vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: USCB, Inc.
State: CA

Complaint narrative:
USCB America is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt, I called and paid it immediately. I was very confused about this debt because I had no idea it even existed. I never received any calls, notices, or letters about this debt which violates my 30 day right to dispute. Not only did they fail to notify me for one of the debts but TWO. How does this happen? After paying and giving them some time to update I check my credit again to find that the debt is still being reported. This is ridiculous!!! I don't understand how this company can add these items to my credit without notifying me and continue to report debt when I have paid them. This is erroneous and ridiculous. I need this removed from my credit file IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX  for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX  complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
There is a medical bill that was added to my credit report that I never received notice that money was due. I was not made aware of this until it hit my credit. I want this removed off my report. Once I was made aware of the collection I paid it right away had they sent me a bill or statement it would have been paid then. I want this off now RSI Enterprises-RSIMD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I open an account in early XXXX under promotional terms for {$300.00} and fulfilled them. 

I waited a month and called to see why I didn't receive the promotional bonus and was told I was never allowed to because I wasn't a 'new customer ' citing a previous account I had closed more than 5 months prior. I pointed out that I satisfied the 3 obligations in the fine print - not a current signer, no closed account within 90 days, and haven't been paid a bonus in last 12 months. 

Then I was told that because I missed that previous promotion I wouldn't be able to participate in the current one - valid from XXXX to XX/XX/31. 

Although I disagreed with the customer service representative and asked for another person to review my account, she said that is the final.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I signed up for a new credit card in XXXX of 2020 in which I was to receive 3 points for every XXXX  spent up to {$10000.00} or one year. I noticed that I have only been receiving 1.5 points instead of the 3 points. I contacted HSBC via online chat. I talked to a representative for over an hour. She said I wouldn't receive XXXX points until after I spent {$10000.00} which was incorrect. I called the XXXX number only to be stuck in automated black hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: ID Analytics, Inc.
State: GA

Complaint narrative:
please remove my extended fraud alert and consumer statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
please remove my fraud alert and consumer statement.

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 2020-11-05 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:
please remove my fraud alert and consumer statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto Finance is reporting erroneous lates on my credit file. I received a late on XX/XX/20 by accident and after this I went to their office and gave them the information to auto draft my payment. I made it so this payment would be drafted a week before the due date to avoid any issues happening. When I checked my credit file and noticed a late for XX/XX/20 I was absolutely furious. To begin, this late was not reported until a few days ago, how? I was not made aware of this late payment, never received any calls notices or letters about this late. My next months payment was auto drafted with no issue. I never had to call and make arrangements for the missed payment. This just doesn't make sense. They had all the information and authorization to draft my payments. This was a mistake by them. If it was actually late they would have had to call me to recover that late payment but they didn't, they just drafted the next months payment. I'm not sure what is going on over there but I need this fixed ASAP. Its is erroneous. I was NOT late on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
Good Afternoon, I am filing a complaint against Equifax and with the CFPB! Yes I totally understand that due to COVID-19 that the Credit Bureaus has been behind but a FAILURE to respond to any disputes is right out against the Fair Credit Reporting Act and Equifax is the worse. By Law they are still responsible for responding to any and all disputes submitted to them and the CFPB are not even holding them accountable ... I know that I am not the only person who's complaining about the Credit Bureaus not handling their jobs.. I have sent several letters on these erroneous inquires and not once has Equifax ever did their job or responded to me ... I am requesting immediate action here. 

XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 I am requesting that Equifax do their jobs immediately ... this is going on for long enough that they are failing to respond to any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: LEXISNEXIS
State: GA

Complaint narrative:
please remove my extended fraud alert and consumer statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CBC Companies, Inc.
State: GA

Complaint narrative:
please remove my extended fraud alert and consumer statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I submitted financials and request for mortgage assistance with my Chase my mortgage company. Chase was processing my request for mortgage assistance when my home was sold at a property auction. I read when the Loss Mitigation dept. is processing a request for mortgage assistance the foreclosure sale is to be put on hold until the homeowner receives a denial from the mortgage company. Also the homeowner is given 30 days and a opportunity to appeal denial for mortgage assistance. I do not want to lose my home. I am requesting this wrongful foreclosure be undone, I feel I was discriminated against because of being elderly and a XXXX man. Chase has been unwilling to assist me with saving my home they are rude and not caring. 
I need Help, Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: MO

Complaint narrative:
I am getting text messages from MRS Associates saying that they are collecting a debt from XXXX. I keep reporting them as spam and blocking the number, but they continue to text from different numbers. I am not aware of any debt with XXXX. If this debt is legitimate, I have not received any written notification. I have called the company and told them to remove me from their list, but I continue to get texts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
In XXXX, was pre-approved for an AMEX cash card based upon an offer of {$150.00} statement credit if {$1000.00} was spent in the first three months. I agreed to these terms, and after charging the {$1000.00} in the first month, I inquired about the statement credit and the rep told me that it would be credited after 3 billing cycles. Last week, after still not receiving the credit, I was told by another rep that my inquiry would be escalated. Today a supervisor told me that I did not qualify for the credit for unexplained non-specific reasons such as having too many AMEX cards ( I have only 2 current cards ) and that somehow I agreed to waive the credit when I applied for the card! This is patently untrue. AMEX has cheated me out of my earned credit. Please escalate this .to a Manager, which the supervisor " XXXX '' refused to do today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received notice of a debt collection from Credit Collection Services for {$120.00}. I responded with a certified letter asking for debt validation and their legal right to collect on this debt. CCS responded on XX/XX/2020 with a health insurance form. The information on the form was typed and does not have my signature or anything consenting to a service. The item has been placed on credit without any resolution or debt validation. 
I called CCS on XX/XX/2020 and spoke with XXXX XXXX and she said that the company works for XXXX XXXX and if I had a problem with what was provided I am to call XXXX XXXX She also stated that they can not provide any legal notices to collect this debt bc they work for XXXX  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC
State: NJ

Complaint narrative:
Financial Freedom Mortgage of XXXX XXXX NJ will continue call and solicited me over a year after I asked them to stop calling me. I ask on each phone call to for them to stop calling and they say they will but a few weeks later I get a call again from them. They got my information from XXXX in XXXX of 2019 and I seriously regret completing that application. I was harassed by over a dozen lenders and all stopped calling me when I asked them to stop except Financial Freedom Mortgage NMLS # XXXX. They are an abusive company that doesn't care about me or what is best for me, all they want to do it make a quick buck from their consumers. The are the reason many lenders have a bad sigma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
HI, my name is XXXX XXXX and I had my mortgage moved from Rushmore Loan Services to XXXX XXXX  XXXX  in XXXX of this year. Rushmore owed me {$1100.00} for the balance of my escrow. They sent me a check a month later, and it bounced. I have called the company 5 times, send 5 messages on the secure message center ( marked as received and read by the company ) and the issue is not being resolved at all. 
The first two times I called in XXXX the associates told me " check is in the mail '' and the other 3 they tell me they will look into it then no-one gets back to me. Another associate told me they " read '' problem resolved. I finally called again on XXXX and the associate told me she saw nothing on the site and would get back to me in one day ( never did ). This has really been a terrible company to deal with over the last 4 years and I believe they have no intention to pay me what they owe after the check bounced. I don't know what to do. Thank you for your help. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I disputed a fraudulent Capitol One account off of my credit report and its stopping me from opening another account. I have no debt. I dont know if im flagged in the system but whatever is stopping me from opening an account because a previous one was fraudulent needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I sent a cease and desist letter to Columbia Debt Recovery DBA Genesis indicating that the debt was fraudulent and had not lived at the property for over three years. They continued to contact me after the face via email. They have threatened to use any information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I received a letter from a company claiming to be " Fortiva XXXX XXXX '' - it was addressed to " dear applicant '' and said the below information was needed to process my application ( which I did not make ) : A copy of social security card An original pay stub or copy of most recent tax return an original utility bill. 

The address for return of the information is : Fortiva XXXX XXXX ; XXXX. XXXX XXXX, XXXX, GA XXXX. 

I looked this up and there is a website " XXXX '' which lists this website. 

Either the cite and the company is fraudulent or someone tried to open an account in my name - either way, I wanted to report and bring to your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been receiving bills from XXXX  XXXX XXXX XXXX XXXX. After several attempts to pay with an XXXX they would deny the payment, so after a few months of this and trying to reach their billing department with no success, I started making payments. Then I started receiving 3 bills with the same account number for 3 entirely different amounts and none of those every reflected my payments. To this day I have paid over {$400.00} dollars that is not reflected on any of the bills. After 31 calls to the billing department to set up a payment schedule and to find out the discrepancies in the bill, I have never received a call back or spoke to anyone due to the billing office does not answer, you have to leave a message. On 4 separate occasions I called the appointment desk and asked for help since I was not getting to speak to anyone. The person that answered stated they couldnt help me but they would send an email to a lady named XXXX that was the head of billing and she would call me, still has not happened! On approximately XX/XX/XXXX I received a bill from Capital Collection agency for this company in the amount of {$690.00} when the original bill was for {$670.00}. First of all the lady that spoke to me from their front desk acknowledged the payments that we received but those were never noted on the bills. I have worked diligently to fix my credit after a divorce from years ago, now doing the right thing I still get sent to collections because no one at their billing department will talk to you! Where did my payments go to?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
The communication tactics by XXXX XXXX representatives were obscene and abusive. I called to make a payment over the phone and I was told that my attempted payment amount was absurd and that I should get a job and stop being lazy, among other hurtful language. To top it off, The representative, XXXX, told me that my feelings dont matter to the world and I was better off not in it. This is all during the COVID-19 pandemic and it has been very difficult to find work anywhere while keeping my spirits up. I am also a future XXXX XXXX XXXX who will soon be in a position to protect and serve my country. It pains me to receive this type of verbal abuse knowing I will be protecting this kind of behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My accounted for the late transactions I reported it they did an investigation and I received my money back due to a global scam I was told that my account was affected but the customer service agent was supposed to help me get situated she said that she got it escalate it to be fixed in my account should reflect my correct balance in a few days it has been two weeks

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