vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This is not a duplicate. 

On XX/XX/2019 I tried to open an account with TD Bank due to their advertising a {$300.00} promotion for new customers. I had never before had a bank account with TD Bank. I was unable to complete the account opening due to problems with TD Bank 's web site. On XX/XX/XXXX I again tried to open an account with TD Bank and was successful. 

When I logged in to the account, it showed that my first attempt to open an account had in fact worked, although there was no way for me to know that. As there were now two open accounts, I asked TD Bank to close one of the accounts, and complied with the requirements to receive the bonus. 

TD refuses to pay me my {$300.00} bonus because they say that I was not a " new '' customer when I opened the XX/XX/XXXX account, due to the XX/XX/XXXX account being ( unknown to me ) open. 

I opened the account specifically in response to their ad for the bonus, and complied with the spirit of the requirements to receive the bonus. It is ridiculous for TD to claim that I was not a " new '' customer because of the XX/XX/XXXX account of which I was unaware and which was never funded and had no transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have the Bank of America 321 card. You are able to select which category you want to earn the 3 % on. I needed a new roof so I looked into all my credit cards to see which one I would get the best cash back on. Since I was able to select 3 % towards home improvement this card was my best bet. So I set the category and made my charge ( this happened in XX/XX/XXXX or XX/XX/XXXX ). The roof cost {$7500.00}, so I was supposed to get a decent amount back. {$2500.00} at 3 % and the rest at the normal rate. But that was not the cast, none of it earned at 3 %. So I called BOA and asked them to look into it, they told me that the charge came through as construction, so thats why it didnt work, but they would have their back office team look into it because it was clearly for a roof, which is obviously home improvement. Well a few weeks later the back office group sent me a letter saying they werent going to do anything and that my rewards earned correctly. But the problem here is deceptive marketing. What the XXXX is considered home improvement if getting a roof isnt? It doesnt make any sense. I have plenty of other credit cards that I would have used that would have gotten me a better rate if I had known I was going to get screwed by BOA. And now Ive had to spend all this time trying to get like {$100.00} from them. Which is really a drop in the bucket when you consider the amount of money they are making off of people. I just want the 3 % back they are marketing people will get. I dont think thats too much to ask for.

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 2019-12-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Upon checking my credit report, I have several unauthorized inquiries. 

Capital One, XX/XX/2019 XXXX XX/XX/2019 Capital One XX/XX/XXXX XXXX Capital One XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCE CORPORATION
State: SC

Complaint narrative:
SECOND REQUEST : 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 explanation
Consumer complaint received 2019-12-26 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I purchased a sandwich at a XXXX restaurant operated by XXXX on XX/XX/2019. The charge should have been {$7.00}, instead I was charged {$77.00}. I did not see this on the receipt I signed - I don't deny that it probably WAS there, but there was a line and I was trying to get out of it as fast as possible. I was verbally informed that the cost was {$7.00}. 

I attempted to resolve this directly with the bank when I discovered the error several days later. I filed a dispute for the difference. 

The dispute was denied in mid-XXXX. I called the bank and they told me that they did not contact the merchant at all. Their decision was that because the card was present the charge was not in error. 

Seriously? What is the point of a dispute process if the bank won't even do the bare minimum?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northern Resolution Services
State: AZ

Complaint narrative:
On XX/XX/XXXX, a company known as " Northern Resolution Services '', XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, called my cell phone from an anonymous number, and left a message. The message stated that the individual was going to " issue legal documents to my home or place of employment '' and to call " XXXX '' to rectify the situation, leading me to believe they were some type of process server. Upon calling the number, I was told that they were trying to collect a debt in the amount of {$2300.00}, for a company called " XXXX XXXX XXXX XXXX ''. They wanted me to pay them via credit or debit card over the phone. I requested that they send me verifiacation of the debt, which has not happened. Upon calling " XXXX XXXX XXXX XXXX '', that company confirmed to me that I once took out a {$350.00} loan from them in XX/XX/XXXX, and that loan was paid off completely, in it's entirety, over two years ago. They also recommended that I not give the " debt collector '' any money or information, and that they would be willing to verify my information to any law enforcement agency or government agency that inquired, that the " debt '' does not currently exist, nor did it ever in the amount specified by " Northern Resolution Services ''. This company has numerous complaints against them online for the same reasons, and also has an extremely similar name and geographic location as another company, called " Northern Resolution Group '', that was fined and shut down by the New York State Attorney General for similar illegal debt collection activities. Upon confronting the company via phone, they denied any wrongdoing, and refused to discuss the situation any further. I have both the message left on my phone, as well as the subsequent phone conversation with " Northern Resolution Services '' recorded, and can make them available to you if needed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. On or about XX/XX/2019 ; I was lost my paycheck that had an issue date of XX/XX/2019. The check was made out to me and had NOT been endorsed. 
2. My check was deposited or cashed by another person without my knowledge or permission. 
3. I have talked to the local branch of JP Morgan Chase and wrote a letter to the local regional head in XXXX to seek restitution for the check that was illegally cashed/deposited. The branch told me they do anything since this would break privacy regulations since the bank did not know how the check was cashed or deposited in branch or on-line and that I would have to follow-up with the check processor XXXX, or my employer XXXX 's. 
4. I talked to my employer about this twice and my employer has sent notices to XXXX, but there has been no reply. 
5. I reported this to the XXXX County Sheriff, but there has been no update since the report was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: KEYCORP
State: UT

Complaint narrative:
On XX/XX/XXXX I purchased " XXXX XXXX XXXX XXXX XXXX XXXX for 5 Users, XXXX, Download ( XXXX ) '' from XXXX. I installed the software on a couple of computers and realized that I needed to purchase an additional license so I would have 6 users. 

I contacted XXXX  and they told me that I could not add an additional user to the license that I had already purchased. They said that I must purchase a new license ( for 6 users ) from them and that XXXX would give me a refund for the 5 users. I purchased the new 6 user license from XXXX and they told me that they cancelled the license purchased from XXXX. I finished installing on all 6 PCs and everything works just fine. 

I contacted XXXX to get the refund for the license that I can no longer use and they tell me that absolutely, under no circumstance can they offer a refund on " downloadable content ''. The truth is, XXXX is not selling XXXX  as downloadable content. The software is free to download from XXXX. It just can not be used for more than 30 days without a license. So I am stuck. XXXX will not give me a refund. What to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 Synchrony/XXXX  XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.

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 2019-12-26 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: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 Trustmark Bank XX/XX/2019 I did not make ANY of these inquiries.

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 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Date : XX/XX/2019 Time : XXXX I requested all three of my annual credit reports from XXXX at once, but was only allowed access to the XXXX  report. After viewing the XXXX  report I clicked the view next report button where I was taken to a screen with the logos of the credit reporters with a blue checkmark by XXXX  and XXXX  and a green checkmark by TransUnion, I clicked on the logos and was not taken to any other reports. When the XXXX  report was closed I was not led to any other reports and was denied resubmission to see the two other reports. I had the webpage continuously for less than 20 minutes and did not leave my computer unattended for the session to time out.

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 2019-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I AM NOT LIABLE TO THOSE INQUIRIES AND WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE REMOVE OFF MY CREDIT REPORT

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 2019-12-26 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:
Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

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 2019-12-26 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: FL

Complaint narrative:
Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

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 2019-12-26 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: FL

Complaint narrative:
Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I AM NOT LIABLE TO THOSE INQUIRIES AND WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE REMOVE OFF MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/2019 I submitted a dispute with XXXX  Credit Bureau for a collection account, Hunter Warfield ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
XXXX  will not remove this account and the original creditor XXXX XXXX and collection agency Hunter Warfield has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but XXXX has refused.

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 2019-12-26 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: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
Target RedCard promised to delete my account once I paid it off. They broke this promise and the information on my credit report is still there. I have tried calling this department, but the agents are rude, laugh at me, and hang up on me. Very terrible customer service and a terrible representation of Target Stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: CA

Complaint narrative:
I have my mortgage paid by the company Earn Up. Every 2 weeks they deduct {$620.00} from my checking account to pay my leader ( XXXX XXXX ) so that I make 2 additional payment a year. On XX/XX/XXXX they deducted the payment of {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ) on XX/XX/XXXX the deducted another {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ). See Attachments When I called Earn Up I was told that neither payment cleared the bank and that I needed to send them the proof that they did clear. On XX/XX/XXXX I e-mailed them copies of the statement from XXXX XXXX XXXX XXXX showing both payments had cleared even though the second payment over drafted my account by {$540.00} and I received an over draft charge of {$36.00}. 

I have called Earn Up every work day talking to the following people ; XXXX, XXXX, XXXX, XXXX and XXXX to name a few. I can never talk to a supervisor since they are always in meeting and even though I've requested a call back I have never received one. 

My account has now been suspended with no idea as to when or if they are going to pay my mortgage payment for XXXX. According to my bank they have received {$1200.00} and I have now been charged {$54.00} in bank fees. I have deposited into my account with XXXX XXXX XXXX XXXX funds to cover the over draft of {$600.00} so that I will not receive any more penalties.

Company response to consumer: Closed with monetary relief