vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank has taken every step to avoid paying out their " Promotional bonus ''. After recently submitting a case to XXXX, I discovered why TD was withholding the " bonus '' which makes no sense. 

It is clear that TD was running a promotion for their Beyond Checking. It is documented throughout the internet and I received a flyer in the mail even though TD declines they sent one ( unfortunately I recycled it after signing up as I did not expect to be scammed by a large bank ). 
https : XXXX https : XXXX XXXX XXXX XXXX To say the only " online '' promotion they were running was the Direct Mail Checking Promotion is just false. To make matters worse, even if that were true ( its not ), I still received a promotional mailing which they somehow can't track ( how convenient ). 

Second, if the only " online '' promotion they were running was the Direct Mail Checking Promotion, why did 4 TD Bank Digital Specialists as well as a representative at a local branch ( who spoke directly to the promotion team ) only mention the issue of time? 

Upon further digging into reviews, this is not the first time TD has promoted bonuses and then avoided paying them. 

Just recently on the XXXX  website : XX/XX/2019 " I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$300.00} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my government employer, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$300.00} promotional value would appear in my account. '' Background : My account was opened on XX/XX/2019. Per TD terms and conditions : " The account must be opened for at least 95 calendar days to receive the incentive bonus. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. The Promotional Bonus will be paid between 95 and 140 days after account opening if requirements have been met and account is in good standing. '' During this period, I've reached out to TD on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've yet to receive my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
As per the attached letter, American Express clearly acknowledges that their How to Pay with Points and Member Rewards program DO NOT ALIGN. As per the website - I am entitled to have my points reinstated without penalty. Why must I pay for an airline ticket not used when the program clearly states that if you cancel your trip your points will be reinstated. No time frame - no restrictions mentioned. This is bait and switch. It is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT WITH XXXX   AND DISCOVER, I HAVE FILED A POLICE REPORT AND FTC REPORT. THIS ACCOUNT WAS BLOCKED PER SECTION 605B 15 U.S.C & 1681c-2. THEN THIS ACCOUNT WAS PLACED BACK ON THE FILE BY XXXX  SAYING THEY RECIEVED NOTIFICATION FROM DISCOVER SAYING THE ACCOUNT IS VALID. I HAVE EXPLAINED TO DISCOVER THIS WAS A RESULT OF IDENTITY THEFT AND YET THEY STILL ARE REPORTING THIS FALSE INFO ON ME. I ASKED XXXX  TO VALIDATE MTHIS ACCOUNT AND HAVE DISCOVER PRODUCE A CONTRACT/ APPLICATION WITH MY SIGNATURE, OR OTHER IDENTIFYING INFO, AND XXXX SAYS THAT DISCOVER DONT HAVE TO PRODUCE THEM ANYTHING AND AS LONG AS THEY SAY THE ACCOUNT IS MINE THEY WONT BLOCK IT EVER AGAIN. ALL DISCOVER IS SAYING IS THAT THEY HAVE MY PERSONAL INFO. MY RESPONSE TO THAT IS THAT IM A IDENTITY THEFT VICTIM SO OF COURSE YOU HAVE MY INFO. I WANT THIS ACCOUNT TO BE BLOCKED FROM MY CREDIT REPORT AND DISCOVER STOP DOING UNFAIR PRACTICES AND STOP TRYING TO COLLECT ON ID THEFT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
There were disputes previously made not credited : XXXX XXXX {$25.00}. XXXX XXXX XXXX {$35.00}. XXXX XXXX {$150.00} XXXX {$23.00} and XXXX 's XXXX {$26.00} totaling {$250.00}

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 explanation
Consumer complaint received 2020-01-08 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: MO

Complaint narrative:
On XX/XX/2020 I charged {$730.00} to my Chase card. I did so because of this offer https : XXXX. There is a {$250.00} cash back offered. The card company is saying this is not valid. But will not give a reason why. This was my first purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I turned in my XXXX XXXX, and Ford Motor put a balance owing on my credit, I had no knowledge or notification of a balance being owed on the vehicle of {$1300.00}. They put it on my credit report without making me aware of a balance. I would like this removed from my credit report. 

Ford Motor Credit Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

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 2020-01-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

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 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The collection company is Midland Credit Management based on the number search. They call numerous times a day from various numbers. 
I've received calls from : XXXX ; XXXX I'm not sure why this company is allowed to change their number/hide their number when they call. In the past I've indicated that they are not contact me via phone. The only communication is via mail. 
I worked with them on a prior debt which has been paid in full. I don't agree with the way you are served by a private process server. I'm confused how MCM is allowed to operate the way they do vs other collection companies. I've never been harassed by other creditors or agencies until dealing with MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Back on XX/XX/XXXX I canceled a money gram transfer. I was told that a refund will be available within 10 business days. I reached out to them several times to find out why the refund is not back on my account and all I'm getting is a run around. They refuse to refund my money. 
Please help! 
Money gram Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
We purchased ( {$110000.00} ) this property ( XX/XX/XXXX ) with XXXX XXXX ( LOAN # XXXX ) of XXXX IN ( XXXX ). Sometime after closing and moving in we started getting mail from a company named 'Ditech '. We called XXXX and they explained that our loan had been sold and we should just continue sending payments and they'll be sent to the proper company automatically. Then our auto payments stopped so we called ( XX/XX/XXXX ) and they walked us through setting up payment under the new " servicer ''. Then Ditech mistakenly, admittedly, took out SEVERAL payments ( XXXX-XX/XX/XXXX when you figure up the $ $ they cost us in fees to break even with the payments due ) at once instead of the once per month as agreed and explained to us. It drained our entire bank account and the children 's ' savings ' accounts. We were charged several overdraft and balance transfer and daily below XXXX  balance fees and the company would not speak to me ( XXXX XXXX, XX/XX/XXXX wife since XX/XX/XXXX ) because 'my name is not on the loan '. When my husband ( XXXX XXXX XXXX XXXX ) called they told him there was nothing we could do to get our money back so he said 'fine then no more payments until you tell me what is going on with my money '. And we shut off the auto pay. My husband has never received a Notice of Default from Ditech and we do not accept any calls from them as they are not our Original lender and we would not have agreed to be affiliated with such a shady company. I'd say we have plenty of evidence to show why we don't feel comfortable paying this company any longer.. https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : //XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: GA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
On or about XX/XX/XXXX I was contacted by Pressler felt & Warshaw re : an alleged debt that they purchased from XXXX XXXX, which originally belonged to XXXX XXXX. on or about XX/XX/XXXX I answered this alleged debt asking for the demand for documents and or validation and or verification of this alleged debt. shortly after Pressler felt & Warshaw sent 4 copies of a credit card statement that proves no verification or validation of this alleged purported debt. XXXX XXXX  and Pressler felt & Warshaw could not and will not swear affidavits as to the accuracy of this alleged debt. and have served me again on XX/XX/XXXX, this is an overshadowing violation and violation of 1692a. ( 4 ), 1692g validation of debts, and also ( mandarin trading ltd. V Wildenstein , 16 n.y.3d 173,182 [ 2011 ] ) existence of contract. ( a ) a party alleging a breach of contract Must demonstrate the existence of a contract reflecting the terms and conditions of the purported agreement. it is axiomatic that XXXX XXXX  and Pressler felt & Warshaw seeking to recover under a breach of contract theory Must prove that a binding agreement was made as to all essential terms. construction of an unambiguous contract is a matter of law! in essence, XXXX XXXX  must show that it is the owner of the alleged debt sued upon. it is imperative that admissable evidence shows that specific account was owned by XXXX XXXX at time of suit. 
( XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX [ XXXX dept XXXX ]. 
XXXX XXXX  and Pressler felt & Warshaw had enough time from our initial contact back in XX/XX/XXXX to prove and provide evidentiary proof and demand for documents that they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NM

Complaint narrative:
I filed a dispute with Equifax on XX/XX/XXXX when I discovered they were reporting an open car loan account with XXXX XXXX XXXX XXXX XXXX as closed with a last payment XXXX of XXXX, when the most recent payment was last month ( XX/XX/XXXX ). They were also inaccurately reporting my last name, so a drivers license was uploaded to their website to verify last name. On XX/XX/XXXX when I went to the online dispute website to check the status of the dispute, a message said to call XXXX to provide more information. On XX/XX/XXXX I spoke to " XXXX '' at the XXXX number. She was very difficult to understand and spoke with a heavy accent and appeared to have difficulty understanding me. She said my name had been corrected but the car loan dispute was ongoing. This morning I received an email stating my online dispute was complete, however when I followed the link to the dispute center, I again had a message to call the above referenced number to provide information. There was no information on Equifax online dispute website site regarding the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I never placed this order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My existing Mortgage is with Wells Fargo. We contacted them about a refinance anf filed the appropriate applications and sent a check for {$480.00} appraisal fee. Wells Fargo ( lets just call it the bank ) chose an appraiser and came to my home and made an exhaustive examination both inside and outside. We were informed by the bank that he came up with a value of {$490000.00} ten thousand less than the {$500000.00} we but on the submitted application but my wife and I could live with that difference. 
However several days later we were informed that there was a " third party interference '' with the appraisal and the bank would have another appraisal done at the banks expense. 
Incensed I asked the person at the bank, XXXX XXXX, for an explanation and on a recorded .conversation said in her numerous years at the bank she never heard of this happening. I demanded to know who the third party was and she said she would get back to me.She told me not to worry because the bank was paying anyway for a new appraisal. Now comes a new appraisal. {$370000.00} one hundred and fifteen thousand less then the appraisal I paid for. Several mistakes were brought to XXXX 's attention but she told us the bank wanted them in writing. I sent the written list and demanded again the names of the third party person,. who chose the new appraiser and the return of my paid appraisal fee. Back in forth with her and her supervisor for several weeks we were told we could get the mortgage using the new appraisal and the cash out we wanted HOWEVER there would be an interest rate increase then that we were locked into due to the decreased value of the second appraisal.Therein lies a fraud. Without explanations of mysterious persons involved in the appraisals. I went to the XXXX XXXX NY County Clerk to examine the listed assessment of my home and those used in the second appraisal and was informed that something was wrong with our estimate and that in his 30 years in the real estate department he never heard of a one hundred and fifteen thousand dollar difference between two estimates on the same house just days apart...

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 2020-01-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!

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 2020-01-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!

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 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 - Charged {$110.00}. Capital One insisted it was viable. 
Filed complaint with cfpb ( XXXX } and was resolved. 
XXXX XXXX - {$110.00} charge was reimposed, although card was frozen and I could not use it.

Company response to consumer: Closed with explanation