vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
1 ) Purchased 2 items online from Nordstrom on XX/XX/XXXX XXXX Order # XXXX 2 ) Never received items and actually forgot I had made the purchase. 
3 ) Received a call from Nordstrom on XX/XX/XXXX  reminding me to make a payment on my credit card before I incurred a late fee. I could not remember making a purchase and told them I would research and call them back. 
4 ) I researched the purchase and found some emails about the purchase in my SPAM folder. I went online and tracked the package on the XXXX website and found the following : Your shipment XXXX Delivered On Saturday, XX/XX/XXXX at XXXX XXXX at Front Door 5 ) Called Nordstrom Card Services and told them I never rec 'd the package. They told me I would have to speak with XXXX as they could not assist me. 
6 ) I chatted with XXXX and basically was told I waited to long to report the missing items, which I didn't realize were missing until XX/XX/, and I would have to file a police report and try to get my insurance to reimburse me. 
7 ) I filed a dispute with XXXX on XX/XX/. 
8 ) I received another call from Nordstrom Card Services on XX/XX/XXXX  and explained the situation and was told they would do some additional research and see if they could help because I should not have to pay for something I did not receive. 
9 ) Nordstrom responded on XX/XX/ and stated their reporting was correct. 
10 ) I filed a claim with XXXX but have not heard from them. 
11 ) Nordstrom flagged my account as 30 days past due on XX/XX/ and my credit score dropped 93 points!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: OH

Complaint narrative:
This account XXXX XXXX XXXX and Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation and the method of how they validated multiple inaccurate items on my credit report.The credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERV AT XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I logged into my Rushmore loan mortgage account to pay my bill, and Rushmore is blocking me access to pay on my loan. When I called customers services to ask why the website is blocking me from paying on my bill they told me because my last payment didn't go thru and now the only way I can pay on my mortgage loan is with a cashiers check or with XXXX XXXX. First of all the last payment bounce do to the fact that Rushmore tried to steal more money then they were required to take, and caused my bank to charge me with overdraft fees which I reported here in my previous complaint. And as for paying with a cashers check or with XXXX XXXX that is more money Rushmore is trying to make me spend because of processing charges, which I will be deducting from my payment to Rushmore instead of four hundred dollars my payment is {$370.00} because XXXX XXXX charges a {$30.00} process fee. Rushmore is debt collection company that needs to be investigated for fraud, and a class action suit brought against the company and it's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX AND EQUIFAX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! EQUIFAX XXXX AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE US POSTAL MAIL!! EQUIFAX XXXX AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: AL

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 advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX {$360.00} ERC ( Original Creditor : XXXX XXXX ) XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was denied online access to the tax forms for my mortgage account. When I contacted Fifth Third bank, they said the reason was I'm listed as a 2nd signer on the loan, after my son. They would only grant online access to tax forms only to the primary signer ( my son ) and not to a secondary signer like myself. My son had never registered for an online account with Fifth Third. I'm the one who had registered for the online account and I've been paying the mortgage monthly. 

They said they can mail the requested tax form to me, so implicitly they acknowledged that I can have access to the tax form. The bank just arbitrarily decided to not allow me to access the forms online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My most recent report dated XX/XX/XXXX with Experian shows multiple unauthorized inquires. Pursuant to U.S Code 1681b ( 2 ) - Permissible purposes the consumer agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following is a list of all unauthorized/unrecognized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
I opened American Express Delta Skymiles credit card in XX/XX/2021 online. It was advertised that I will get XXXX bonus miles after spending $ XXXX in first 3 months. I spend it and then I called and asked when I will get my XXXX bonus miles. I was told that after 3 billing circles. After 4 billing circles I called again and I was told that because I had this card before many years ago I will not get my bonus miles. I asked representative to find more info. I told that I opened this card thru advertisement on XXXX and I didn't get any info that I will not get any bonus miles because I had this card before. 
I was told that they will investigate and I was asked to call back in 10 business days back. I called back after 12 business days back and was told that I will not get any bonus miles. And no other info is available. I would never open this account if I knew that no bonus miles

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my 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 explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX - XX/XX/XXXXXXXX XXXX Syncs/aeXXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/AmazonXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/PayPal XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my 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 2021-10-11 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: TX

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED TO AUTHORIZE ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
I have transferred {$800.00} to XXXX on XX/XX/ XXXX RIA took {$800.00} along with their fee ahead of time. 
Then I transferred {$1000.00} on XX/XX/XXXX for medical treatment. RIA took {$1000.00}, along with their fee on XX/XX/XXXX. However, Money did not go through until XX/XX/ XXXX I asked them to cancel, they did not cancel. So, I tried to resubmit and this time the money has gone through. However, they already took the money on XX/XX/ XXXX 
Surprisingly, RIA took another {$800.00} and {$1000.00} from account on XX/XX/XXXX. Please see attached from my bank. 

In short, I transferred a total of {$1800.00} plus {$2.00} fee, in total {$1800.00}. All the money was paid by me and my recipients also received their currency for {$1800.00} as {$2.00} is RIAs fee. 

But RIA has taken out the money twice from my account for a sum of {$3600.00} Since XX/XX/XXXX, I have written may correspondence and It seems they are trying to harass me and did not pay my money as to today XX/XX/XXXX, XXXX, My money was not returned. I have written so many times, I tried calling them, each time I had to wait for 30 -50 minutes and then they disconnect the call. 

Now, I will miss my mortgage payment, I must pay the bank fee for overdraft and tried to stop payment, did not work, but I have to pay the fee. RIA is responsible for these fees. RIA must refund my money immediately along with these fees incurred or will incur for their Ill business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
upon checking my credit report i noticed that i have fraudulent accounts on my file. i reached out to fix problem but i have not been help in any way from the crb

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a payment, by check, to Citi Cards on XXXX XXXX by mail. My Credit Union deposited the payment to CitiBank on XX/XX/2021. The bill was not due until XX/XX/2021. The payment to my account has not been credited despite several contacts Via CitI-Bank 's online Feedback service and a call to Customer Service XXXX I have told CitiBank that I have a copy of my Check processed by my Credit Union. I asked for a manner to send them the copy electronically and I was told I could only FAX it. They are closed today for XXXX XXXX, so I will attempt to FAX the copy tomorrow. Customer Service did not tell me they were closed today. Their Customer Service is useless. I tried using their online Chat and Feedback services and was told the problem could not be resolved. I called Customer Service I could FAX the Copy and then was transferred to Billing where I was told I couldn't FAX it. When I told the agent that the rep who transferred my call said I could FAX it he agreed saying I could. Tried 8 times today, but because of the Holiday their FAX machine ( s ) aren't answering.

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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Butler and Associates, PA
State: MO

Complaint narrative:
Hello, I am writing to report a complaint against the company ( " Butler and Associates, P.A. '' ) for unethical debt collection practices. I first received notice about collecting debt on XX/XX/XXXX to the amount of {$310.00} ( principal + interest ). To which I responded with a letter requesting additional information, including who they are, state licenses to collect, itemized debt information, creditor information, debt validation information, and other information ( attachment A ). 

The company did not adequately respond to this request, so I sent an additional letter ( attachment B ). The second letter specifically stated for them to not contact me further regarding this supposed debt, until they have provided all the necessary documents to assess transparency and debt validity. 

I did not hear back for 10 months. On XX/XX/XXXX, I received a letter with debt notice with amount of {$330.00} ( principal + interest ) and the statement that if I don't validate within 30 days, they will assume it is valid. I have already disputed this and they acknowledge the dispute by sending a letter back on XX/XX/XXXX. 

Why are they attempting to collect now after 10 months? Is this an attempt to have interest collect on this debt? Why are they pretending that the debt wasn't already disputed?

Overall, my main complaints against this company is 1 ) lack of transparency about who they are and their clients ; 2 ) failure to conduct the debt validation process with their clients ; and 3 ) their continual harassment without providing information. 

Thank you for your consideration, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Pursuant to complaint XXXX filed on XX/XX/XXXX, I was re-charged an additional {$140.00} again on XX/XX/XXXX. On enquiring why this was charged, the company informed me that this was again due to making my first payment 2 days late. So, American express has charged me {$310.00} interest on a balance of about {$10000.00} for 2 days, effectively an interest rate of 550 % annualized. That is not a typo. This is hypocritical and an obvious violation of all UDAAP rules and company ethics.

I would like to request the CFPB commissioner to investigate company practices to ensure American Express is prohibited from using such deceptive practices to actively swindle cardmembers of significant sums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have set forth all the details about my complaint in a letter sent to the credit card company. Capital One. The underlying complaint is against a fraudulent sale by XXXX XXXX. They sold me a ticket which could not be used due to Covid-19 travel restrictions. They then refused to refund my money when I told them that they had sold a ticket which could not be used. I complained to Capital One, and they rejected my request for rejection of the purchase. 

Capital One sent me a letter accompanied by 11 pages of " documents '' supplied by the merchant. However, these " documents were illegible and therefore useless to me. I have attached only Page 1 of the 11 illegible pages as a sample, but I can provide the remaining pages if necessary. Please note that I received Page 1 and Pages 3-12 of the " documents '' from Capital One ; I did not receive Page 2.

Company response to consumer: Closed with explanation