vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
Opened account and had {$500.00} direct deposit on XX/XX/2019 and no {$100.00} bonus has posted to my account. 

Terms say : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I used to have XXXX for my cable services, they took over my prior cable company. This Company continued to overcharge me and finally I decided to change Servicers. 
On or about XX/XX/ 2019, I had XXXX install and take over all my cable/internet and TV. I chose to keep my phone number which never was released by XXXX. This lost me my phone number that I had established for nearly 18 years. 

On or about XXXX, XXXX sent a bill and I paid all that was priorly owed for the time having services. I never had any remaining bill outstanding. 

Despite that I had no longer had their services, they knew this and continued to charge me and refused to stop charging me. I had filed two disputes and after filing with two complaints one with their own Corporate Office, which was never answered in any manner, and the other with Ca. State Agencies consumer protection. I assumed they finally realized they were billing me for services that I no longer had. 

XXXX appears to have hired a Debt collection Company named and has added a collection on my credit report. This Company never confirmed or showed proof of any such debt. This Company was informed that No such Account existed and XXXX continued to charge me. This is unfair and now having hurt my credit ratings and this is seriously effecting me. 

There was no services rendered and it was impossible as I had XXXX and now it appears they are backdating bills and all was paid prior to the switch to XXXX. 

Additionally, XXXX stated " they would pay '' any remaining charges to Switch. 
XXXX  never paid anything either. Now, this defeats the reason for switching was to lower bills. Not to double up on bills and receive less service. 

I placed a credit dispute to this Third Party Debt Collector and they provided that I had an Account. However, I DID NOT HAVE ANY ACCOUNT AFTER SWITCHING TO XXXX This Company is " out of state '' and has no phone number listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX. 

They are falsely representing that I owe a debt. This is on my credit as recent as XXXX XXXX 2019. Stating a false figure of XXXX They state I was delinquent in XXXX XXXX 2019 this is not true. They have provided No proof and there can be no true charges for services after I switched my cable/TV and internet. XXXX gouged me and I was tired of their games and unfair business practices. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I signed up for a credit Card thru Chase. The card was marketed as 0 % APR with NO fees. I recently traveled abroad and used the card or few purchases. Chase added 5 % transaction fees to the transactions in the latest statement. Upon confronting them about the issue, they are not willing to accept any wrong doing or willing to take off the fees. In addition to that, Chase is not willing to accept that they solicited false claims and marketing claims about the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: NY

Complaint narrative:
I opened a new TD Bank Cash Credit Card last XX/XX/2019 after receiving a pre-approved offer. I have excellent credit and have been receiving multiple credit card offers, but my main consideration was a 0 % introductory APR for purchases. I researched my credit cards well, and I know what I signed for.

Lo and behold, I scrutinized my latest account statement ( as of XX/XX/2019 ) and found that I was being charged interest for my purchases from Day 1. I then called up TD Bank Credit Card Services, and now they're telling me that 0 % introductory APR was for balance transfers, and not for purchases. I was in front of the computer while speaking to the customer service representative and found that the card has 0 % introductory APR on purchases. Source : www.td.com/us/en/personal-banking/credit-cards/cash-card/ The customer representative said that this promo does not apply to me since I applied in XX/XX/2019, and that promo is for XX/XX/2019. This customer representative 's statement infuriated me because I know what I signed for. I signed for a zero percent introductory APR for purchases, otherwise I would have opted for another card. I really felt defrauded, but my fault is that I could not find the credit card disclosure statement in my documents. I can not recall if I ever received one.

I am aware that 12 CFR Part 1026 ( Regulation Z ) XXXX requires banks to post credit card agreements on the internet. I searched the customer-facing website for cardholders ( www.tdcardservices.com ) and could not find the disclosure/ agreement that I need. I did a XXXX search instead, and found a disclosure statement, but the date is XX/XX/2019. 

I believe that as a matter of banking transparency, TD bank should : ( 1 ) make ALL credit card agreements available, including an archive of previous ones ( 2 ) make such agreements readily available in the customer website. I should not need to use XXXX to find the agreement, and ( 3 ) customer website should reflect front and center if there are interest rates being levied on the account. The Chase mobile app has this, and I have no complaints.

( 4 ) stand by their 0 % introductory APR offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AL

Complaint narrative:
This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by XXXX  after they had previously deleted it. Back in XX/XX/XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.

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 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
I lost my Wallet with my Social security Card, ID Card and Email information in it. My E-mail address has been hacked and I have been the victim of Identity theft, my social security number, driving license and some of my other personal information has been stolen from my Email address. I didn’t open this account and it's not mine. I don’t know who opened it. I am not responsible for this account. I just think someone misused my information but I don't know when and I'm not familiar with electronic stuff. But
maybe someone misused my personal information that is always in my wallet because lost my wallet multiple times. About my lawyer who was trying to negotiate for the settlement, I have to say, at that time I did not know what to do about it and I thought maybe lawyer can do something about it but this account is not mine at all. I was
desperate and did not know what to do. Someone may have opened this account with a fake ID. Also, I have never received any bank statement by mail
or via Online banking. And if anyone could have access to my information, they could have forged the signature which is on my driving license and use any other personal information which belongs to me. I have never done any payments. If there are some payments which has been paid by me, it is because I didn't want bad score to appear in my credit report, I knew it was a fraudulent account and I reported it to bank, but because I knew it will take some time for this matter to be resolved, I decided to pay a minimum amount so that I can keep my credit score high and protect my financial credibility, I didn't have any other intention beside that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: IN

Complaint narrative:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX  & XXXX  ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

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 2019-12-04 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: Recovery One, LLC
State: GA

Complaint narrative:
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a XXXX  car XXXX  in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/2019 XX/XX/2019 XX/XX/2019 there was fraudulent XXXX  charges on my checking account by my debit card XXXX XXXX XXXX XXXX which was cancelled by the bank. A new debit card which was issued on XX/XX/2019 by mail card # XXXX XXXX XXXX XXXX which I had received on XX/XX/2019 with letter stating that there was a breech and TCF Bank issued new card which was also used a day later. The amount that were charged to my account on XX/XX/2019 and XX/XX/2019 were XXXX XXXX XXXX XXXX. I filed fraud complaints case # XXXX and case # XXXX. Icalled TCF Bank today XX/XX/2019 and they denied claims stating I had charged these amount through XXXX and I didn't and I would not be receiving my money back. Now I am negative {$530.00} Checking account # is XXXX Thank you for helping My name is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone # XXXX I did call the XXXX XXXX  phone number that was given with charges and they will not take phone calls. The XXXX XXXX phone number was XXXX I am not able to print out my statement because they are changing there web at this time. They could only read it over phone to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Request for credit was declined based on inaccurate information, and inaccurate credit score. I am requesting to have the opportunity to open up credit based on accurate information. Making decisions based on inaccurate or incorrect information is discriminatory in nature.

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 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by Experian after they had previously deleted it. Back in XXXX of XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.

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 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
first citizens bank engage in willful deceit and fraud with respect to when they claim they attempt to clear checks vs when they say they attempt to clear checks. 

the difference is subtle but is all about extracting massive fees from their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Request for credit was declined based on inaccurate information, and inaccurate credit score. I am requesting to have the opportunity to open up credit based on accurate information. Making decisions based on inaccurate or incorrect information is discriminatory in nature.

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 2019-12-04 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: Global Lending Services LLC
State: FL

Complaint narrative:
I did not give Global Lending Services nor XXXX XXXX authorization to check my credit nor provide them with my personal information. Global Lending Service did not do thier due diligence by requesting a copy of a credit report from XXXX XXXX that bares my signature proving I authorized them check my credit. I have been in contact with Global Lending Services and XXXX XXXX, niether has produce a credit application with my signature. XXXX XXXX told me that they are not giving out me personal info. They told me someone stole my indenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I paid my mortgage through XXXX 's website on XX/XX/XXXX. hey pulled the money twice out of my XXXX Bank account. They refunded the second payment, but then took the money out again 1 day later. It took hours of phone calls, including a conference call with XXXX, to finally get te double billing efundd on XX/XX/XXXX. They are now saying I am deliquent on my mortgage and they have not received any payment for XX/XX/XXXX!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I purchased a pair of boots online using Paypal services. The boots arrived damaged and not as described ( big size and extremely poor quality ). I immediately got in touch with a seller but they ignored my requests to refund. I contacted Paypal and shipped the boots back the next day. After I have provided the tracking number but Paypal came back and said that the tracking number is untrackable. I went back to USPS and they pulled the receipt and let me know that the item was delivered a month ago. Paypal refuse to refund my money. I still have the receipt from USPS which sent to Paypal. Please help me to resolve my 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
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, Transunion & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX & Equifax ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

Company response to consumer: Closed with explanation