vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been charged a {$15.00} service fee in a savings account for over a year. I had NO IDEA I was being charged this fee. I contacted the TD BANK at XXXX XXXX XXXX XXXX XXXX NJ XXXX and spoke with XXXX, a Manager there. I explained that I am on social security and had no idea that any savings account would have ANY service fee let alone a {$15.00} per month one. That I wished to have these fees returned to me. She was not helpful or customer friendly at all. In fact I would say she was condescending toward me. She dredged up that when I opened the account a year ago I knew what type of account I was opening, etc., arguing with me. SIDE NOTE I moved to the area a year ago and received a post card from TD saying open a savings and checking account at TD and get a bonus. I did so and when it was time for the bonus to be given I had to argue with this same manager to receive it. Todays issue She then said they would give me half of the fees back {$60.00} vs {$120.00} ). I agreed to this and asked her if now my accounts would both be straight and that I will not be charged in the future? She really did not know, then proceeds to ask my age ( XXXX ). She then informs me that when I turned XXXX ( XX/XX/2020 ) my accounts should have automatically switched to a no fee account. That did not happen. I also had to argue with this bank three weeks ago along the same lines with my checking account as they were charging me {$25.00} in fees. I feel as though I have been unfairly and deceptively steered into products with hidden fees of which I knew nothing about. I do not appreciate this managers poor customer service or the way she spoke to me. I would like all the fees returned to me. She wasnt completely unprofessional in her manner in speaking to and arguing with a customer. Here are my account numbers : checking XXXX savings XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the Equifax data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint against JP Morgan Chase Credit Cards. It is still falsely reporting incorrect information regarding missed payments and derogatory comments on my account in spite of repeated assurances that this issue will be taken care of and the account will be purged and information reported will be rectified. I have made numerous efforts to resolve the issue with JP Morgan Chase to no avail. Not only is the customer service extremely rude but have consistently made false promises and inconsistent statements to assure and pacify consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I am being called for someone elses debt. Ive called the number to request I be removed from their list and I am continually harassed for debt that isnt mine. It needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Synchrony Bank concerning my sleep number account. The letter stated my account was closed based in part on a credit scoring system that was used to PREDICT my creditworthiness. Is profiling appropriate or legal on a account that is in good standings with a XXXX balance? 

I have never been late on this account with Synchrony Bank, further the several thousands dollar purchase was paid off in full, never late and my credit limit with Synchrony Bank was increase without my asking/solicitation due to my account in good standings. My mortgage, auto, credit cards and other bills are all in good standings so why? 

The company was contacted and unwilling to reopen my account thus directly NEGATIVELY impacting my credit score and worthiness without justified cause. I have a total of THREE accounts with Synchrony Bank and ALL are in good standings and two of the three have a XXXX balance. Does this make any sense? 

My account as been paid in full since XXXX and I have maintained a XXXX balance. It is my belief the actions taken by Synchrony Bank are unjust, a unethical business practice and one that harms consumers as there decision and action without due cause will impact my credit score adversely.

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 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
Purchases were made that were not authorized by me and the company failed to properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my XXXX and XXXX reports but was told that I had to mail in a request for Equifax. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX  report and was told I had to mail in requests for Equifax and XXXX. 

I'd like to obtain my most recent Equifax and XXXX reports online. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
The mortgage was paid off by the federal assistance program, Hardest Hit Alabama, in XXXX. 2019. Instead of applying the payoff amount when received, XXXX XXXX ( formerly PHH ) carried it into XX/XX/XXXX. 

Consequently, XXXX XXXX, has held, refused to refund, and collected interest on our escrow of $ XXXX and applied it as a late payment. 

XX/XX/XXXX - XXXX Total Balance Due. 
XX/XX/XXXX - {$2000.00} Total Balance Due. 

There shouldn't have been anything that came out of the Escrow as we had switched insurance and paid XXXX directly. 

I encourage them to look into account history XXXX loan # XXXX XXXX as it should be well-documented due to the number of calls and written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I have received calls and email threaten me about the legal actions and lawsuit. Resist to tell me how much debt i owed and the name of the company. I asked them to send a debt validation to my address and they said you no need to worry about it. They also called my sister to locate me and saying they will send a cop to my sisters address or mine. This made me stress so much not knowing what to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CT

Complaint narrative:
this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.

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 2021-01-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.

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 2021-01-07 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my Experian and XXXX reports but was told that I had to mail in a request for XXXX. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX report and was told I had to mail in requests for XXXX and Experian. 

I'd like to obtain my most recent XXXX and Experian reports online. 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 non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase Disconnected my account and deleted all the corresponding verification emails. This company has a history of unethical and deceptive tactics as well as zero human customer service interaction. The CEO is a billionaire who I have my own suspicions about. This is the second time they have costed me over XXXX $ in damages. They freeze and suspend accounts for their own personal profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent Experian a Certified Mail article tracked by the United States Postal Service ( USPS ) tracking system a letter RE : UNAUTHORIZED INQUIRY from XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. I reviewed a copy of my credit report XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX. XXXX XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I asked Experian to Please contact I reviewed a copy of my credit report XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and investigate such an occurrence. Today XX/XX/XXXX, Experian sent an email asking me to call an 800 number about my credit dispute. I called and was informed by Experian rep, that they do not dispute unauthorized credit inquiries. I was told I had to contact the creditors on my own and asked them to remove the unauthorized credit inquiry from my credit report. Im sure this is an FCRA violation, FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. I understand that you handle consumer reporting complaints about report accuracy and completeness errors, and other consumer reporting topics, such as, if you are dissatisfied with a companys investigation of an earlier dispute if you believe your consumer report was used improperly.

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 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Account Info XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX Employers XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
KIMBALL TIREY ST. JOHN has reported an erroneous collection to my credit report ... Supposedly collecting for XX/XX/XXXXXX/XX/XXXX I have requested validation of this debt on XX/XX/XXXX via certified mail, but did not get a response back from them until after end of XXXX .... In their attempt to validate this debt they provided ledger ( hand written XXXX from XX/XX/XXXX but NO signed contract or proof of previous notice of collection at all ... I contacted XX/XX/XXXXoriginal creditor who could not even find this account and with my findings I responded to Kimball Tirey St John with no avail from them .... they are still reporting this erroneous collection on my credit report and have been reporting it since XX/XX/2018 however docs they provided shows they did NOT purchase this collection until XX/XX/2018 ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have deposited Check for the amount of {$13000.00} on XX/XX/XXXX and its been cleared as of today XX/XX/XXXX, this payment was part of Profit Sharing from the company ( XXXX XXXX XXXX ), they suspect its a fraud, the checked have been cleared and also deducted from XXXX XXXX XXXX XXXX XXXX XXXX. 

They Shutdown my account since they could not contact the authorized person of XXXX XXXX. I have been banking for a while and have direct deposit with them, never do anything shady whatsoever and they decided to close my bank account only because of this one large deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MA

Complaint narrative:
THIS IS NOT A DULICATE COMPLAINT BUT XXXX REACHED OUT FOR COVID RELATED HARDSHIP ON XX/XX/XXXX WAS PROVIDED INTREST EXT ON LOAN ENDING XXXX//XXXX  SAID CALL BACK ON XX/XX/XXXX AND WILL GET ASSISTANCE THE SAME ON LOANXXXX .CALLED TODAY WITH XX/XX/XXXX @ LENDING CLUB GOT NO SATISFACTION / NO ASSISTANCE/ REQUESTED ESCALATE I HAVE TAKEN XXXX PAY CUT AND TAKEN IN 2 DEPENDENTS WITHOUT BENEFIT OF SUPPORT /CALLED AGAIN REP OFFERES PLACE IN A MODIFICATION WITH NEARLY SAME PAYMENT!!! I HAVE TAKEN A XXXX  YEAR PAY CUT DUE TO COVID AND TAKEN BACK 2 DEPENDENTS DUE TO COVISD WITHOUT BENEFIT OF SUPPORT DUE TO COVID, NO ONE WILL GET PAID IF THIS IS THE WAY THEY PLAYING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Premium Credit Bureau
State: FL

Complaint narrative:
On XX/XX/2020 premium credit bureau received my letter certified mail ( XXXX XXXX ) the manager.there office received my letter in response to an inquiry that has been placed on my consumer credit profile. I've asked premium credit bureau to provide me with proof that I gave authorization or consent to this inquiry on XX/XX/2020 and yet they have not responded and they are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is with regard to the XXXX XXXX XXXX Credit Card Account Number ending is XXXX for XXXX XXXX XXXX. I have previously disputed the following charges as per fax in XX/XX/2019. These charges were removed from the account but has been reversed back into the account. These disputed charges total {$4000.00}. 

Also, I was told by Amex Customer service that the late fees and interest charges put on the account related to these charges will be removed in 2019 but they were not removed. Those charges total {$370.00} in late fees and {$2500.00} in interest charges. Hence, I am disputing a total of {$7000.00} in charges ( {$4000.00} in disputed charges, {$370.00} in late fees related to these disputes, and {$2500.00} in interest charges related to these disputes ). 

I was told by American Express that theses charges will be removed as soon as possible but the account was instead put into collections and charge-off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
For the XXXX XXXX XXXX  complex, I moved out on XX/XX/2019. Rent was only {$840.00} plus utilities which equated to about {$950.00}, which wasnt paid since I moved out for XXXX and XXXX. If thats only 2 months and I had a deposit of {$840.00}, nor did I have any pets or animals and I cleaned the apartment before I moved out. Theres no way I owe {$4000.00} for 2 months. There was no damage to the unit either and all keys and gate openers were returned. I feel that I am being over charged for this broken lease. I have intent to pay but only what I owe.

Company response to consumer: Closed with explanation