vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with target card services and have set up a payment plan thru their own website. I have been in contact with target. I attempted to explain my situation and the fact that I have already made an agreement thru target and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: LA

Complaint narrative:
The first incident happened back in XX/XX/XXXX with a credit repair service named XXXX XXXX. They charged my card {$72.00} and didn't render the services they claimed they would do. I contacted XXXX XXXX and disputed the charge and was told that it would take 180 days to resolve the problem. After 30 days I called to inquire about an update of what was going on with the investigation. I was then told that they were awaiting a response from the company in question and that I needed to wait another 30 days. After 60 days I received a letter in the mail and it stated they were still working on my case. Another 30 days passed and I called and spoke with a CSR, I was told if they didn't hear from the company in question that my card would be refunded the {$72.00} byXX/XX/XXXX which would be the 180 days of wait time. I contacted XXXX XXXX  last week, XX/XX/XXXX, and was informed that the case was closed and I would not receive m refund because it was shown that I received the goods from the company. I asked them what goods did I receive because it wasn't anything of goods that was purchased it was serviced and I never received those services and why wasn't I sent any correspondence stating what was going on and that a decision was made? I was led on for month after month and then nothing was done to give me my money back from being defrauded. Next problem was the fact that I'd cancelled a payment to XXXX on XX/XX/XXXX shortly after initiating it and the website states if a payment is cancelled before XXXX the money would be return to the card immediately. After contacting the customer service department more than 5 times all being told something different and now a week later my money still has not been returned. The amount of that transaction was {$190.00}. Now, today, XX/XX/XXXX I checked my account to see if my money was returned and still nothing yet a new problem pops up. I discovered that a fraudulant charge for {$39.00} has been applied from my card, I immediately called the company and was told that I have to wait 3 days until the payment has been processed and I would have to call back to dispute this charge and then I would have to wait 180 days before I will receive my money back on my card. I told the lady to cancel the card, immediately, I went on the unemployment site and updated my payment information and stopped them from sending any further payments to this company. There's a recording that comes on in the beginning of the call and it states that each call is being recorded, therefore the call records can be pulled and reviewed as well as all contacts I've made with this company should be documented as well.

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 2020-04-07 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:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-07 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: CA

Complaint narrative:
In XX/XX/2017 I was approved by my college officials to travel to Puerto Rico to help the people during Hurricane Maria restoring power and water while continuing education. I traveled to the XXXX XXXX to assist the people as well there. However my bag was stolen from my rental car that contain my identification and other pertenant information. I made a police report about the incident while out of the country to possibly retrieve my missing belongings and never did. I became a victim of credit card fraud and identify theft reporting to all three credit bureaus to possibly help fix the problem. As of today nothing has been done that has a direct negative effect on my personal and business credit. Experian sent my complaint and information back return to sender address unknown. It has become impossible to reach Experian to help fix this issue as well as receiving there credit boost for paid utilities. I did send all information to XXXX  with a official police report and yet to receive information considering a investigation., It has been two years struggling to bring a resolution to this credit issue. Now with the COVID -19 destroying the economy it has become extremely important to fix my credit to empower others

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 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have several collection company 's on my credit report and some of the debts are repeated depths but they have constantly called me and have threatened my credit record which has now taken affect, I have explained to these company 's that I don't have income to pay these medical bills and at the time I had these medical services I was married to a man whom did not carry or file with his insurance company. I feel its only fair that these company 's take action towards the person I was married to and living with at the time these services took place. I am also asking that they remove themselves from my credit report for that is making it where I am not able to fix my credit score. One last thing is I ask that the collection companies do not contact me regarding these matters for I have given more information to whom they can go after for that I feel is or should be help responsible

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 2020-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX, I scheduled a payoff payment for a personal loan with Avant. They told me the amount of the payoff was {$4300.00}. On XX/XX/XXXX at approx XXXX, I dropped in a mailbox at the United States Postal Service at XXXX XXXX XXXX, XXXX , OH  XXXX a check for {$4500.00} written by my bank, XXXX XXXX XXXX XXXX , to Avant , LLC . As Avant requested, it was sent to XXXX XXXX XXXX, XXXX, IL  XXXX. Yesterday, XX/XX/XXXX, I spoke with an Avant customer service representative on the phone. That person told me that they have not received the check I sent. That person also told me my loan balance is now between {$4400.00} - {$4400.00}. It is convenient for Avant to claim they have not received the payoff check because the balance on my loan with Avant increases daily. The longer they can claim they have not received the check, the more my balance with them increases. From the date I sent the check to them to yesterday when they claimed they have not received it is 12 days. It does not take 12 days for regular mail to go from XXXX, OH  to XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I changed my auto-draft amount to a lesser amount in XXXX on myloancares website. It was set-up to withdraw from my checking. But it withdrew from my savings. Ive had this issue for 4 months straight and I dont know what else to do. Ive incurred more than {$100.00} worth of fees from this companys all because of this. I bank with XXXX, but quickly realized it wasnt there fault but myloancare. I emailed to request a refund since it isnt XXXX  fault but myloancare for not taking the money out of the correct bank account.They tried taking the money XX/XX/XXXX. From savings even though it was set-up for checking.

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 2020-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank has informed me my HELOC account has been frozen with no explanation as to the reason. HELOC was recently paid to XXXX and I requested it remain open. I previously submitted a claim to CFPB as TD Bank would not release my over payment refund to me which has since been resolved. 
I was informed by secure TD Bank Portal chat on XX/XX/XXXX that my credit line is frozen and at {$0.00} and I must visit a Branch to complete documentation. I immediately responded to that message asking for more information and I have received no response. I sent another message on XX/XX/XXXX with no response. I have contacted XXXX XXXX of TD Bank on XXXX, XXXX, & XXXX with no response. I have contacted XXXX XXXX of TD Bank of XXXX with no response. I have called TD Bank at XXXX and waited on hold in excess of 60min with no assistance. I have emailed the Manager of my local TD Bank branch on XXXX with no response. 
I am paying a yearly service fee to keep my HELOC open and the funds available for use. My HELOC is in good standing and all payments have been made and paid to XXXX. I do not see any contractual reason why this account has been frozen or why I must visit a branch for further documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: AR

Complaint narrative:
I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I recently had a to file a complaint with cash app because I sent money to someone but didnt receive what I supposed to. At first the person didnt respond or want to refund my money. I let Cashapp know so that something could be done and so that this wont happen to anyone else. They said they couldn't do anything about the account and I couldnt get my money back unless it was sent to me by the party. The person finally sends me a refund but they intervened for security reason. Then I was told to find a way to receive my payment outside of Cashapp which at this point there is no other way. I expressed that I have been made to jump through hoops. I've called my bank to dispute the charge but they let me know it was a slim chance they could do anything due to regulations. I emailed back and forth with Cash Apps customer service team sending every bit of information I have only to be left with no resolution. I let them know I was dissatisfied with how this situation was handled and I received an email stating my account had been closed. Now I am out of my payment of {$260.00} and no way to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX XXXX  Branch in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager. When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX Branch where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX Branch and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX Branch, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX Branch could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.

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 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for and opened a TIAA Bank checking account on XX/XX/XXXX. I applied under a {$250.00} promotional bonus offer, which required qualifying direct deposits of at least {$1000.00} within 90 days of account opening. I successfully fulfilled this requirement by having an employer payroll direct deposit of {$1000.00} posted on XXXX. 
The promotional offer terms stated that the {$250.00} bonus amount would be deposited into the checking account within 120 days of account opening date. The 120 days date for my account would have been XX/XX/XXXX. This date has now past and no bonus has been credited to my account. 
I sent TIAA a secure message on XX/XX/XXXX within my online banking account inquiring about the status of my promotional amount being credited. TIAA bank took 4 days to respond to my message, only to inform me that I am not eligible for this promotion. I find TIAA Banks response to be unacceptable and deceiving as a customer because I applied for this promotion from a public offer landing page and successfully signed up and completed all stated requirements. Only after I followed up via secure message to inquire on the status of my promotional being credited to me, was I then told that I am not actually eligible for this promotion, which makes no sense. It is ridiculous to me that the bank can only tell me this after I followed up, when it was previously communicated by approving my account and allowing me to apply for a checking account from a {$250.00} promotional page that all signs pointed to the fact that I am indeed a properly eligible and qualified customer for this promotion. 
With consideration to the information provided above, I respectfully request that TIAA Bank rightfully issue the {$250.00} promotional amount to my checking account as part of the offer I signed up with and successfully fulfilled the requirements for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My wife and I recently purchased a home which is in need of some repairs so I decided to attempt to open a Lowe 's credit card. 

At the time of initial application, I was told that Synchrony Bank needed more information and that I could either call or wait for a letter. I have pretty good credit so I was a bit surprised, but in any case I waited for the letter in hopes that it would explain what information they were looking for. 

The letter arrived had no background information other than I needed to call Synchrony in order to resolve the issue. I called Synchrony, was passed to a second customer service representative who relayed that I would be getting an email in the next 10-15 minute where I would need to provide a response. She said that I need not wait on the line. That email never showed up. 

A few days later, I again called Synchrony and eventually made it to a customer service representative who asked me to confirm my address. I did, and also relayed that I had very recently moved which was the reason for the Lowe 's card. 

I inquired if this resolved the issue and the customer service representative 's only response was that she had done her part and it was up the automated system. 

I received an email letter that my application was declined because they are unable to confirm my identity. There was zero due diligence on Synchrony Bank 's behalf to resolve this issue.

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