vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP
State: MN

Complaint narrative:
I have been trying to fix my credit file and during the process I have made several payment arrangements and settlements with various lenders. I am in dire financial hardship, I have had a job loss as well as a bankruptcy and I am also on XXXX XXXX, making all of my wages and earnings exempt from garnishments. However I have managed to pay everything off except for an unknown account in collections which is listed as XXXX XXXX XXXX. 

This debt collector remains to continually harass me and has recently acquired lawyers to attempt to sue me at Rodenburg Law Firm, specifically XXXX XXXX who has signed all paperwork. I have asked repeatedly for information regarding this account as it may have been included in my bankruptcy or it may have been created in fraud. They have repeatedly threatened me by sating that if I request validation, they will sue me. I have even made 3 attempts in the last year to get this paid by settlement and they do not respond. 

Recently they sent a " Summons for Judgement '' in which I responded to right away however they failed to file the case in XXXX County even after it has been over a week since they served me. This is just yet another way that this company continues to intimidate me into paying something which they know I have been disputing now for over a year. 

I also question if this law firm even has a Minnesota Licence to practice in Minnesota. Do they even have any ownership to this debt? All address on this law firm 's website only show a ND address. The alleged credit card " XXXX XXXX XXXX  '' also does not appear anywhere on my credit report either. 

This feels like fraud and looks like fraud and I am confident that it is fraudulent, I have worked with too many collection agencies ( unfortunately ) and they are normally happy to set up pay arrangements or settle accounts -- -This Company only wants to intimidate me and disclose as little as possible, First attachment is confirmation that I have sent letters to this company - who sometimes calls them self Resurgent? -- Letters were sent XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX. 
( the letter confirmation to XXXX XXXX is not included in this complaint ) 2nd Attachment -- Copy of the letter I sent. This was basically the same letter sent 3 times, explaining that I do not know what this account is but I am seeking resolution. 

3rd Attachment -- Response that I received ( threatening to Sue me, no validation, no resolution ) 4rth attachment -- Finally the summons of judgement that I was " served '' with even though there has been no case filed in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
I am a new homeowner who has had my mortgage for almost 2 years. Amerihome mortgage company has gotten my tax payments incorrect for the last 2 years. I recently refinanced because they were unable to correct the issue which resulted in them issuing me an overpayment in escrow and the city was overpaid taxes which resulted in them issuing me a check for over XXXX. This year the same problem is occurring I have sent them 5 copies of what my tax bill should be for 2021. I have emailed the escrow team on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time they ask me for the same information that has been provided because they have my 2021 tax payment being over {$6000.00} this has resulted in my mortgage payment being well over the amount I refinanced at. With multiple calls they are unable to correct the issue and I worried that the issue will result in me needing to refinance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: USCB Corporation
State: NY

Complaint narrative:
On XX/XX/2016 XXXX  XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to USCB Corporation and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
While on vacation I had to visit an out of XXXX XXXX XXXX XXXX XXXX, ID because I needed an XXXX. It was a work related injury so all hospital bills went to XXXX  XXXX XXXX XXXX XXXX. The imaging department of the hospital made a mistake and incorrectly billed me for {$140.00}. I called the hospital and gave them the phone number, case number, and claim representative. I never heard from them again until I received a notice in the mail followed up by a call from the debt collection company Chapman Financial Services , Inc. Once again, I explained the situation and gave the person on the phone all of the relevant information. She seemed fine with the information provided and months went by with no notice. I thought everything was taken care of and I never received another communication regarding the matter. However, recently I purchased a car and noticed that Chapman Financial Services , Inc. put a " collections '' notification on my credit report. I called them and let them know that this was a XXXX XXXX XXXX XXXX XXXX bill and that it did not belong to me. They said they were unable to get a hold of my claim agent and so the debt therefore belonged to me. They refused to look into it further and said my credit would be damaged unless I paid. I have never made a late payment in my life, so I was scared and paid them to make it go away. This isn't fair because it isn't my debt and I did nothing wrong!

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 2020-11-01 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: Goal Structured Solutions, LLC
State: AZ

Complaint narrative:
I have paid in full debt with launch servicing. They bought out the loan so it showed two different accounts then I paid in full. Call the company. Since no one will do it. Cause I disputed it and u guys it stand. I called the company and they said its paid. U guys are not looking into the dispute. I disputed it more than once I will take further action if the correction is not made.

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 2020-11-01 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/2020 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
As of today XX/XX/2020 my Chime Checking account is down for the second time this week. Down meaning the App will not work to show me my balance or recent transactions, the funds are not available at all, debit card purchases are down, transfers are down, ATMs are down. Can't access any of my money for the 2nd time this week. It happens at least 1x a month now. Our regulators are just allowing this to happen repeatedly. When was the last time you heard of XXXX  XXXX XXXX or XXXX XXXX  going down for 8 hours? The government would make sure that never happened again because of all the issues it would cause. This is unacceptable. I am going to move my money to somewhere besides Chime but I am concerned about other people who may not be able to do so. Something needs to be done to ensure Chime can't continue to do this to people and affect our lives this way. Totally unacceptable to have a bank system completely crash 1x a month, or in this case, twice this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several letters to Equifax regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. Equifax has failed to " Verify ''! Equifax has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is what I sent Lowes I recently picked up order XXXX ( which wasnt ready for about a week but Im not going there ) when I got there everyone was in a rush trying to get the order together because no one started it. Through the rush I never received the paperwork. 
I just got my credit card statement and was charged incorrectly. The material on the order was supposed to be free. Please see the attached pictures showing the order and confirming. 

I called the store they said it was a glitch I called cc company back in XXXX and every two weeks since. Today the credit card stated theres nothing they can do XXXX today when I called to follow up ) Lowes charged me XXXX for Material that was supposed to be free. I have pictures showing that. I could have gotten better grade material for less than 1/2 of the price

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 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.

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 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I did a chat with an Aspire Representative on their website today XX/XX/2020 after making a payment. I chatted with XXXX. At XXXX XXXX  I requested to have my monthly fee waived on {$12.00} due to Covid-19 pandemic and that I am unemployed due to the pandemic. XXXX immediately responds back at XXXX that my request was denied and does not provide me any reasons. I have a good payment history and no of that was even viewed or taken into account. Due to me being unemployed I am working hard to pay off my Aspire balance and having a {$12.00} fee assessed monthly during a pandemic is INSANE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I was sent a letter in the mail by Jefferson Capital concerning a debt originally from XXXX XXXX XXXX XXXX. Upon further research this account was transferred/sold to Jefferson Capital and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On or about XX/XX/2019 my AMEX card was scammed by individuals working as independent contractors for several businesses in XXXX, TX. My wife, an authorized cardholder on the account, notified AMEX of suspicious and out of pattern behavior which included police notification at the time. AMEX noted the information but refused to cancel the card. AMEX has consistently refused to provide any reason pursuant to law or internal policies to justify why the request was minimized or ignored. Their published Security and Safety policy contradicts this. Ultimately the individuals who failed to identify themselves as agents of these businesses succeeded in authorizing the card for XXXX dollars in a 36 hour period. Furthermore, the card limit of XXXX dollars was exceeded by XXXX before the card was shut down. The individuals also lifted the information fraudulently from one of the businesses in question and purchased goods online exceeding XXXX dollars. AMEX has refused to provide information as to why the decision was made to allow the card to remain active or why the card was allowed to reach 150 % of it's limit. I have been adversely affected in every area of my life and my previous credit score that was around 800 has dropped roughly 150 points due to this activity. I feel this is a misrepresentation of their Security Policy as well as the stated card limit. Their failure to take the risk seriously although being advised by an authorized cardholder in conjunction with allowing the card to exceed it's limit when I do not have a pattern of such purchases is a complete failure of reasonable security measures independent of the circumstances surrounding the scammers actions. They have refused to even provide the account number, demonstrating intentional acts to deny me the ability to assemble a defense for the activity. The charges make no sense to any reasonable person and I feel AMEX is covering up their own internal security failures. Their cardholder profile allowed the charges to run, by the time they implemented any measures, massive damage was done, the intent of the scammers. This is not actions any reasonable person would define as appropriate and I will not pay the amount because a supervisor made a poor judgment call. 

The charges for XXXX XXXX involve individuals connected to organized crime who threatened to blackmail me, threatened me if I disputed charges, and threatened my family with violence. I will not pay these charges, full stop, period. AMEX has all the paperwork and reports and the scammers on audiotape.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I had a unauthorized fraud alert was added to my experian without my consent i never reported any type of identity theft or anything not only a regular alert an extended 7 year alert. I have tried for over 6 months to fix this i have mailed and emailed all the information they have requested to no avail. I am unable to speak to a live representative on the phone I have been unable to add my phone number to my credit report I have had problems obtaining credit because of this but they continue to put inquires that lower my credit score but I keep getting 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 non-monetary relief
Consumer complaint received 2020-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent Equifax a letter to dispute an invalid account and multiple invalid inquiries being reported on my account. USPS confirmation shows Equifax received the letter XX/XX/2020. It has been 30 days and I have not received any correspondence related to this dispute. Equifax 's failure to respond to my letter and investigate these invalid items on my report are cause damage to my profile resulting in credit denials, higher interest rate and damage to my reputation. I have attached a copy of the XX/XX/2020 letter sent and a 30 day non response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On the week of the XX/XX/2020, I received information that my credit union, XXXX XXXX XXXX XXXX, would be merging with XXXX XXXX on XX/XX/2020. Included in that information was my new debit card -- I would later be informed that 40 checks and a guide for switching over should have been included, but they were not. 

On Friday the XX/XX/2020, after exhausting available options -- registering my new debit card online and in the ATM -- I went to a branch of School 's, now XXXX XXXX, to talk to a teller directly. My debit card was going to expire, and I would be cut off from all access to my bank. The teller discovered I had not received the transition information, and printed this out in person. I asked what would occur on the XXXX of XXXX, since he refused to authorize the new debit card, and my old one would expire -- he explained that the card itself would continue to work until the new card was authorized, and confirmed this with his branch manager ( lies told by employees, myself and dozens of other users in the thread we started have discovered ). Assured, I received my new member information and went home. 

I followed the instructions on the sheet to set up my account before the switch ; not only did the website deny I was a member, many of the links were not working. I discovered that the website and all their banking systems would go offline on Sunday, the First, when my bills were due. I watched in horror as a stream of declined card notifications rolled in, and when I started asking around, I realized I was not alone. I had to get someone else to pay my phone bill, just so I could call around, but all the bank 's phone lines are down as well. Someone was even trapped at a gas station ; this is unacceptable. No bank or credit union should be allowed to be this incompetent, cut hundreds if not thousands off from their money, maintain radio silence, and pick the worst possible date to do so. They should also not be allowed to lie to me and others as they had -- they're a credit union, not a XXXX XXXX. This is something they've handled terribly and I want some scrutiny and someone looking into this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation