled through one of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known  as LTD Financial Services, L. P. I re alize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with   XXXX   XXXX   XXXX   back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  LTD Financial Services L. P.  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not onl y LTD Financial Services, L.P. , but by   XXXX   XXXX   XXXX   as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  LTD Financial Services L. P. i s in strict violation of my rights under the Fair Debt Collection Practices Act and  Commonwealth of M assachusetts  General Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This year, Equifax has placed Multiple Fraud and Extended Fraud Alerts on my Credit File. However, I have never verbally or in writing requested for Equifax to add any type of fraud alerts to my credit file. They then send a request to  XXXX  and    XXXX    to add Extended Fraud Alerts to my credit file.
When this issue first started, I was n't sure why the alerts were added and I requested them to be removed via a Phone call to the bureaus directly. I even submitted a copy of my driver 's license in which Equifax has confirmed that they received along with a handwritten note requesting that they do not add any other fraud alerts to my credit file without a written request from me.
<P/>
I have never provided any written request to Equifax or any credit bureau requesting a fraud alert to be added to my file.
I have never verbally requested or authorized Equifax to add a fraud alert to my credit file.
<P/>
I have had to have this discussion with them 3+ times and each time I can only speak with the Consumer Affairs department in which I feel they placed my file   there because of my complaints about their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Was current on Mortgage . Husband lost job and making payments was getting difficult. Company said in order to apply for modification, I had to be behind on payments. Skipped one payment, then applied and was approved for a loan modification. Successfully completed Trial Plan Payments, and at end of the trial period, mortgage company refuses to complete the offered modification. They are now trying to foreclose.

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 2017-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in the  Commonwealth o f Massachusetts. In addition, the account balance in question was a corporate account with Bank of America that was settled through  XXXX  of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known as  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  realize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with Bank of America back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  XXXX   XXXX   XXXX   XXXX   XXXX  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not only   XXXX   XXXX   XXXX   XXXX  , but by Bank of America as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  XXXX   XXXX   XXXX   XXXX   XXXX  is in strict violation of my rights under the Fair Debt Collection Practices Act an d Commonwealth of Massachusetts General Law.

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 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
After a year of help from a non profit organization I was filially giving a modification on my montage, after all three trial mod payments were made in a timely fashion the bank denied the modification. There reason was lack of paper work despite serval communications that we had wi th the mortgage specialist. I am putting in a complaint because I feel I did everything they asked of me and was  still denied

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 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We had some financial issues in XX/XX/XXXX and had to file bankruptcy. We had reaffirmed our home and had all payments caught up by XX/XX/XXXX. In XX/XX/XXXX CitiMortgage sent a statement indicating that we were still 1 month behind on our mortgage. I had contacted them by phone beginning that same month about the situation and they assured me that they had found the mistake and would correct it. Several months passed and every month I had the same discussion with them about the missing payment. I had finally sent them documentation by fax, email and certified mail showing that the payment had cleared my account and nothing was ever settled. I fell behind again in XX/XX/XXXX and by XX/XX/XXXX, I called to catch the payment up but the mortgage company would not except payment over the phone. On XX/XX/XXXX I mailed 3 payments to CitiMortgage. They sent the checks back to me stating that they received the checks on XX/XX/XXXX and my account was referred to the foreclosure lawyers on XX/XX/XXXX. I then asked them the amount that needed to be paid to stop foreclosure and reinstate my loan and they could not tell me at that time and that I would need to contact the foreclosure attorneys. I then contacted the attorneys on XX/XX/XXXX by phone and was told that they would have to review my case and it would 3 to 5 days to send me a reinstatement amount. I received an email from the attorneys on XX/XX/XXXX providing me with the reinstatement amount including several charges that I disputed. I sent a letter by mail and fax disputing the charges. I never received a response so on XX/XX/XXXX I wired the money in the reinstatement quote as instructed to the attorneys account to meet the deadline and stop foreclosure proceedings. I have attached some of the correspondence requesting information. <P/>Thank You, XXXX 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
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: SD

Complaint narrative:
In   XX/XX/XXXX  m y Bankruptcy was  discharged  in th e Federal Court in    XXXX   XXXX . Included in the bankruptcy was a mortgage on a piece of property located in  XXXX ,   XXXX   which we did not retain. The Mortgage compan y (   XXXX   XXXX   ) file d for foreclosure in  XX/XX/XXXX , the district court in  XXXX ,   XXXX   dismissed the case finding the Mortgage company had engaged in illegal lending practices. In   XX/XX/XXXX     XXXX   XXXX   sold the mortgage to  Shellpoint  Mortgage company, this this point to date Shellpoint continued calling me and sending me letters stating that I owed them this money, I explained that this was  discharged  in bankruptcy and request that they do not contact me on this no longer, They have called me no less t hen 30  times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Today I got an email saying that {$30.00} was debited from my bank account using my debit card by a company Called Choice Recovery in XXXX, Ohio. The email said it was for a purchase. I never gave them permission to take that money and I looked at my credit report and they are not even on it as a debt I owe. I have no idea why they took my money. I want my money back. I have no idea what this is about.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation