vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened One Deposit Checking and One Deposit Savings accounts with Citizens Bank online using a link for a promotional offer on their page. 

I completed all requirements necessary to receive the promotional bonus promised per the terms and fine print, and did not receive the bonus in the promised time frame. 

Upon opening the account I called and spoke with a customer service representative who confirmed for me that the promotion was indeed attached to my new checking account. 

The terms of the promotion were as follows, copied directly from the offer page which is also attached to this complaint : " To earn a {$300.00} bonus, open your first new personal checking account, excluding Student Checking, between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 

To earn a {$200.00} bonus, open your first new personal checking account ( excluding Student Checking ) AND open your first new personal savings account on the same date between XX/XX/XXXX and XX/XX/XXXX with a minimum of {$15000.00} not on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional {$100.00} bonus, you must qualify for both the {$300.00} and {$200.00} bonuses noted above. '' On XX/XX/XXXX, well within the 60 day eligibility period, I received a direct deposit to my account of {$510.00}. In my Citizens One Online Banking Portal, this was indeed confirmed as a " Direct Deposit. '' I have attached a screenshot of my online banking portal. 

According to the offer page, as somebody who opened my account in XX/XX/XXXX and completed my direct deposit requirement within 60 days, I was guaranteed to have received a {$300.00} " Balance Builder Bonus '' before XX/XX/XXXX. 

In mid-XX/XX/XXXX I called and spoke to a customer service representative who confirmed to me that I had completed the requirements and I would definitively be receiving the bonus before XX/XX/XXXX. 

On XX/XX/XXXX I called and spoke to a customer service representative named XXXX XXXX who confirmed to me that I had completed the requirements and I should have received my bonus. Ms. XXXX opened an investigation into the matter under case number XXXX, and promised me that somebody would be reaching out to me ASAP. 

It is now XX/XX/XXXX and I have received no communication, and have not yet received any bonus. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: PNC Bank N.A.
State: AL

Complaint narrative:
The machine won't take the carf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2018, Capital One put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end when I disputed the issue with a manager over the phone. They also failed to notify me that my payment was past due. I never got a call or an email reminding me that my payment was past due. 

More detailed explanations ( please see attached photos ) - On XX/XX/2018 my payment of {$100.00} was returned so I made a payment of {$100.00} on XX/XX/2018. 
- In XX/XX/2018, my auto-pay did not go through and Capital One charged me a {$25.00} past-due fee on XX/XX/2018. I called them on XX/XX/2018 to make a payment of {$210.00} to bring my account to good standing. Capital One acknowledged there was an issue with auto-pay on their end and waived the {$25.00} fee that they charged me on XX/XX/2018. They also said that my account was in good standing and there was no late payment due reported. 

They said they were going to fix it and submit the removal but they never did. It is still showed up on the two other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on https : //ecorp.sos.ga.gov/BusinessSearch it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so. 

I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? it is against the FCRA to collect on a debt that first of all is not true. 
I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
On or around XX/XX/2020 when I attempted to use my online Banking with USAA Bank, a questionnaire " popped up '' stating information was missing or needed updating. I have been a customer with the bank for over 15 years. The questions included asking what my net worth was and what my annual income was. It was stated that the questions were required as compliance with the " Patriot Act. '' I stopped and did not finish the questionnaire as I felt it was getting too personal and an attempt at gathering marketing information. I called the bank and asked about the questionnaire and they told me again it was required due to the patriot act. I told the bank I had been a customer for over 15 years and I have nothing changed in the last few years and all this information had previously been provided. I asked why now I was being asked and the representative on the phone said I must have done something to trigger the questionnaire. I said I have done nothing. 

I followed up with emails on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020 ; and asked each time what triggered the action. The contact site said they would respond back within 24 hours. I have not been responded to even once. I read the patriot act and it does not require my net worth or my annual income to be revealed to the bank. I feel I should be allowed to know what has triggered this action at the very least. Because I will not answer their personally intrusive questionnaire, I am unable to access the history and actions in my account to verify no charges are made on my account that I did not make. I am now being threatened with the closure of my account. 

Please let me know what exactly the Patriot Act requires a bank to gather.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Also, the creditor of this account, which is Bank of America confirmed that they DO NOT have any physical proof, a signed document with my signature on the account. Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and bank of America did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online. 

BOTH XXXX  and XXXX  DELETED IMMediatly the Bank of America account as Bank of america can't provide ANY evidence of this account belonging to me. 

Please finally delete this account, it as been impacting my credit and limiting my life.

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 2020-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Firstly, I was part of a class action lawsuit against Toyota Motor Credit handled by the CFPB. I was co-buyer with my daughter of a used car from XXXX XXXX XXXX in XXXX, NJ. I did not know that I was the primary buyer at the time because I read and signed all documents on a small electronic screen. They told my daughter that she needed a co-signer and that was what I thought. I was aware that should she fail to pay her note that I would be responsible. The problem with that is she was the only one receiving the billing documents. At some point I did receive the calls that she was behind and I did make effort to catch her up. Her car ended up being repossessed. Sometime after, I received a letter that if I wanted the car I would need to have the total balance for the car plus added fees necessary for repo. There was no way I could come up with the amount asked for in that amount of time. 
Some time after, I received notice from the Superior Court of XXXX County to appear in court. I thought it was a scam at first, honestly because I did not receive a certified letter. 
Also, had I gone into arbitration, I would have given up my right to be part of the class action law suit according to my contract with them that is stated on page five of their contract ( included on last page of attachments ). That contract also states should I be part of a class action lawsuit against them It would void that contract. 
XXXX XXXX XXXX used unfair loan practices and Toyota Motor Credit is asking me to pay them. This repo is reflected on all three major credit reports as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I ( XXXX XXXX XXXX ) have not missed a mortgage payment within the past seven years. I am not having difficulities paying my monthly mortgage obligation. However, the problem I am having is with Bank of America blocking my accessibility to open and view my mortgage account as of XX/XX/XXXX. I had enrolled in a electronic Pay Plan 24 with Bank of America on XX/XX/XXXX. I have not changed my checking account. I have not requested for this form of payment to stop. Bank of America has not given written contact stating that they were not processing my mortgage payment via Pay Plan 24 or that they deactived that option. On XX/XX/XXXX, I checked my account and noticed my payment was not taken out of my account. Once again, I was not given any notification regarding any changes or an explanation as to why I do not and can not access my mortgage account. 
Bank Of America has removed my ex-husband XXXX XXXX from the loan without my prior knowledge. The paperwork list and or refer to him as a " Seller '' this is false. XXXX XXXX was court ordered to deed his interest of the home to me in XX/XX/XXXX. This is knowledge to Bank of America so I am unclear as to why they have dediced to list him as a " Seller '' and has removed his name from the loan. I have been paying the mortgage since being approved for the home modification. XXXX XXXX was discharged through Chapter XXXX bankruptcy in XXXX.Bank of America is also aware and knowledgable of this and has all the supporting documentation. I was told at the time of the modification that his name could not be removed from the home loan. Now, XXXX Bank of America is removing his name. Is this proper protocol? I need Bank of America to stop blocking me access to view and open my mortgage account. I also, need for Bank of America to accept my mortgage payment that was due on XX/XX/XXXX. Since Bank of America deactivated my Pay Plan 24, I called in Friday, XX/XX/XXXX and my payment was processed over the phone. The representative reactivated my Pay Plan 24, I do not wish this to be deactivated.

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 2020-06-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I AM IN PROCESS OF PURCHASING A HOME AND I WOULD LIKE THE AUTO FINANCE INQUIRIES REMOVED OFF MY REPORT FROM 2019, I DID NOT AUTHORIZE ANY OTHER COMPANY TO RUN MY CREDIT EXCEPT " XXXX XXXX '' FINANCE. THOSE INQUIRIES ARE FRAUD & I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE TD AUTO XXXX XX/XX/2019 XXXX  ACC XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted dispute to XXXX, XXXX, and Transunion on XX/XX/XXXX and have never received a response.

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax again, has reported another account out of the blew on me that doesn't belong to me. I am honestly sick of having to make these complaints with Equifax reporting false accounts over and over, and not honoring the fcra laws to verify accounts they report. Under fcra 809ab, the accounts they report should be fully verified with all the required items/documents one creditor must have to legally report info on ones report ( mine ) This account is not mine, fcra 605b and fcra 809ab are the laws this Equifax bureau is continuously to turn their cheek on. Its ashame, i need help with fighting off these random creditors allowing a id thief to open accounts in my name and giving benefits to Equifax to report this stuff, its all illegal business, unfair business practices on both the creditor and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted dispute to Equifax, XXXX, and XXXX  on XX/XX/XXXX and have never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I AM IN PROCESS OF PURCHASING A HOME AND I WOULD LIKE THE AUTO FINANCE INQUIRIES REMOVED OFF MY REPORT FROM 2019, I DID NOT AUTHORIZE ANY OTHER COMPANY TO RUN MY CREDIT EXCEPT " XXXX XXXX '' FINANCE. THOSE INQUIRIES ARE FRAUD & I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2019 REGIONAL  ACC XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/2020 Caine & Weiner reported to all theee credit agencies that I owe a debt to them, they are also reporting false allegations of That it is a new debt I had it removed from my credit reports before due to it not being my debt and they remove it then they report it again fraudulently putting wrong dates and amounts to pass it off as a new collection. I have never signed a contract with this company nor do I owe the amount in question. Caine & Weiner are making false allegations against me and are fraudulently reporting false debt information that is ruining my credit standing. Im his is not my account and the date opened isnt even a legit date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I feel synchrony closed all of my cards because of my race .... I have been an excellent card holder for many years! Paid my cards on time and to XXXX  balances. Being African-American I have seen the struggles in life. I got a great education. I saved a lot of money. And I built GREAT CREDIT!! After I had mentioned to one of Synchrony reps. Synchrony closed down all 7 of my Synchrony branded cards that I have had for years .... I have a XXXX FICO SCORE! Never been late!!! NO NOTICE GIVEN TO ME. Synchrony just closed my cards. XXXX, Banana Rep, Amazon, Chevron, XXXX, XXXX XXXX JCP. After all the tension in our country Synchrony decided to close all my cards without giving me a reason or notice. What a sad & pathetic operation run at Synchrony. Its XX/XX/2020 and I have still not received a notice or explanation on why Synchrony closed all my cards after 4 years ... My cards are paid in full every month. All 7 of the cards have XXXX  balances. On the Amazon card they owe me money.

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