vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX XXXX notified me in my XXXX credit card statement that TD Bank had purchased the XXXX XXXX   Cash back Visa card, and that TD Bank would no longer be continuing the XXXX Cash Back Rewards program. As a result, no more cash rewards would be deposited into my XXXX online savings account after XX/XX/2020. At that time, I called XXXX XXXX to redeem the current balance in my Cash Back   Rewards account, and deposit them into my XXXX   online savings account. I was asked if I wanted to continue my credit card account with TD Bank even though they would no longer be offering the XXXX Cash Back Rewards program. I told them that I did not want to continue my credit card account with TD Bank if that were the case. 

I got my final credit card statement on XX/XX/2020 for the period XX/XX/20 - XX/XX/20. During that period, I had accumulated {$20.00} in current cash back rewards in my account. When I called to redeem the rewards, TD Bank told me that since I had declined their credit card offer, the accumulated rewards were no longer available to me. They stated that by not accepting their offer to continue my credit card account with TD Bank, I had " by default '' closed my account. And they stated that once an account is closed, the cash rewards are forfeited to TD Bank. 

When I called to complain, I spoke with Agent XXXX # XXXX and Agent XXXX # XXXX, who both told me there was nothing they could do to get my cash rewards back to me because that was their company policy and they can not change company policy. They further stated that they could prove that this was their company policy because it says so in their credit card agreement that they can keep these cash rewards funds once the account is closed. 

I don't see how this can be legal. If so, TD Bank is being allowed to keep all the cash rewards that have accumulated in all the accounts for all their customers who did not agree to accept their TD Bank credit card. They are telling me it is legal because they sent me a notice stating that if I did not redeem my remaining cash rewards by XX/XX/XXXX, then I would forfeit the rewards, but I told them that I did not get that notice. Their position is that since they told me that they sent it to me and it states in my credit card agreement that they can keep any cash rewards from an account that is closed because I did not accept the terms of their new credit card, then there is nothing they can do. 

I don't think the cardholders who decide not to accept the TD Bank credit card terms are aware of this policy by TD Bank. And that's a whole lot of money that will be forfeited by a whole class of consumers, including myself, who will lose thousands of consumer dollars in cash rewards balances that must be forfeited to TD Bank as a result of this self-serving company " policy ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
So when I called Navy Federal Credit Union about paying on my loan they told me I had three loans with them and I only have one that I got merged in XXXX or XXXX maybe XX/XX/2019 around that time and I havent made a payment because their asking for more than my payment was suppose to be and thats like {$250.00} and I was planning on giving them {$500.00} to be back on track with my loan. I just want to know how do I have three loans with them? Or find a solution that I can work with paying them their money! Or I wont pay at all for the misunderstanding or disruption with my only loan I have with them. 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 2020-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I DO NOT OWE XXXX  {$320.00} OR {$180.00}. REMOVE FROM MY CREDIT REPORT. I WAS A VICTIM OF IDENTITY THEFT WHEN MY CAR WAS CARJACK

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
this is in reference to previous complaint # XXXX. 

Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. This has been going on for 6 months. I submitted the documents that suitable to verify my identity, by certified mail on 2 separate occasions. 

certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure and continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me. This will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my

two requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy this is my 4th and final reques
t.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Global Lending Services LLC
State: TX

Complaint narrative:
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Apple credit card sponsored by Goldmans bank overcharged me an interest fees. My XXXX balance was {$420.00} My new purchases came to XXXX and I made a payment of {$800.00}. There was no cash advance on my account and yet I was still charge five dollars in {$5.00} worth of interest. When I contacted Apple they advise me it was due to trailing activity from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not remove a negative " hard inquiry '' evidently made by XXXX XXXX on my credit profile. Though Equifax has provided many excuses such as " mail the company a letter '' or " wait 15 days for a free credit report '' for not deleting this obviously inaccurate entry that is the single item on my credit report that likely did not appear there by magic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NJ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.

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 2020-03-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear CFPB I am writing to you with heavy heart that Fifth Third bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my  tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from fifth third saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that Fifth Third is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks  after than conversation i received a letter saying they will not fix it as it was not their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Unapproved credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: MI

Complaint narrative:
I am submitting this complaint against Meridian Financial Collection Services for violation of the Fair Credit Reporting Act and the Fair Debt Collection Act by not responding to the request I made to provide information documenting this debt. Meridan Financial then reported this debt to the XXXX  Credit Bureau without responding to my request for documentation which is in violation of the Fair Credit Reporting Act. This action has caused a great damage to my excellent credit standing that I have worked to achieve over many years. Never once providing requested documentation that I owe this debt. I do not owe this debt and will seek all legal remedies. They began their phone calls starting XX/XX/XXXX ( 15 calls ) and then sent letter for payment or a response. I responded to them by certified letter on XX/XX/XXXX within the 30 days time allowed and received a sign certified receipt dated XX/XX/XXXX. This letter was requesting requesting documentation with absolutely no response.I am a XXXX year old widow with only retirement and social security to support myself. This issue and the repeated phone calls by Meridan Financial has caused severe stress to both my physical and mental well being. I am asking for an investing of Meridan Financial who represents XXXX XXXX a XXXX XXXX violating the rights of an American citizen. I am not positive if it was Meridian Financial or XXXX XXXX but they called the city offices at XXXX XXXX MI where I am XXXX  asking for information about me. Inappropriate and I believe not allowed under the collection laws.

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 2020-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I became ill last year and was unable to pay my mortgage because I was off from work. I have become delinquent and my home is set for a property foreclosure sale. I have requested mortgage assistance several times, the mortgage company has been difficult to work with me and refused to help me save my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit company is still reporting incorrect information on my report the account from XXXX XXXX was deleted but is still reporting they have copy of my police and still have not removed the accounts off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Cohen Financial. It is very important to me to pay my real estate taxes on time. My mortgage payments are always on time so they have plenty of money in my tax escrow account. My taxes were due to the City of  XXXX on XX/XX/2020. They have not been paid. When I asked the mortgage company they came up with some excuse that they sent the money and the City sent the money back. I have owned this home for 26 years and the City never sent the money back before. What tax collector sends money back? The mortgage company said they gave the City my correct address and tax parcel number.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy federal closed my account due to security reasons. Its me, I dont know what else to tell them. I have a credit card thru them with a {$7000.00} credit limit and they just XXXX the account down. Im not received any valid reason and they are being difficult. So in order for me to make payments I have to get my mom to go to the bank every month or I have to leave school in XXXX, Im in XXXX and drive to XXXX to make payments because I can no longer just login to make payments. Not only did they prohibit me from accessing cash I had in the account, closing the account also ranked my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian not removing inquiries, address and names. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX/ XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX & XXXX XXXX XX/XX/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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing for assistance with my bank account with BBVA account. On Saturday the XXXX XXXX, 2020 I deposited a check in the amount of {$540.00}. After I made the deposit, I saw only {$41.00} posted to my bank account after reviewing my online account. This deposit was to help me pay my rent. As of today the correct amount is still not posted to my account, causing me to be late in my monthly rent. On top of this I am being charged late fees and issued eviction notices to appear in court, because I cant pay my rent, so far totaling {$200.00} in late fees. This error is a BBVA bank matter and they should assist me by helping with the late fees. I have contacted the bank and am being told it could take 5 to 7 business days to make the adjustment of the missing {$500.00} back into my account.

Company response to consumer: Closed with explanation