vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DSW Carolina, LLC d/b/a Resource Services
State: SC

Complaint narrative:
On XX/XX/2021 I received a text message from XXXX stating " XXXX, Please call XXXX XXXX at XXXX. It is important. This is a no reply box. '' I received this text while I was at work. XXXX XXXX also called my wife to get in contact with me while she was work. My called him back to why he was calling and found out that he was Former SC Solicitor XXXX XXXX trying to collect a debt from me on behalf of XXXX stating that I owe {$4400.00} them. My wife told them not to contact us by calling or texting us by phone and that they can only reach us by mail. XXXX XXXX and his associates at Resource Services in XXXX, SC has still continued to call and text us through their automated systems from multiple numbers even after my wife told him to contact us by mail and he left a Voicemail on my wife 's cellphone on XX/XX/2021 urging me to call him back. On XX/XX/2021 I received a letter from Resource Services that threatens to possibly garnish my wages, issue a judgement or possibly place a lien on any personal property if I did not respond with 72 hours. I sent them a letter on XX/XX/2021 asking to prove the following : Please attach copies of following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears my physical signature where I promised to pay the original creditor.

3. Proof that you have the right to collect this debt in my state.

4. Proof that your company carries a bond.

5. Proof of how your company assessed the outstanding debt.

6. Complete payment history on this account, to prove that the amount that you wish to collect is accurate 7. Do you own this debt or is this debt assigned?

8. Prove the Statute of Limitations has not expired on this account.

9. Copies of all letters sent to me from you and the original creditor.

10. How much did you buy the debt for? 
On XX/XX/2021 I received their response and saw that they did provide me the information I asked for. They sent me a copy of the membership agreement with falsified Retail Contract that had a pixelated signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
On XX/XX/2020 I booked a flight to XXXX to take place in XXXX. The total price for the flights was {$2400.00}. When it became clear that this flight was not going to happen I called XXXX XXXX and asked if I could cancel my flight since it had already been rescheduled to a different time which opened up the ability of the ticket to be refunded. The agent on the phone told me that this was fine and to find the hidden area on their website to do this. The website kept changing back to XXXX every time that I went to a new menu and was intentionally difficult to apply for a refund. Desipite this, I applied for a refund for all of the flights that I booked. Months passed and I never received one dollar from them. I then disputed the charge with AMEX in XXXX. They denied my dispute and did not provide a reason why. I then contacted the Department of Transportation. The DOT responded to my inquiry and XXXX  responded to my complaint that they were trying to refund the money but couldnt because of an open dispute. There was no open dispute. Weeks went by with no resolution. I then reopened again XX/XX/XXXX the dispute with AMEX showing them the email proof that XXXX  airlines agreed to refund. I was denied again. I now have no money and no credit and the flight never happened. I am out the full {$2400.00}. Thank you for reading this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be 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 2021-06-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be 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 non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
I used this physical therapy in XXXX my insurance paid partial I paid the rest. On XX/XX/XXXX I received a negative report on credit report I called the agent she told me it for physical therapy. That I paid of three years ago. It affected my credit by XXXX points. I physical therapy they said the amount owed was XXXX and the collector told me the amount was XXXX because I had a collection fee. I feel this incorrect. They had all the wrong information. Never received emails phone calls or mail from either party. The rep from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ct XXXX phone numbe ( XXXX XXXX XXXX told me I couldnt pay with card I had to give her a check over the phone to have it removed from my credit report. Then she changed and said it would be paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MO

Complaint narrative:
I contacted Hunter Warfield to try to get some documents on a debt they said I owe. The gentleman said I do not have the right to dispute the debt and refused to send me any information.

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 2021-06-04 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: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was negative {$14.00} on XXXX at XXXX XXXX ca time zone there were not any pending charges on my bank account. My boss sent me my paycheck XXXX at XXXX XXXX When I checked my account yesterday before XXXX my account was not negative and they pushed my XXXX deposit as of today and not yesterday I have used XXXX 100s of times the funds are available to use right away and I shouldnt of had an overdraft fee They new there was pending deposit they didnt let reflect on my account so I could get overdraft my sister XXXX XXXX seen my bank statement yesterday and she sent me the {$10.00} so I have a witness thats willing to states under oath there where no pending charge on my statement the only time I see the chargers where today and the computer posted them as yesterday when they should have posted today because it didnt reflect on my account how can someone keep there account balance form negative if there hiding your pending transactions thats fraudulently Either there computer glitch or there programming it to hide pending transactions so you can get overdraft todays pending transactions went through right away no issues but not the ones form yesterday and the only difference is my account has money in it today and not yesterday morning I was also told by an employee today they are having IT problems there systems is down that could be on of the reason there computer glitches on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2021 Bluebird American Express allowed to fraudulent charges to process on my account in the amount of {$1300.00} and {$880.00} and they refuse to refund my money. I received an email that charges were attempting on my account and that I added someone to my account and to contact them if that was an error. I contacted the company but they still allowed the charges to proceed. It seems like an internal theft, because typically this card puts a hold on your account until you call in and confirm the charge but for these charges they allowed them to process. I have requested the documents they used to make the determination not to refund my {$2300.00} but this is theft. I am behind on bills and this has hurt me and my kids. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax says Social Security number is linked to fathers name and date of birth unable to upload documents on website- faxed in and they keep saying it has not been received after two weeks unable to close on house loan will be homeless due to their negligence in their resolution and reporting status of credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
Lockhart, Morris and Montgomery placed a collection on my credit report for a balance due of {$92.00} from XXXX XXXX XXXX XXXX. This company has never reached out to me about this debt. I was actually sent a refund for the account in question, so there isn't anyway I have a balance due. Refund was {$150.00}. It is unfair and damaging for this company do be able to report something on a credit report that is not actually due. Please investigate this. Debt collector would not verify any of my info and said they sent me several letters, although they could not tell me when those letters were sent. 

I work very hard to keep my credit good and up to date, fraudulent instances like this hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I WOULD LIKE ALL FRAUD ACCOUNTS AND INQUIRIES 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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
Purchased a vehicle thru Credit Acceptance, Payments on the XXXX of the month, once i found this out I called them and told them I need payments on the XXXX of the month. They refused the change of date. I found out several months later that they were charging me late fees every month. Called and spoke again with them about the late fees and they told me to add in the late fee each month in which I did, after a few months they demanded the payments be made of the back fees plus keep my payments up. I told them I could not afford to send them XXXX dollars in late fees plus the monthly payments. They said turn the vehicle in and I did as they asked. Now my credit report states that I owe what I paid for the car after 2 years of payments. They are a preditor company, they would not work with me at all. All I expect is the truth in the report.

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 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I paid this account, and when I did Credit Collection Services promised they would delete it from my credit. Their own online disclosure stated the account would be deleted. It is still on my credit as a {$0.00} collection account, which is not what CCS promised at all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I was in a Forbearance Program with my mortgage servicing company, Rushmore Home Loan Services Corp. for XXXX, XXXX and XX/XX/XXXX. I have paid Rushmore Home Loan Services on time and the full monthly mortgage amount from XX/XX/XXXX through XX/XX/XXXX - eight ( 8 ) full months, which included the payments for the forbearance months of XXXX, XXXX and XX/XX/XXXX. On or about XX/XX/XXXX, Rushmore transferred my loan to XXXX XXXX XXXX. I made my XX/XX/XXXX mortgage payment with the new XXXX XXXX XXXX. 

After numerous requests via phone to customer services, and a written request sent to them in XX/XX/XXXX, which they acknowledge receipt of ( attached ), Rushmore has still not correctly reported the eight full payments made on time to the three Credit reporting bureaus - XXXX, XXXX and XXXX. I am requesting that the reports be properly updated. At this time, Rushmore no longer services my mortgage, and I believe they just don't care. Attached is Rushmore 's acknowledgment off my request for credit reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
ERC, as well as as XXXX  XXXX are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

This double-dipping in credit reporting has had a significant, negative impact on my CBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
WHERE IS MY REPLACEMENT CHECK FOR THE ONE YOU ILLEGALLY STOPPED PAYMENT ON???? YOU STILL OWE ME THE MONEY PLUS THE {$15.00} MY BANK CHARGED ME FOR YOUR BOGUS CHECK!!!! WHY HAVEN'T I GOTTEN THE EMAIL I REQUESTED???? DO THE ROBOTS NOT KNOW HOW TO TYPE EMAILS???? I DON'T WANT THEM CALLING ME EITHER!!!! SCAMMERS AND THIEVES!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank is holding up our 'Residential Subordination Agreement Request ', Please help! 

We Completed the form and provided payment back on XX/XX/XXXX, to obtain from TD Bank a 'Subordination Agreement Request '. We are trying to re-finance our current 1st Mortgage and need TD to complete this subordination agreement to remain in second position. 

TD Bank mentions this process should only take approximately 30 days, and we are here today more than 60 days later with no news from TD Bank, and no means to reach out to them. 

Can TD Bank provides an update on our 'Residential Subordination Agreement Request '? 
We have reached out to our TD Branch Manager XXXX XXXX, but he could not get an update from the Bank other than it is still processing. Our Closing Attorney also tried to reach out to TD with No success. 

Please help tell TD Bank, to process our 'Residential Subordination Agreement Request ' in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. On XX/XX/XXXX, XXXX shows Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. The payment history shows a payment in XX/XX/XXXX and XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple years. There had not been any changes. I've even sent Experian a copy of XXXX  deletion of XXXX XXXX XXXX due to the inaccuracies. Finally, I sent a copy of XXXX  to Experian to show more inaccuracies. XXXX  date of first delinquency XX/XX/XXXX. Experian still verified everything reported was correct.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I recently had a very frustrating and extremely damaging experience with Barclays Bank Credit Reporting affiliated with Miles and More Barclays Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX FICA points. On XX/XX/2021, I received an email notification from XXXX that my XXXXredit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found Barclays Delaware had reported that my Miles and More card was over 30 days past due. Given that I have this payment setup automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, Barclays did not notify me timely about the first missed payment in XXXX. Had Barclays notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. Moreover, Barclays can see that my payment record is flawless except for your unnecessary report. I called three different dispute numbers listed on the Barclays website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the Barclay Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.

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