vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened an account in late XX/XX/XXXX with two promotions attached to my account. " Receive direct deposits of {$2500.00} or more within 60 days of opening your [ checking ] account to earn a {$300.00} bonus. '' and " Deposit {$20000.00} or more in new money [ in your savings account ] within 20 days and maintain that balance for 90 days. '' Both terms of the account bonus were met. I received the savings bonus in XX/XX/XXXX. However TD Bank is refusing to honor the checking bonus because I had a checking account that was closed in XXXX. More specifically, a customer service representative said that TD Bank looks back 7 years for accounts. The terms and conditions of the bonus address this, however TD Bank is refusing to honor their own terms. 

" Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria '' The exact wording and full terms can be found in the attachment. 

Similar language can be found on their current promotions page, which I assume they are also not honoring for other customers : https : XXXX I did not have a prior personal checking account at TD Bank within the preceding 12 months, so I should be eligible for this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
my company sent over information the different state agency 's without my consent or my knowledge. I just learned about this by doing a Employment data report. There is also information that was sent over to XXXX XXXX XXXX without my consent as well. it also needs to be sent to Equifax. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
On XXXX XXXX of XXXX, OneMain Financial sued me in XXXX XXXX Alabama. The plaintiff 's lawyer, XXXX XXXX and XXXX claimed that I owed {$13000.00} on an original {$10000.00} loan that I had become late on and was making partial payments monthly. During that hearing, a consent judgement was completed in the amount of {$7300.00}. This motion is based upon the Defendant ( me ) admitting owing the Plaintiff ( OneMain ) the amount claimed. Defendant agreed to pay {$1700.00} on XX/XX/XXXX and 16 monthly payments of {$320.00}, with one final payment of {$360.00} until the balance is paid in full. Payments were due by the XXXX of each month. Plaintiff agrees to delay execution as long as Defendant pays as agreed. 

In XXXX of XXXX, I completed the payments in full. Yesterday XXXX XX/XX/XXXX, a process of Garnishment arrived to claim an additional {$7000.00} from my employer. 

I am considering making formal complaints to the XXXX XXXX court about OneMain and XXXX XXXX and also want consumers to know that this company OneMain Financial does not keep agreements, in or out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2020-12-30 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2020 I received a text message on my phone from an unknown number. By replying to this text it allowed a hacker to hijack my phone. This gave them full access to everything on my phone including banking apps. The hacker used this information to do a cash advance of {$2200.00} to my credit card. I reported it as fraud and a case was opened. The case was closed because the bank claims my pin number was used to get the cash advance. At no time did I give my pin to anyone, especially for a large cash advance. I have disputed the claim and asked it to be reopened. XX/XX/2020, a second cash advance for {$2200.00} has now appeared on the new card they issued to me after the first incidence. I called in the claim today, XXXX XXXX. They told me to call back in a week to follow up. This was exactly what they said last time. Then they transfer me between multiple departments. First they did not resolve the first fraud incidence and blamed me for it, now they do not offer protection against it happening again. I closed the credit card completely today, but was told I am responsible for the {$4400.00} in cash advances until the fraud case is cleared. I am filing a police report with my local department today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have tried 3 times now to get on an assistance plan with Bank of America for by credit card ending in XXXX and it's like trying to get blood from a stone. I have tried on the phone and thru online chat, and I either get the runaround or they just disappear on the chat after awhile ... this is ridiculous, I'm trying to make good amidst a pandemic and they are uncooperative.

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 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I paid this debt down to roughly {$700.00} USD. I fell into financial hardship and the debt magically almost quadrupled. I refuse to pay the absurd amount of roughly $ XXXX. This debt has been sold twice now and neither debt collectors have been able to give me a clear explanation on the amount. Seems fraudulent to me and I work hard to provide for my family and I will be dammed if I allow this to stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one is showing I was 30 days late 5 times from XXXX XXXX-XXXX XXXX. I have sent numerous letters to get it removed but no response. Now cause of covid19 I cant use my personal credit to be approved for loans because of this error. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I spoke wit this company twice over the last few days. I told them I was busy the first time and that I will call back when I can. They called the very next day while I was at work. I told them I can not talk but continued on. I told them I am a few weeks away from making a payment. They then accepted that and hung up. Today they withdrew XXXX from my account, and now I am going to miss my rent payment. I called them and they have not answered or returned my calls. The name of the company is Receivables Performance Management.

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 2020-12-30 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
My ex boyfriend had his XXXX XXXX removed back in XXXX I believe. I guess he never paid it. Well it went to collections & when they tried to contact him. He told them to call me for a payment. I made one payment for him in XXXX from his card. But for some reason his debt is on my credit when I never had anything to do with the account. I have contacted the doc office directly and they wouldnt give me any information on the account either because I am not on the account. I called the debt collector to advised them of this. But they said because he called me his wife it is my debt. Him and I were never married and never portrayed ourselves to be married which to even be common law you have to do. I never agreed to be on this account. It is not a joint. I do not think I should be on the account just because they said that is what he said. That is not me agreeing to it and I did not give them any personal information. My name was already on the debt prior to them attempting to contact us. I am not even sure how they obtained my information. Also the creditors are extremely rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
On XX/XX/2020, I noticed that i received an alert from credit agencies that I had a new collection reporting. Upon my looking into the matter, I found that Consumer Adjustment Company, ( CACI ), had reported the collection for a XXXX  XXXX. I then called the company and explained that I did not have a unpaid bill with XXXX XXXX and that I had never been notified by there company of a bill therefore, It should be removed from my profile because I wasn't given written notification of bill in order to investigate or respond in writing. The guy I spoke with then proceeded to hang up and the issue wasn't resolved but was continuing to report. On XX/XX/2020 at XXXX XXXX  est, I received an email notification from CACI with an attempt to collect a debt letter ( which is outside of the 5 day window ) at which time I promptly responded to the letter for verification and asked them to remove the reporting on an unverified debt and as of yet, its still reporting during their verification process which is a violation of my rights under the FDCPA. I've requested removal during the verification process and they have proudly refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid this debt down to roughly {$700.00} USD. I fell into financial hardship and the debt magically almost quadrupled. I refuse to pay the absurd amount of roughly $ XXXX. This debt has been sold twice now and neither debt collectors have been able to give me a clear explanation on the amount. Seems fraudulent to me and I work hard to provide for my family and I will be dammed if I allow this to stand.

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I refinanced a beach cottage that I have owned for 15+ years with Movement Mortgage. When I did so I was surprised they required me to increase my flood insurance ( even though the insurance had been fine for the prior 15 years, even when the mortgage was larger ). The terms were so good with Movement I increased the insurance as they required. I submitted all documents to the processor - XXXX XXXX - he processed them. Closing went reasonably well and the loan was issued ( # XXXX ). Then the issues started : 1 ) A month later ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX stating that I had inadequate flood insurance. They had the original amount not the new increased amount. I forwarded that to XXXX on XX/XX/XXXX and he apologized for the error, said it would be fixed. 2 ) On Saturday XX/XX/XXXX I got a second letter dated XX/XX/XXXX again stating I had inadequate flood insurance. On Monday XX/XX/XXXX I sent this to XXXX again and he again apologized, assured me all would be corrected. 3 ) On Sunday XX/XX/XXXX I got in from a weekend trip to find a letter dated XX/XX/XXXX stating Movement had force placed flood insurance on my home. On Monday XX/XX/XXXX I again send the letter to XXXX with the expectation by XXXX Wednesday XX/XX/XXXX it would be corrected, I would have documentation it was corrected, and any premiums / interest / etc would would be refunded in full or I would escalate. Again he apologized and provided that requested information by Wednesday XX/XX/XXXX XXXX. 4 ) On Tuesday XX/XX/XXXX I received yet another letter dated XX/XX/XXXX stating my home was underinsured for flood insurance and they may force place it on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CITIBANK, N.A.
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-30 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XX/XX/XXXX I sent Honda Financial Services a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter Honda Finacial Service have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-30 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: Nelnet, Inc.
State: TX

Complaint narrative:
Some accounts located on my report are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good morning, It has been over 120 days and I can not receive any information regarding an account Barclay reports on my credit report every month. I was told that my account was given to a company called XXXX, XXXX reports that the account was charged off since XX/XX/2020 for {$2400.00} and they no longer have the account. I would like this account removed from my credit report since no one at Barclay seem to not have knowledge of the account. I have been calling for over 120 days trying to resolve this issue. Please reply with the solution to this issue. 

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 2020-12-30 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-30 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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