vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Opened TD personal checking account ( TD Premier Checking ) on XXXX in response to a promotional offer ( Earn {$300.00} ). After funding the account with a payroll direct deposits on XXXX OF {$2500.00}, I called the bank to see about the status of the promotional credit. I was told that someone would respond in 3 days. A week later I called again and was told that they would submit an inquiry ( again ).  After no resolution and belief that the checking offer was deceitful and bank never intended to fulfill, I called in late XXXX ( XXXX I believe ) to close the account. ( I had already written a check on the balance to reduce the outstanding balance to {$0.00} ). The phone representative refused to close the account, stating that I needed to do it in person at a branch since there was XXXX cents in the account. I asked to talk to the supervisor, XXXX ( rep number XXXX ) who was rude and started the conversation with something like " The representative already told you we ca n't close the account and I wo n't tell you anything different ... '' Finally, she advised that I use TD 's send money online function to transfer the XXXX cents out of the account ( because ACHs cost more than I had left in the account balance ). After hanging up I tried this option only to learn that there is a {$1.00} minimum to use Send money. Finally, I wrote myself a check for XXXX cents and deposited it into another bank account ( different bank ). I called the next day XXXX ( since the check had already been presented and my account balance was showing {$0.00} online ), and XXXX told me that I may get a monthly maintenance charge for being under the minimum balance since the account cycle would close Tuesday and she required 3 business days to close the account. She suggested waiting to see if I was charge a fee and calling back to close the account later ( after waiting on hold the third or fourth time for over 30 minutes each  time ). I told her I wanted a close request be submitted immediately and that their bank ( TD ) could control whether they closed before a maintenance free could be assessed by them. I also asked about getting a credit for final cycle residual interest earned and received no understandable response. I never did get the few pennies of residual earned interest for the final cycle. TD was deceptive in it 's promotional checking offer and was coercive attempting to get fees by not closing the account in a timely manner without excessive effort made by customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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 has allowed an unauthorized inquiry to be placed on my credit report and I 've disputed it twice, with no assistance. On XX/XX/XXXX and XX/XX/XXXX, I disputed an unauthorized inquiry from a company called XXXX XXXX XXXX. It 's a company I have no knowledge of. My disputes were received in letter form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: IL

Complaint narrative:
I sent multiple certified letter to Experian in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX asking to veriffy account named " XXXX XXXX '' I received last updated credit report early XX/XX/XXXX and the account still says the account was investigated XX/XX/XXXX, which means the account was never verified per my last letter. By law this account is to be removed immediately due to the account not being investigated within 30 days of my last dispute.. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount but the company parroting the information and not verifying. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.

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 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is required by law to add an identity alert to my file. I provided a filed and accepted/approved police report and they repeatedly mail me a letter saying they refuse to obey the law and add an identity theft alert. They claim there 's been a misrepresentation of facts. In fact, this is a blanket letter they are sending out and using this letter as an excuse to violate the law, which is punishable by a class action lawsuit and fines from federal regulatory agencies. Numerous people have reported this to the Attorney General, supplied their valid police reports, and the AG is looking into it. For now, they have asked us to have your agency investigate. They have sent out thousands of these fraudulent letters.

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 2017-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENDERA FUNDING, INC.
State: TX

Complaint narrative:
Applied with a VA mortgage with XXXX XXXX XXXX, XXXX XXXX was our agent. We supplied ALL information that was needed, received a preapproval for {$220000.00}. After being into the process XXXX and half days, with closing being on the XXXX of XXXX, he stated that my husband needed to return back to XXXX MO in order for our loan to be secured due to underwriting stating that he must have full time employment. This was untrue after we contacted our local VA our of XXXX Texas. Because my husband receives XXXX and retirement, we where more than secure for the loan. This lender did n't know their VA rules and updates! My husband had job offers available to him, here in the state of Texas, but due to XXXX, XXXX XXXX, he was unable to meet those obligations and returned to the prior police department, which put a hardship on our family, only for XXXX to not supply us the loan being XXXX and half days into the process. We feel we have been lied to and discriminated against!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Upon investigation, XXXX contacted me with information stating that the debt was sold to a financial firm, Sherman Financial ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called SF,  they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX and Associates ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was XXXX and I 'm under the impression that I have been a victim of fraud by these firms in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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:
There is an inquiry from XXXX XXXX that was n't authorized by me. I 've written Experian on XXXX XXXX, 2017 concerning this. They 've made no remedy for this inaccurate reporting as the inquiry remains on my report unauthorized.

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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
XXXX XXXX THIS ISNT MY ACCOUNT, NOR DID I EVER PURCHASE ANYTHING FROM THIS COMPANY. IT IS BEING REPORTED TWICE ON MY CREDIT REPORT. THIS IS EFFECTING MY CREDIT SCORE I AM IN THE PROCESS OF REBUILDING MY CREDIT, AND THIS IS A NEGATIVE IMPACT ON MY REPORT. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I borrowed money for a XXXX with OneMain Financial. If memory serves me correctly the total was approx {$6000.00}. During such time I acquired insurance in case of an emergency in which I did have to use on one occasion. Once I was able to pay again, I made a {$2000.00} payment which put me ahead a little. Just recently I did what I thought was to have paid off the loan. I called the establishment 1st however, they had already closed for the day. Therefore I paid the total amount online using the most recent statement that I had received. I thought I was all done and then I receive another statement requesting an additional {$160.00} payment. I was very upset and I called the branch again and asked for XXXX XXXX XXXX whom is the manager. The representative advised me that he was at another location and that she would forward him my information to call me back so that we can resolve the matter. However, no call and now this affect my credit worthiness according to my credit report. I just want to be done with this. I paid off the loan and this is really not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The amount of XXXX was made on X/XX/2017 by me to the XXXX  accounnt of XXXXXXXXXXXX for a XXXX purse that she claimed she was selling. This account is her husband 's XXXX account. She told me to send money under friend and family because she did n't want to pay the fees. The order got canceled, I did not received what I paid for nor refunded even though I had asked for signature for confirmation. I have tons of proofs that this person was a scammer. I contacted XXXX, there was nothing they can do. I contacted Bank of America, they said there was nothing they could do because the way the payment was processed through my routing number and my checking number. I think it is not right how I got scammed for my money and theres literally nothing anyone can help me. BOA said if i used my debit card, it would have been a different story but how do I put my debit card info in XXXX. My card is linked with my account and thats how I believed it should be the same thing was used in XXXX. Please help.

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 2017-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc.
State: MD

Complaint narrative:
Today, while attempting to work on payment terms w
ith Delta Management Associates regarding my apparently delinquent XXXX XXXX Student Loan acc ount, I simply requested to know the dates which my account would be automatically debited for the agreed upon amount. Delta was only willing to provide the dates via phone not in writing. Furthermore, Delta provided an agreement that listed a due date ; which is not the date we agreed for payments to be drafted from my account. Delta 's unwillingness to provide dates in writing about when they would take money from my account is highly suspicious to me and calls into question the professionalism of their operation. I already have serious doubts about many things Delta discussed with me, but their unwillingness to provide this information, highlights these concerns.

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 2017-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have  contacted my lawyer as well with this information to come to a resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: MS

Complaint narrative:
Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In 2005 I was approached by a man by the name of XXXX XXXX, told me he was working with a team of people that wanted to help lower income families create a stable environment .for family. He said they could help me get a home. Shortly after that I met with XXXX 's business partner XXXX XXXX. They assured me that I was in good hands and they would take great care of me. At that time I was XXXX years of age just moving from XXXX to XXXX and working at the XXXX XXXX XXXX XXXX. I was very naive and needed someone I could trust, I thought, " this is what I 've been asking XXXX for! '' The two men begin taking me to see homes, they showed me three homes but were very persistent on the house on XXXX XXXX. I decided to get that one. We closed on the house and I received my keys ... days later I begin to see that the work that was completed on the house was cosmetic. Plumbing went bad and had to be replace throughout the entire home.Floors were rotted out and had to be replaced and the electric had knob and tube wiring and needed to be replaced throughout. I also needed a brand new roof and the house had no insulation. I contacted XXXX and XXXX, they promised to return and make things right but never made good on there promise. When all that occurred it made me curious so I wanted to know more about the guys that I should not have trusted. I found out that the house was actually for sale for {$23000.00} they sold the house to me for XXXX. I was beside myself and very angry. the home was foreclosed on and went to the tax sale were I was able to purchase it for the taxes. I own the house out right but I still have that loan on my credit, which has basically ruined numerous opportunities for me to better myself and move on in life. This loan has with out question hindered my life! 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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX  and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: KEYCORP
State: CT

Complaint narrative:
My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX-XXXX, XXXX, I informed Citibank that I wanted them to refund a credit balance on my account of a significant amount. This was a result of a balance transfer that was completed without pre-confirmation to me after I had already paid off the balance on that card. Initially I was told that it would take 2-7 business days to complete the refund. However, on XXXX XXXX I received a email message from Citibank indicating that it would take up to XXXX XXXX, XXXX for me to receive my refund. In addition, to the unacceptable length of time I have and continued to receive contradictory information from Citibank, including different times I can accept the refund and in what form. There is no reason for this hold or continued conversion of my funds.

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 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Upon investigation, CitiBank contacted me with information stating that the debt was sold to a financial firm, XXXX XXXX ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called XXXX, they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX XXXX XXXX ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was CitiBank and I 'm under the impression that I have been a victim of fraud by these firms in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Phone call to XXXX and Transunion to inform them that this debt owed to XXXX XXXX XXXX XXXX was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or Transunion. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.

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 2017-08-22 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: NE

Complaint narrative:
On X/XX/2017 XXXX XXXX XXXX submitted a request to delete the account they are reporting to Equifax due to it being a fraudulent account. Despite XXXX XXXX XXXX requesting the item be deleted Equifax is still reporting the information. I have included a copy of the complaint filed with CFPB.

Company response to consumer: Closed with explanation