vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have a Target XXXX XXXX which is their credit card. At one point, I had 2 linked checking accounts for online payments. I closed one account last year and removed it from my linked accounts. I have been making regular online payments with my linked account since then. Last week on the XXXX and XXXX, I made 2 online payments. I got notified, yesterday, that one payment was returned as NSF. I called the only line that helps with XXXX issues, which is based overseas. The agent insisted I made a payment with the old checking account even though he admitted I only have the current account linked.They would not admit they had some glitch that caused the malfunction. Today, I logged onto my app and found a second payment, on the XXXX, had been returned. I called the same number and a supervisor blatantly accused me of using the old closed account to try to pay the balance. I have tried 5 other numbers and an online chat only to be sent to the same overseas customer service They have all admitted I have only the active account linked but insist I am the one magically making the old account be submitted. I did no wrongdoing and am adamant that I should not be paying return fees for this since I did not even have the option of selecting this old account in my payment options. It seems like a scam and Target is employing customer service agents that are promoting fraud. They know I couldn't have done this but are penalizing me because they don't want to find out how this is happening when it shouldn't be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX closed my account without any knowledge. After the last payment was made they immediately closed my account. 

I contacted XXXX and they stated they have the right to close accounts if they see it deem fit.

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 2020-08-15 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: Nelnet, Inc.
State: MI

Complaint narrative:
I have a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Earlier this year, Capital One sent me a bonus promotional offer to open a 360 Savings Account. They offered new customers a {$500.00} bonus for maintaining {$50000.00} or more in a online savings account for 90 days. According to Capital One 's promotion, the {$500.00} bonus would be paid within 60 days after all requirements were met. 

I opened a new 360 Savings account on XX/XX/20. A deposit of {$50000.00} was credited to the account from another institution on XX/XX/20. This was within the " Initial Funding Period '' mandate dictated in the small print ( within 10 days of opening the account ). My balance was kept at {$50000.00} or more for over 90 days from the time of my deposit. 
On XX/XX/20, I shifted my account balance to another external high-interest savings account ( more than what CapOne was offering at the time ). Again, this was more than 90 days after my deposit was completed on XX/XX/20. 

I called Capital One on XX/XX/20 to check on the status of the bonus, which was the 60th day after all requirements were met. Capital One is now saying that I did not keep my balance at {$50000.00} or more for 90 days XXXX even though I did XXXX. They are stating that the " Initial Funding Period '' began on XX/XX/20, but no where in the promotional offer does it state, disclose, or clarify WHEN & HOW the " Initial Funding Period '' begins or ends. The bank 's advertising and small print does not state or disclose that the Initial Funding Period continues even if you make a deposit a day or two after opening the account. I made a deposit as soon as I opened the account. The 90-day requirement should have started the day ( or the day after ) my deposit was completed. 
How would a customer CLEARLY know and understand that the 90-day " clock '' began ticking AFTER the 10th day of the " Initial Funding Period? '' How is this explained and disclosed to the average U.S. consumer? Based on their disclosure, I was led to believe that the " Initial Funding Period began as soon as the bank received my {$50000.00} deposit XXXX XX/XX/20 XXXX. No where in the bank 's small print does it state when/how the 90-day mandate begins after the initial 10 days of opening the account. This was intentionally vague to mislead the customer. Based on what the bank is now saying, it's actually MORE THAN 90 DAYS, which is extremely misleading to the average consumer. 

I would not be filing this complaint had Capital One clearly stated & disclosed that the 90-day period began AFTER the first 10 days ( and not the deposit date ). Shame on Capital One for not spelling this out to consumers. Not only is this bait & switch, but I considered it be fraud and negligence. 
I will be filing a Small Claims suit if Capital One does not pay out this {$500.00} bonus. 
I am disappointed in Capital One for knowingly misleading customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX  XXXX XXXX sending written statements to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America actually helped me a bit at first and I was able to pay them some. 
Trying to pay them again but it is going to be impossible since the Social Security administration will not make a payment to me this month or for three months for that matter. 

It apparently takes 3 months to change account information with Social Security Was trying to contact them via a message or chat but that is not available apparently for low life people like me. 

In short i was trying to inform them that m, y, social security checks are being delayed due to yet more government bureaucracy and the inability to process informatioin provided in a timely manner. 

As it is they will likely go nuts and refuse to wait. 

I will pay but I can't pay what they want right this second. 

There are problems caused by the COVID-19 pandemic and those trying to profit off is that are kiling my income adn social security administration is slowing things down to the point that I'm not sure I will be able to get food

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I contacted American Express requesting assistance with the number of late fees incurred during COVID-19 and they refused to retroactively credit my account. I have been unemployed and struggling to make payments like many Americans but this company refuses to acknowledge that there is a serious problem and that it will accommodate customers during a financial hardship. I have worked with other banking institutions who have removed all late fees during the COVID-19 pandemic and have taken steps to request even a deferment. I would like that American Express to honor its oath not only to American but to XXXX who put there XXXX XXXX XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is regarding past complaint # XXXX The company obvious did not READ my complaint so I specifically request this be sent to a SUPERVISOR who can actually read and address the actual complaint. All they did was send me the regular instructions for unfreezing my credit. As the original complaint explained, I followed those steps one by one with no results. I tried calling. No human answered. I followed the steps of answering the security questions. I tried everything, even using my personal CODE that had been sent to me in the mail. The problem was that NONE OF IT WORKED. There has got to be a quicker system for when you need to quickly freeze or unfreeze your credit for a purchase. This is, by law, supposed to be a free service. Please advises.

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 2020-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Letter was sent via priority mail on XX/XX/2020 requesting my date of birth to be corrected. Supporting documents were sent such as my drivers license and birth certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent letters out certified over 70 days ago and no one has reached out to me. This is not right and I fell taking advantage of.

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 2020-08-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a XXXX delivery of 2 home security cameras from XXXX XXXX. The shipping label contained my home phone #. I did not place this order. I called the customer service # on the packing slip. They wanted to know my email address and said that it did not match the email address that they had for the order. All other info matched : name, address, home phone. They instructed me to call TD Bank Retail Card Services as  they have a financing partnership with them. I called and was prompted for last 4 digits of my SSN. The system stated balance due of {$130.00} ( the cost of the cameras ) with remaining credit of {$4000.00}. I requested a service rep and waited on hold for 6 hours with no answer. My husband sent assistance request message on XXXX XXXX. No response. I called again on XX/XX/XXXX and on XX/XX/XXXX was placed on hold for several hours on both days. I called TD Bank retail branch on XX/XX/XXXX and again on XX/XX/XXXX and was advised that TD Retail Card Services was a separate entity and branch has no access to this info. They told me to keep trying the customer service # for TD Retail Card Services. I checked my Experian credit report which shows a hard inquiry on XXXX for TD Retail Card Services. My credit reports from XXXX and XXXX do not show the same inquiry. The package was shipped on XX/XX/XXXX. I filed a police report with my local Police department on XX/XX/XXXX. Identity Theft Report ( #  XXXX ) was also filed with FTC on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I have a loan with XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Creditor- CREDIT ACCEPTANCE CORP After vehicle was sold to me and later found out that it was a bad deal because vehicle could not drive shortly after getting it, Creditor told me that they were write off the loan. A few month later the loan showed on credit report as charged off that hurt my credit score. Years later on XX/XX/XXXX my score dropped 114 points, when i checked report it said that Credit Acceptance Corp, change the remarks on my credit and started reporting the account from charged to 30 days late. the loan was opened XX/XX/XXXX. Credit report shows 32 charge off status reported. 

Creditor is reporting inaccurately on my report that is hurting my credit. Account went from reporting 32 charge off payment status to reporting 30 days late on XX/XX/XXXX. 

I would like this to be reviewed and or reported correctly/deleted.

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 2020-08-15 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
The company I am filing a complaint against is ARS Collections ( Advance Recovery System ). I received a letter from ARS collections on Thursday XX/XX/2020 with the intention of collecting a debt that I am not responsible for. On Friday, XX/XX/2020 I contacted ARS collection and spoke to a representative. I explain that this is not my debt and it was sent in as if I accumulated the debt. He said there wasn't anything they could do, they just go by what was sent in to them. I would have to talk to XXXX XXXX XXXX XXXX. I asked to speak to a higher authority, left a name and number, but hasn't received a return call as of yet. The Nursing Facility " XXXX XXXX XXXX XXXX XXXX took my mom in under false pretense. Her attending Physician recommended that she go to this facility for 90-100 days of swing bed care. They tried to sign her up for long time  nursing home. When we were suddenly aware that they was not providing swing bed care we took her out. The administrator told me that since I was taking her out that I was going to have to pay the bill. Being very vindictive, she said that I was going to have to pay the bill or she will garnish my check. She sent unofficial statements twice a month with handwritten messages. Finally she sent my name to the collection agency as if this was a debt accumulated by me. Now ARS is jeopardizing my credit with my mother 's bill which was suppose to be taken care of by Medicaid and Medicare. the statement from ARS is in my name, with my addres and the bill is {$9100.00}. The attachments clearly shows that these are not my bills. I am not my mother 's power of attorney and I am not responsible for her bills.

Company response to consumer: Closed with explanation