vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I called TD Bank retail services to explain to them my issues with financial hardship. I asked them if they could please work with me and they offered me the run around. Claiming that if I explained my issue to Raymour and Flanagan then they could help.

I knew that didnt make any sense but I figure I would try.

Of course XXXX XXXX XXXX  sent me back to them. Now theyre telling me that even if I cant pay that its my fault for signing up for a contract that I couldnt stick to. 

I said my contract is 3 years long, were in the middle of a pandemic-things happen. 
Then she said that there are no programs for hardship. 

How is it that a major bank like TD has nothing for hardship? Without their consumers they are nothing yet they wont work with us. 

Please help me before they report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card to pay for XXXX which was refunded to me by XXXX when we got robbed, I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. I have made several calls using my US phone which cost me a lot of money with roaming and I also called using a local number. I spoke with a gentleman that told me that this will get resolved and till now they have not sent me any documents and no refunds, and all the calls I made was to let them know about the situation, I spoke with at least 7 agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I will attach every document pertinent to my dispute and as soon as I got back in the country I went to the local branch to pick up my debit card that was stolen because they never even sent me one at my house. However, the branch manager was so nice and she told me if I didn't get this result asap come to her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I noticed outstanding debts on my credit report and immediately contacted the company. I wanted to get a statement, and to pay the debt online. The agent refused to give me the information to get into the account online and repeatedly tried to bully me into paying the debt over the phone without a 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 2022-01-26 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
In 2020 I purchased a new car through Kia Motors Finance. XXXX weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that Kia Finance listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with XXXX and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It has been brought to my attention that XXXX has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It has been brought to my attention that XXXX has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I received and email from : Southwest Recovery Services XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Stating that they were collecting a debt. That I owed them {$600.00}. 

I responded immediately that I didnt recognize the debt and to provide verification of what its for and how did they arrive at the amount of the debt. 

Shortly after this company place XXXX separate accounts on my credit report. 

I filed requests for investigation with the credit bureaus. In XX/XX/2021, the bureaus just closed the investigation saying the company verified the collection. I still havent received any documentation of these accounts. I dont know how/what information was verified or how. I know there is no way that I owe both of these collections without recall.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Under the Fair Credit Reporting Act 15 USC 1681a under exclusion b, anything that was extended or authorized from a credit card should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
I disputed a charge from XX/XX/21 from XXXX on this card. This company and its associated airline are a fraud and American Express is enabling them : They changed my flight time to 12 hours later and then changed it to 24 hours later the next day. I tried several times to call the airline customer support to get a refund before the day of flight and they either never answered the phone or pretended not to hear me and hung up. XXXX was the same. Neither had an email address, just phone # s. I then went to the airport and I was told the flight was cancelled ( confirmed by the attached email I received ) but they could not refund my ticket and I would have to call the non-functional customer service! This is a scam. In XXXX XXXX 's terms it states I can get a refund for cancellations clearly. I had to take a more expensive flight the same day because it was impossible dealing with these two companies. It's really shocking how poorly American Express treats members of its most expensive platinum card. I will be cancelling this if the situation is not corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My target red card that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I specifically signed up for the Marriott XXXX credit Card with Chase for the advertised offer. The offer was spend {$3000.00} in 3 months and receive free XXXX nights worth XXXX points a night or XXXX total points. When I received the card, I had to spend {$5000.00} in 3 months and only receive XXXX points. I called to have them honor offer and spoke with their Supervisor XXXX. She advised there was nothing she could do since the card was opened with the offer shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NH

Complaint narrative:
In XXXX of XXXX we paid off the balance on our Hyundai Finance loan for a car purchased in XXXX. In XX/XX/XXXX, due to a failed automatic payment from our bank, we paid an additional {$700.00} to Hyundai Finance. We contacted Hyundai in late XXXX to inform them of the problem. We were told a check would be sent to us and to expect it in up to 3 weeks. The check never arrived and we called Hyundai again the week of XX/XX/XXXX to indicate the check had not been received. The new agents seemed to indicate no check had ever been sent. Hyundai now insists a check has been sent to us, but as of XX/XX/XXXX, no check has been received.

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 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. XXXX XXXX XXXXXXXX. {$6800.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I had fraud on my bank account and stated this to the company every day, they called me every single day and I always answered I am at work and they decided to call there when I didnt pick up One day but I he called back w in an hour Ive been written up for being on phone during business hours as I stated that to them I cant get money back from bank until my investigation is done, I have let them know multiple times they started then calling me and my work daily then they called at XXXX XXXX XXXX and they call no caller id after hours and weekends I called back yet again and they keep saying I havent been in communication they want an update daily but Im at the mercy of my fraud and its not quick thing to Solve and I have let them know this then she threatened to File suit on me they have harassed me jeopardized my job as well at my mental Health and I had to go see a doctor for suicidal for the threats of suit and phone calls to Myself and work and now costing me My Job

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
My XXXX XXXX XXXX  that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
When I purchased my vehicle it was converted from a lease through the dealership to a loan through US Bank. At that time, they sent me paperwork to transfer the the title and a check to cover the taxes. That paperwork at that time would have moved the title holder from XXXX to US Bank. This occurred in XXXX, the entire issue started due to the DMV being shut down in California/COVID protocols ... I could not make a appointment to transfer the title as everything was exclusively being handled online and you could not make payment via the Internet with a physically check. I repeatedly called US Bank and offered different scenarios for resolution ( connect to my PC and submit payment, web address for them to direct pay, send me a check in my name and I will pay ) but each time it was denied. US Bank asked after 90 days if I was unable to secure a date in person with the DMV to send the title and check back to them, which is what I did. Fast forward to XXXX, I pay off my loan ( vehicle now legally mine ) and I call to inquire about the timing of my title, they tell me wait 10 days and it will arrive, it never does. I call back XXXX and they tell me that they lost the title and they are not sure what they are going to do, ultimately US Bank escalates it a Division of theirs call XXXX which handles these types of issues. At this point US Bank sends me paperwork that I must get notarized at my expense to move the title from the original dealer to US Bank, from there they will handle the rest ( I have the documents if needed ), so I do and send them back. I am then told that they can bi-pass all that and send me new paperwork and and a check to move it directly into my name. The issues as it stands now, the DMV has imposed late penalties because US Bank did not properly transfer the title into their possession and US Bank no longer is willing to acknowledge my emails, calls or request to address this. 
Open issues are : Vehicle purchased in XXXX- still do not have my title. 
{$650.00} difference from what the DMV is requesting and what US Bank check is. 
I am unable to register my vehicle ( due in XXXX ) as they have a lean on my car. 
I have 43 attempts at contact with US Bank, no resolution.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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