vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/2021 - I purchased 3 XXXX Airline Tickets with my American Express Platinum card for travel dates XX/XX/XXXX - XXXX. 

XX/XX/2021 - We checked in at the XXXX XXXX XXXX and my 3rd ticket ( which was purchased for my son ) was not recognized for free first checked baggage and I was charged {$30.00}. 

XX/XX/2021 - I contacted American Express Customer Service number on my card ( XXXX ) and spoke to XXXX who put a watch on the charge. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX. I explained that I was charged for baggage on XX/XX/XXXX and XX/XX/XXXX and I should not have been charged. I explained we checked in via the XXXX XXXX at both airports and my sons flight was charged the baggage fee. He put a watch on both charges. 

XX/XX/2021 - I received an email from American Express that the {$30.00} charge was posted to my account. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained the charge again. This time I was told that the charge was for excess baggage and I would have to contact XXXX XXXX to resolve this matter. I requested to speak with her supervisor, XXXX came back on the line and said she spoke with her supervisor and they will credit the account {$30.00}. I insisted on speaking with her supervisor, and finally, she got on the line. XXXX was her name and she assured me the charge would be credited to my account within 24-48 hours. 

XX/XX/2021 - I received an email - see copy of email attached. 

XX/XX/2021 - I contacted American Express Customer Service ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained my situation, again, she said she would change the dispute and I would see a credit within 24-48 hours. 

Needless to say, I am canceling this card once this matter is resolved. I did not have excess baggage and was charged for baggage that I should not have been charged for and I was unable to resolve the charge at the airport, expecting that American Express would be able to assist me with this matter. I was wrong. 

I would greatly appreciate any assistance your office can provide to resolve this matter. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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: MA

Complaint narrative:
I have 5 medical bills on my credit report 3 are for {$140.00} 1 is for {$140.00} and another for {$140.00}. I have called the collection company several times over a couple of months now asking them to validate the these my bills. They still will not sending me something showing that these are in fact my bills. I have also contacted XXXX as well and have disputed these three times with them. The only thing I have received from the collection agency is a invoice with the collection company logo showing I owe {$720.00}. I do not feel this is a validation of my debt. I feel I have a right to see the validation of the debit to show me it is mine and not for someone else.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX Was investigated and went in my favor Mr Cooper updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with MR Cooper making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: AR

Complaint narrative:
I disputed a wrong collection item on my Experian credit report. Experian wrongly placed that the collections item was discharged through bankruptcy, this item was post bankruptcy and I was not responsible for the collections item. I called to have it corrected, I spoke to several different people, they investigated and it came back with no changes on my credit report. It still says discharged through bankruptcy. My family is trying to refinance our home and this is the only credit bureau that is showing almost 100 points less then the others due to this mishap. Its very frustrating!

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 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have an impound account with my mortgage and a debt collector on a credit card from years ago attached the payment to my impound. I have tried to cancel my impound but they have told me that I do not have that option. 
Please contact me if you have further questions. 
Thank you, 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 2021-06-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX DOB XX/XX/1980 Equifax XXXX. XXXX XXXX, GA XXXX To Whom It May Concern, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report. 
No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the accounts listed below as a consumer Im demanding deletion of these accounts. 
XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account XXXX XXXX XXXX  -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- Account Number XXXX XXXX -- -- -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account NumberXXXX XXXX XXXX -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently applied for a mortgage and I have been using Transunion monitoring service for over a year to ensure I was able to. I find out that the credit bureaus use two different methods to report credit. One they use on their consumer portal based on some method they thought up called XXXX XXXX and the other based on FICO that they give to lenders. This has resulted in a 50pt gap in the two scores, with FICO being the lower score.

I feel this is a deceptive and fraudulent practice. If you join a service to monitor and manage credit, then only one method should be used to report to ALL parties. I believe them charging me a fee and giving me erroneous information that does not reflect what they give a lender is a kin to the used car game the XXXX XXXX XXXX plays. 

I believe all three bureaus are playing the same game here and it should be investigated. One method for all parties.

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 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I paid off my Nordstrom credit card bill for {$490.00}. It is now XX/XX/2021 and the payment has not been applied to the account yet. When I have called their customer service number I have not been given a timeframe for when the payment will be applied. They have also said that is uncharacteristic of me to make large payments on the account and that is why the account is under review. I find this insulting and their statement is untrue. In a 12 month period I will make 2-3 large payments towards my debt. The rest of the time I pay between $ 80-100, more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
This account was created in 2016 and needs to be removed from my report. This company has inaccurate information and no right to report this account on this apartment complex. 

This was a university apartment shared by 4 people which the complex was mismanaging accounts and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/2021 I was contacted by my employer in regards to my earnings being garnished due to a collection of {$1300.00} owed to Midland. This claim was settlled years ago and cleared off my credit reports. I was not told about this until now since a XXXX contacted my employer. I spoke to all 3 credit bureaus and they have no debt in collection with Midland. I am being threatened to have my earnings garnished with no attempt to being reached personally. This claim has been settled years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CA

Complaint narrative:
XXXX Was investigated and went in my favor XXXX XXXX updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with XXXX XXXX making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial

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 2021-06-09 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hello, My credit report was used by a housing company manager from XXXX XXXX to deny my application for a lease. The company did not indicate as to how the assessment was conducted nor did they provide a copy of the report they used for the denial. 

As of XX/XX/XXXX, my report indicates only mortgage debt. I have paid off any derogatory payments which occurred due to a XXXX  in XXXX. 

It is imperative Im able to rent or lease which would improve the credit score for home buying. 

I need access to an updated a credit report which accurately provides leasing companies the information they require.

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 2021-06-09 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: NC

Complaint narrative:
My credit was damaged by a delinquent payment was due to a company error by incompetence, not a missed payment by me. 
Explanation : I often had trouble logging into the company website to make payments. Every month the system did not recognize my password and it would make me create a new one. In XXXX of 2020 I was not able to log into my account ( as usual ) to make a payment so I called to make the payment by phone. I also asked to Cancel my card due to the inconvenience. I was told during this call that I could go into the store to pay it, but this was not convenient at the time. I requested to pay it by phone and thought that it was taken care of. I requested a Cancellation confirmation, but never received one. 
The following month I received an email that my payment was due. I called to ask why I was receiving the email because I had closed my account. I was told that my account was not closed because I had a balance that was not paid off. ( Their report shows a balance of {$8.00} that was added to my account AFTER I closed it. ) I attempted to resolve this and once again requested a confirmation that my account would be closed. 
The following month I received another email about a pending balance on the account. By this point I was very upset and requested to speak to a manager to resolve any pending balances and close the account immediately and provide immediate confirmation of closure. 
The balances that I was accused of owing and missing payment were added to my account AFTER I had paid and requested for it to be closed. I had to call multiple times to get this resolved as several people failed to properly apply my final payment and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I returned my XXXX XXXX XXXX to the Volvo dealership on XX/XX/XXXX. Volvo Car Financial Services ( " VCFS '' ) still hasn't acknowledged this and has sent letters saying that I am delinquent and is making false reports to the credit agencies that my lease balance is past due and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FlexShopper, Inc
State: NM

Complaint narrative:
Received a call from XXXX that was related to claim # XXXX that was being filed in XXXX XXXX Texas. This was relating to an account from 2017 and this is the first communication i have received from them. The message left on my phone was threatening to contact my employer and supervisor directly to discuss this. I called the # and spoke with them and they said they wanted immediate payment of {$1000.00} to settle or they would proceed with contacting employer. I told them I disputed debt and it was settled in 2017 and they are to stop all communication and also they would violate federal law if they contacted my employer. They didnt care and would not share the name of the company she was calling me from.

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 2021-06-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I never gave XXXX  XXXX  or Experian consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been in Covid-19 approved forbearance since XX/XX/XXXX ; I extended my forbearance until XX/XX/XXXX, in XX/XX/XXXX. 

I went to the " portal '' on company website on XX/XX/XXXX to extend forbearance, but accidentally click the wrong button with regards to " YES ... ability to repay '' ; and this froze me out of extension. 

I called the server, SPS, and was told they can't re-set or assist, but to take my chances. 

My forbearance ends XX/XX/XXXX, and I need more time, like 60 days to bring current, but I can't reset the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the XXXX XXXX website regarding the Transworld system XXXX XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NJ

Complaint narrative:
I contacted experian and informed them that XXXX XXXX XXXX XXXX on XX/XX/2021 Pulled my credit against my authorization and they told me they wouldnt investigate it. 
Also XXXX XXXX XXXX XXXX on XX/XX/2021 as well. I told them under the Fcra that these items werent authorized and needed to be removed and I was told by XXXX that it wouldnt be investigated

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I do not owe any debt and I never have. Sequim continues to call me. It says I have a XXXX  balance and they will not remove me from their call list. I spoke with one woman and she told her to take me off the list and she hung up on me. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation