vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I recently paid off a home equity loan with Navy Federal Credit Union. In order to pay off the loan they extorted an extra {$50.00} in fees that were never disclosed. The extra fees were not disclosed on the truth in lending statement or any of the closing documents. Navy Federal refused to remove the lien on the property unless these extra, undisclosed fees were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: OH

Complaint narrative:
I contacted the company and it was incorrect and they were supposed to remove this from my credit report, I do n't understand why it 's still on there, how can we get this taken care of. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: CL Holdings LLC
State: GA

Complaint narrative:
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017 This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.

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 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XXXX/XXXX/17 I submitted a workout package to be review for a modification loan. I received a letter from my lender ( NationStar Mortgage ) advising I was denied because they could not set me with an affordable payment. In the letter is does not state if my income was high or low, when I submitted with workout package I never received a letter stating they received my documents and that the file was in review or any document pertaining to my modification. A few days ago I received the denial letter, I 'm not happy with the outcome because they are not specifying why I did not qualify. I called today the lender and the representative told me that they reviewed me for a Flex Modification but I did not qualify because they could not give me an affordable payment. I asked her if they do the review in base of my income and she said NO, so how do they get to the conclusion I did not qualify. I asked her to explain and she was not able to give a reasonable explanation. I am demanding a real explanation, not just I did not qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions. 

I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions. 

I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment. 

In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
received a call from XXXX XXXX XXXX Portfollio Recovery. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a divorce in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXX XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My Equifax credit report was recently downgraded by 152 points ( it was above the 800 ) with no apparent reason. Trying to communicate with Equifax to find out the reason has been a cross between a nightmare and a joke. I can not get anyone who speaks clear English and all they do is argue that they are speaking English ( at least I think that is what they said ). I want to make contact with a clear speaking person I can understand and find out why they have my credit rating so low. Their customer service stinks ... .they just argue and argue with me about what a good job they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: GA

Complaint narrative:
Experien refuses to look into the fact that the agency reporting the error can not produce a valid bill. Even when presented with this information they refuse to correct the issue and say after 45 days that the issue is resolved and I can not dispute it. 

The issue revolved aroudn XXXX XXXX XXXX XXXX report of a debt on my file. When asking for proof of such debt no such proof is given or shown. They also refuse to correct the issue.

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 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BMO Harris Bank offered a {$200.00} bonus for opening a new account. I met the terms of the bonus, but they are refusing to pay, claiming that I live in the wrong state. The offer that they made had no such restriction. I read on the internet that they did add a geographic restriction after I opened the account, but they should not apply the restriction to previously opened accounts.

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 monetary relief
Consumer complaint received 2017-11-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

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 2017-11-22 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and IQ Data International. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
received a call from XXXX XXXX XXXX XXXX XXXX. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a XXXX in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXXr XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXXXXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax reports twice that I owe a medical debt through XXXX XXXX XXXX for {$370.00}. I have asked for proof that I owe the debt but they refuse to update or remove it when I disputed it twice. I called the reporting agency and they could n't provide proof of a bill and still refuse to remove it. 

Equifax not only refuses to remove it they reported it twice on my report and ignored my dispute of the issue. 

The issue is they list twice on XXXX XXXX, 2016 a debt listed by XXXX XXXX XXXX. I asked for a bill and also to remove the double reporting of the issue. Equifax just ignored my dispute and continued reporting it without actually taking action on the dispute information I provided. They ignored me and did n't even act on the information I provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: U.S. BANCORP
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2017-11-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reviewed credit reports through annual site to obtain all 3 reports. Attempted to submit disputes for incorrect name spelling and dispute a social security number that is not mines. Called into Experian number that was listed on report to call. 1st customer service rep came on I explained what I was trying to do and she advised she would transfer me to dispute center. I heard music while waiting, line opened up and no one is saying anything the line is just opened and it has been for 35mins. I called back into the Experian number on another phone and proceeded to tell rep what the issue is and that my other call is still open on my other phone and no one is saying anything. The rep has the line open but is not saying anything. In order to correct issues on my credit report I expect to be able to talk with the dispute center. If the dispute department is taking calls then they should be actually taking the calls and resolving them not pretending to be on a call.

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 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.

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 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a checking account with TD Bank in XXXX. I deposited about {$150.00}. However I did n't use the account until years later when I payed a credit card bill for about {$100.00}. I never knew there was a maintenance requirement meaning a balance had to be maintained. Apparently I fell below that balance after paying my credit card bill and I was incurring a maintenance charge every month. I never received a monthly statement from TD Bank or an email alerting me to the fact that I was incurring this maintenance fee. However I just received a notice of the bank closing my account and I had a balance due of {$41.00}. 
I went into the TD Bank yesterday where I opened the account to inquire what was going on. I was told about the maintenance charge and the balance due. I explained to the customer service agent that I never received any bank statements from TD Bank and never was told there was a required amount of money to be kept in my checking account when I opened the account. The customer service agent called the assistant Vice President to talk to me, XXXX XXXX who explained to me that I would not be reimbersed for the maintenance fees that TD Bank charged me even though they never sent me checking account statements. This was final. When I got home I reviewed the information that TD Bank gave me when I first opened the account and there was no information about maintenance fees or required monthly balances. I am out about {$50.00} but it 's the attitude of this bank that is worthwhile noting. I am a senior citizen and even {$50.00} means something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I signed up for a southwest rapid rewards credit card through Chase. They were running a promotional offer, an offer they are still promoting today, of which if you spend {$1000.00} within the first three months of opening your account, they will add 40K bonus points to your card. After opening my card, I spent the next few months spending the required amount. On their site it states that it may take up to 8 weeks for the points to be added to your card. After the eight weeks had passed, I still had n't received my bonus points. I reached out to them to ask why my points had n't been added to my account. As it turns out, to get the bonus points, I had to spend {$2000.00} within the first three months to receive 50K bonus points. This was not the offer I was believed to have signed up for. They clearly are running a bait and switch promotional offer to get customers to sign up. Customers believe they only need to spend {$1000.00} to get the points, when in reality they need to spend {$2000.00}. It is false advertising and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 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: LA

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS CPS/MAIL XXXX PREFERD XXXX INQUIRIES DMSI/AUTO YES XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX TOTAL MERCHT XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX A XXXX XXXX XXXX XXXX {$760.00}

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