vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Hello : I opened a TD Cash Credit ( Platinum ) Card with TD Bank in approximately XX/XX/2018. The card was advertised as having a {$200.00} cash back bonus if {$500.00} was spent in 90 days of the account opening. I spent over {$500.00} in less than 90 days of the account opening ( by XX/XX/2018 ), but I  never received the {$200.00} bonus despite meeting the offer terms and over 6 months passing since I surpassed the minimum spending requirement. I have contacted TD Bank requesting the {$200.00} bonus be awarded to be given that I met the offer requirements specified ; however, TD Bank has not awarded me the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
I submitted a prior complaint, # XXXX and the response from the debt collector is not correct. I added more information yet you closed the complaint. I want you to follow up with them again with the following : Ask them only for this, a copy of their current contract with the original creditor. That is all I want you to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I lost my job last year and fell behind on my mortgage payments. I contacted my mortgage company regarding a hardship program and was put on a forebarence with payments of {$910.00} per month. I was puzzled at first since Unemplyment was my only source of income and this plan would take more than half and I was only given a 2 week notice on when payments would start. I called to discuss these concerns with a representative who told me if I didn't take the payment plan then nothing else would be offered and I could be at risk of loosing my home. I explained that a 2 week notice would not allow time for funds to be available when the 1st payment was due and she told me that as long as I mad the payment by the last day of the month, the plan would be considered in good standing. 

I made the fist payment on the last day of the month when fund were available. I was dropped from the plan because the payment did not post until the next business day. I disputed the disqualification and was allowed to resume payments according to the forberance schedule. I made my XXXX payment on XX/XX/XXXX, which happened to fall on a Sat. The payment was accepted however ; I was just notified that I was once again disqualified from the program due to breach of contract since the payment did not post until the following Monday, XX/XX/XXXX. 

This is a contradiction since I was told that as long as the payment was received by the last day of the month I would be okay. I disputed the disqualification and my dispute was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: NY

Complaint narrative:
I was incarcerated for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX/XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX/XXXX   XXXX  opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX/XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -openedXX/XX/XXXX( 3 mos ) amont {$690.00} 5 ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX  XXXX XXXX**** Unverified Account XXXX XXXX   XXXX**** Unverified Account XXXX XXXX XXXX XXXX**** Unverified Account XXXX XXXX XXXX**** Unverified Account XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX**** Unverified Account XXXX   XXXX XXXX/XXXX XXXX**** Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ON XX/XX/XXXX, MY CONSUMER REPORTED SECURITY FREEZE WAS PERMANENT REMOVE BY XXXX BY XXXX STILL SHOWS ITS ACTIVE WHICH IS INCORRECT XXXX REFUSED TO REMOVE THE SECURITY FREEZE!

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 2019-05-11 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: WESBANCO BANK, INC.
State: WY

Complaint narrative:
WesBanco Bank sued us over a loan on an RV. The suit was argued in the Wyoming courts and then dismissed with prejudice on XX/XX/2016. The bank was also ordered to pay our attorney fees of {$1200.00}. The bank has continued report us delinquent each month since and claims a balance owed of {$80000.00}. The bank has yet to pay our attorney fees. Several inquiries both in writing and by telephone by our attorney and ourselves has failed to illicit any response and attempt to resolve this situation by WesBanco to remove these items from my and my wife 's credit report. 

The included court documents have been submitted to WesBanco and all three credit reporting agencies, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: CT

Complaint narrative:
Over a month and a half after turning in the vehicle, I received a letter which incorrectly stated I had missed a payment and charged me for a payment amount which was inconsistent from what my actual monthly payment was. I was charged late fees and a demand to pay property tax with also made without any documentation as to how the amount was arrived to or details from the municipality. My account was also closed out, eliminating my access to any information pertaining to my lease. 

Furthermore, without this information, the amount due was reported to the credit bureaus as a liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX XXXX in XXXX has several negative reviews for billing costumers after they have terminated or ended their services with them. My name is XXXX XXXX and my credit use to be high 700s, its now XXXX over an electric bill that has been paid for. They have sent me to collections, a company by the name Helvey & Associates based out of Indiana, currently, Helvey & Associates or H & A is a third-party collection agency based in Indiana. H & A  has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by Helvey & Associates, understand your rights before responding. On the page of XXXX 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 2019-05-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX my mothers LLBean credit card was stolen from her room, As soon as we discovered it was stolen we called the credit card company and reported it, It took several calls and they decided that we needed to fill out a form explaining what charges were fraudulent. We sent the form in and after a few more calls I took over the process because it was hard on my XXXX year old mom making all these calls. I sent them a copy of the Power of attorney that I have so that mom doesnt have to deal with these things. After I sent them the POA we talked on the phone again and they told me they would remove the charges. It took a couple more calls for them to remove all the charges and the interest and fines. This whole process took 3 or more months and finally they took off all but a few charges that I paid just to get the whole thing off my plate. For a couple months the charges stayed off the bill until this month when all the old charges ( {$420.00} ) showed up again with XX/XX/XXXX dates on them. I called again to get the bill right and they told me they couldnt talk to me because they didnt have a POA on file so I sent a new POA and hope that with your help we can get this fixed for good. Please help me solve this for good.

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 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My dad tried depositing cash to my account on XX/XX/2019. He was told that cash can not be deposited to my account by Chase. He tried then depositing with his debit card and was told this is not allowed either and that it must be a check, money order or cashiers check. He then got a cashiers check and deposited to my account. Chase put a hold on my account that will potentially cause me a late fee and/or credit reporting issue. Had they accepted the cash I wouldnt have incurred these issues. Cash is legal tender and not accepting cash as a payment is illegal, how is this policy okay?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am POA and son of my mother and this complaint is about the reckless disregard Shell Point Mortgage services acted during my mother 's loan and during the closing process to buy out her debt. I filed a claim with the state attorney general of Colorado as well as the XXXX of XXXX SC. During the closing they asked for 3 months of interest 177days with out explanation as to why then need more than most banks of 30-90days. I could not nor could XXXX XXXX the loan company buying out the loan get Shell Point to explain this. Also the phone numbers they provided had their mail boxes full so you could not leave a message. they sent 3 registered letters with the same information that did not explain what was asked. They claimed to not to be able to get a hold of my mother or I and that my voice mail was full which it not true or accurate. I sent them 4 copies of my POA they claimed they never got. They made an extra {$1400.00} by manipulating the principal and interest claiming we had paid 3 payments to principal and not to interest. Which is not true. Because that's all my mother has paid since 2007 on this 13 % interest where only {$30.00} dollars went to principal a month. They now claim they did make a mistake and owe her {$37.00}, but they owe her more. They refused to send me her loan agreement. I feel what they've done to my XXXX old mother is fraud. and I would like your help.I can provide payment records and my correspondences with the bank Shell Points mailing address and her Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC 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 2019-05-11 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: NY

Complaint narrative:
I was incarcerated for XXXX  years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) 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 2019-05-11 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: NY

Complaint narrative:
I was XXXX  for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in XXXX  I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX   XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) 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 non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: OR

Complaint narrative:
I visited KeyBank 's physical branch location at XXXX XXXX XXXX, XXXX, OR XXXX in XX/XX/2017 to close my checking account with them. I met with XXXX XXXX, Branch Manager, who assured me my account would be closed. 

A week or so later, I received a cashier 's check from KeyBank, also from the same branch I visited, so I figured my account was formally closed, and I deposited the official check into my account at another institution via mobile deposit and considered it done. 

Despite the fact I was told by KeyBank 's employees, and I even received a cashier 's check for closing my account out, I have a negative mark on my XXXX XXXX XXXX report. 

Also : I'd like this made aware of to XXXX XXXX, " Vice President, '' " Senior Initiative Development Manager '' at KeyBank. I don't care for a response from her, but she needs to understand the malfeasance of her prior market.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
After multiple threatening phone calls to my wife, threatening to have me arrested, she told them to send the cops. They then sent a letter stating they were suing me, threatening to get a garnishment and a lien. I contacted my attorney who advised me this is a scam and to notify you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
I was contacted by National Credit System from XX/XX/2019 to XX/XX/2019 in attempt to collect a debt of {$2000.00} from XX/XX/XXXX and was told if I didn't pay, this will be put back on my credit, after it was disputed and removed off last year. I also was told that my credit would be damaged and I wouldn't not be able to own a home or rent anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXt XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX  XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX Unverified Account   XXXX XXXX XXXXXXXX/XXXXXXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: FL

Complaint narrative:
Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to TransUnion ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with TransUnion now 4 times and have spent hours on the phone with no resolution. TransUnion tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted XXXX XXXX the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from TransUnion and advise me on my rights. 

XXXX XXXX XXXX XXXX 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