vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
<P/>
After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
<P/>
I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02 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: SC

Complaint narrative:
I have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
XX/XX/XXXX  it w as decreed in a divorce I that ow ed 1/2 of the total amount of {$2500.00} due to Target. Keeping in mind I NEVER signed up for a Target account t o begin with. I was added by my wife at the time without my knowledge. On  XX/XX/XXXX  I  was ordered by a judgement of contempt to pay  my 1/2 of the Target Card, after sending payments to my ex-wife 's attorney that never made it to Target. I paid my 1/2 of the {$2500.00} on or around  XX/XX/XXXX  At whi ch point I should been removed and the remaining balance should been placed solely in the party 's name. I contacted Target several times regarding this account and was told I was removed. I have been dealing with this inaccurate and fraudulent information for over 7 years now and want it removed or at least reported correctly showing my balance of  XXXX  paid in full. All  XXXX   Credit  reports bureaus say they only report what the original creditor response with and the original creditor " Target '' is reporting this wrong. Update I recently found out that the ex-wife filed bankruptcy i n  XX/XX/XXXX fil ed bankruptcy that I was unaware of, but somehow got added by Target. Also On the credit reports it shows the new husband as the joint on this debt not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
M y line of credit that I had with Citibank ( Best Buy ) was suddenly closed due to a soft credit pull initiated by Citibank, In the soft pull inquiry according to the account closure letter I requested listed below is what the cause was for the account   closure.   N umber of accounts with delinquency Length of time credit history has been established Balance on your account with us Balance on your account *The problem with this unfair account closure is that all of the accounts that are listed delinquent on my credit file are from Identity Theft and is in the process of being disputed with the various companies and credit bureaus. I have reported myself being a victim of ID theft to every agency possible to try to clear my name way bef  ore this closure occurred. I have called Citi Bank on numerous occasions about this issue but I get told the same thing, they can not reopen an account once it 's closed and the ID theft had no bearing basically. Also the closure of this account has had dire affects on my credit score causing another one of my major credit cards to close my account it has became like a domino effect, I think it is so unfair  and unjust for me to be put in such a financial ruin because of being a unfortunate victim of Identity theft.

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 2017-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ) .   thank you

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ).    thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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 have asked Experian to delete negative information on my report and they have fail to provide me proof of collection accounts.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OH

Complaint narrative:
X/XX/2017    KeyBank automatically tranfered money from my checking account to my saving account but the transfer is only to happen if the funds are there fund were not there but they tranfered anyway causing a negative balance in my account then they processed to charge me overdraft fees five totally they would only refund two of those they caused the overdrafts but refused to make it right Im being robbed of my fund because of there transfer that they did knowing the funds where not there tried to work it out with them but they say they cant do anything else all I want is my money back from there misstake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have  two  accounts with  Capital One  that are past due, they flat out refuse to help in anyway, shape or form! I was on an " early assistance '' program, that ended and now I can not pay the bills. They wont let me go back on it, they said my accounts are not qualified for a collection status at all. They wont lower payments or interest rates at all.   I have several other credit cards that have eliminated the interest rates  COMPLETELY f or 6 months, and capital one a multi-billion dollar company flat out refuses to do that!!!!  <P/> And none of their " kids '' are trained at all, I was transferred to so many departments and they all had no clue about my account at all . SO FRUSTRATING.  I want those two accounts on a program that eliminates the interest totally and lowers the payment.  <P/> And their " automated " system doesnt work at all, it was supposed to transfer me to collections, and it takes you wherever!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have a savings account with HSBC. I was credited for onl y 1  transaction for a fraud complaint that had more than one transaction. I stated to  HSBC  VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to  XXXX   XXXX ,  manager  of the ACH department who tells me I need to goto the fraud department.  <P/> A little background on my conversation with  XXXX . First point of contact on     XXXX   XXXX   XXXX      . She proceeded to tell me that  HSBC  was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on     XXXX   XXXX   XXXX        ( today )  and  XXXX  gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: PR

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER  XXXX  NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

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 2017-06-02 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: PR

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER   XXXX   NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL T HE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: PR

Complaint narrative:
XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I co-signed for a vehicle on behalf of my ex wife. The vehicle was repossessed in XX/XX/XXXX. I received a XXXX cancelation of debt and instructed to file it on my XX/XX/XXXX taxes. I did so after talking to Santander and being informed it would bring the charge off balance to {$0.00}. Needless to say they lied. After applying for a loan recently I was denied due to the account having a substantial balance. Not to mention this account is over 9 years old now. When I called Santander to ask about this, they were extremely rude to me and told me the XXXX was merely a formality. Being XXXX XXXX I know this is not a formality. I am writing asking with help in resolving this issue. It has cost me several opportunities over the years. I do n't check my credit file and had no clue this was going on since I have never once spoken to them because my divorce changed my contact information and address. The only reason I received the XXXX is because my daughter found it in the trash at my ex wife 's home and saw my name on it. Santander has been very hard to deal with on this matter and we need assistance in order to grow our company, an effort thwarted over the last few years by this matter. Thank you for your time and attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I use online bill payment with    XXXX   XXXX   XXXX   (  XXXX  )  to pay my credit card bill to TDBank (  XXXX   XXXX   XXXX  ). I made my  XXXX   2017  payment via  XXXX  's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in  XXXX  and  XXXX  to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau.  <P/>  XXXX  sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On  XXXX   XXXX ,  2017 , myself and my  XXXX  representative called  TDBank  's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account.  XXXX  at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both  XXXX  and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today,  XXXX   XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a  manager  on  XXXX   XXXX  and  XXXX   XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in  48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error.  <P/> I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a  manager denying my requested relief. The manager manager will  not even return my calls, much less respond it writing so I 'm stuck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage Lender is reporting Foreclosure Status. This home has never had a Foreclosure Sale Date ( it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.
<P/>
Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure Sale Date on Calendar.

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 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Having completed the required three-month trial payment period,XX/XX/XXXX-XX/XX/XXXX, on XX/XX/XXXX we received an acceptance/eligibility letter from Nationstar Mortgage for a Home Affordable Modification on our mortgage. We completed and returned the agreement in the pre-paid envelope by the designated date of XX/XX/XXXX. Receipt of documents were confirmed and we continued payments -- the first new monthly payment for XXXX ( continuation of trial payments ) of {$1500.00} @ 3 % interest for 483 payments and made XX/XX/XXXX's monthly payment ( monthly principal/ & interest payment amount {$850.00} ; monthly escrow payment amount {$660.00} ). On XX/XX/XXXX we received another modification agreement with change in the " new money '' from {$100000.00} to {$74000.00} ; the monthly payment changed to {$1500.00} @ 3 % Interest for 480 months. We called Nationstar and spoke to XXXX XXXX questioning new modification documents AND as to why on their website on my login page there was message " Your account is not eligible to make payments. Please call us ... '' XXXX XXXX said that Nationstar was " re-doing the modification '' and that I after I signed new agreement, payments would be accepted. We signed the new modification agreement and returned them within the designated time frame.
We called Nationstar weekly and were told they were working to correct some errors " they had made ''. We checked our account on their website several times during the week and saw the same message " Your account is not eligible to make payments. Please call us ... '' which we continued to do. <P/>On XX/XX/XXXX we received a letter ( dated XX/XX/XXXX ) informing us that we had been denied HAMP 1 Tier as we 've " ... exceeded allowable number of modifications ... '' and HAMP Tier ll was declined because " ... offer not accepted by borrower/request withdrawn ... '' This is not true. It also states we did not make trial payments which is not true! They are now asking for money ( {$61000.00} ) that according to modification agreement was rolled back into loan.

Company response to consumer: Closed with explanation