vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a TD checking/savings account on XX/XX/XXXX with a promotion which would give {$300.00} to the new checking and {$200.00} to the new savings when the criteria is met. I got the {$200.00} bonus for the savings a long time ago but I haven't received the checking bonus. when I contacted this bank, I was told I was ineligible because I had got a bonus in XXXX. Based on the terms when I opened the account, the bank stated that : Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD bank within the preceding 12 months. I did not have any TD bank checking within the preceding 12 months so I should be eligible for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: MA

Complaint narrative:
Dear XXXX and Equifax ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a XXXX credit account in " terminated account status '', which I've called both Equifax and other credit reporting agencies along with XXXX that I have no knowledge of this old XXXX account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the Equifax report. However, i spoke with XXXX  and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done! 

I do have an active account with XXXX right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
AN ACCOUNT FROM COMENITY BANK EXPRESS WAS OPENED ON XX/XX/2017 IN THE AMOUNT OF {$300.00} DOLLARS. I HAVE TRIED TO WORK DIRECTLY WITH THIS COMPANY SEVERAL TIMES ASKING FOR ORIGINAL SIGNATURE ETC. THEY HAVE NOT RESPONDED AND CONTINUE TO KEEP THIS FRAUDULENT ACCOUNT ON MY XXXX  CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/2020, I setup a hardship payment plan with PayPal credit. In agreement with the plan, an auto payment was setup monthly of {$110.00}. PayPal has charged me {$40.00} late fee each month, despite the payments being on time. I contacted them to get a refund for the late fee from as far back as XX/XX/2020, and they 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 monetary relief
Consumer complaint received 2021-01-24 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: DISCOVER BANK
State: MA

Complaint narrative:
Dear Discover and XXXX ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a discover credit account in " terminated account status '', which I've called both XXXX  and other credit reporting agencies along with Discover that I have no knowledge of this old discover account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the XXXX report. However, i spoke with DIscover and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done!

I do have an active account with Discover right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is listed on my credit report twice. They sold my collection to another agency and that agency is listed on my credit report as well. This is listed on my XXXX  credit report. I have tried contacting Capital One several times about this unfair collection practice. However, they have not removed this from my credit report. This is hurting my credit report tremendously. Further I have an auto loan with Capital One. I have requested for my account to be evaluated upon Goodwill several times, and they have not taken into consideration certain circumstances that I had to deal with in my life and they aren't helping my credit situation during these times of COVID. This has affecting myself being able to provide a home for my children and CapitalOne does not care. I would not recommend to anyone doing business with them. They have no compassion for their customers in times of need and pandemic. This company 's main focus is to keep people from being able to have anything. Do not do business with these people. They do not care about you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY XXXX  CREDIT REPORT..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: AL

Complaint narrative:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove 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 2021-01-24 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: AL

Complaint narrative:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
The lender ( https : //www.myloancare.com/ ) has not paid property taxes from the escrow account. I have raised 2 tickets with the lender with the tax bill attached and called them 4 times in XX/XX/2021. They do not respond to the online tickets and on the call I get a different response every time. 

The tax deadline is XX/XX/XXXX and I am concerned they will not pay in time and I will be stuck with the penalty as well. 


I have attached the receipts for the 2 tickets I have raised with the lender and the tax bill.

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 2021-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Enhanced Recovery Company , LLC, Doing Business As, ERC Reported a false balance onto my credit report that I DO NOT OWN in the amount of {$1300.00} on XX/XX/XXXX by there client XXXX. 


I CONTACTED ERC on XX/XX/XXXX and ERC Agreed to summit deletion request with all credit bureaus involved. ERC sent a letter via email stating the account will be removed with a confirmation number for the deletion XXXX As of XX/XX/XXXX ERC continues to report false and inaccurate information onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-24 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: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY EXPERIAN 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 explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Last year of XX/XX/2020 my car disabled and I dont know whats wrong so I decided to fix it and spend a XXXX of money and I found out that they put a tracking device to disable the car without my notice and evading my privacy. They repossessed my car and the two repo has no mask while they talking to me last two week and no papers to provide. I paid {$500.00} to my loan last XXXX and I miss payments on XXXX coz of covid. Im about to make payments on XXXX but they repo my car on the XXXX and my due date is on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother, XXXX XXXX XXXX ( now deceased ) received two checks from Wells Fargo because of a legal dispute and settlement with the Consumer Financial Protection Bureau and the OCC. The first check was for {$8300.00} ( tracking # XXXX XXXX. The second check was for {$1300.00} ( tracking # XXXX XXXX. 
I contacted Wells Fargo to let them know my mother was deceased and they stated they would reissue the checks ( from two different departments ) but they would need a copy of my ID and a copy of my mother 's Will. 
I sent them a copy of my social security card, drivers license, marriage license showing name change and a copy of my mother 's Will. 
They have still not sent a check for the {$1300.00}, stating there are other names on the Will. 
XXXX XXXX XXXXdeceased XXXX XXXX XXXX XXXX XXXX-my brother ( to receive cash that was in my mother 's saving account only. The remaining estate to be divided between my sister XXXX XXXX and myself. 

The first check was sent to me XX/XX/2020 in the amount of {$8300.00} in my name and my sisters name. 
I have made numerous attempts to contact my sister through email, phone and text. She will not respond to meet me at the bank to cash this check. 

My complaint is : When I contacted Wells Fargo to have them cancel the check for {$8300.00} and reissue two checks, one to my sister and one to me, in the amounts of {$4100.00} each, they stated they can not reissue the check. I asked them if I'm just out {$8300.00} and the representatives response was YES. 

The second check for {$1300.00} is still being evaluated due to multiple names on my mother 's Will. 

I would appreciate any guidance you can offer in this matter. 

Thank you, 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 2021-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase Bank failed to logically and properly respond to the Original Complaint ( CFPB Complaint Number : XXXX ; JP Morgan Chase Case Reference Number : XXXX ). Please see below. We are requesting that Chase redeem a legitimate Certificate of Deposit in accordance with its terms and conditions. The Chase response offers speculations, some without foundation, and does not resolve the simple action of redeeming a modest CD. 

1. Chase comment : We researched the information you gave us, and we are unable to locate any information on the account you provided.

1. Our response : Because Chase can not locate any information does not mean it doesnt exist. We provided the actual CD to bank representatives and a pdf of the CD with the original complaint. Because the CD is a certificate and NOT an account, the bank should not expect to find an account number.

2. Chase comment : The account may have been closed because of our seven-year retention policy.

2. Our response : Because the CD was perpetual and not redeemed, the bank should not have deleted any records. Deleting records of a legitimate obligation is not appropriate. Further, there is no account to close just an obligation to adhere to the CDs terms and conditions.

3. Chase comment : Please contact the state that the account was opened in or go to missingmoney.com to try to locate any further information.

3. Our response : The original complaint explained, in detail, that we contacted the State of Indiana, and was directed to the Attorney Generals Office. That office stated that the Bank had not transferred any funds to the missing money fund and thus the Bank had an obligation to honor the CD. It appears that the JP Morgan Chase action officer failed to read the details of the original complaint. 

4. Chase comment : If you have questions, please call us at XXXX and reference case number XXXX XXXX. Our response : Four phone calls were made to this number and we were directed to Mr. XXXX XXXX. We were told that he would return the calls. Messages were also left on his voice mail box. We never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A LOAN WAS OPENED FROM XXXX XXXX ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.

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 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Is reporting on my credit report that I owe the money however, they do not own my debt. I have contacted them several times to make payment and they tell me that they do not own my debt any longer and that I will need to pay someone else. This is incorrectly reporting on my credit as I do not owe this company. I have disputed this item with the creditor but they continue to report this incorrectly and damage my credit during this pandemic. I will not do business with Discover in the future under any circumstance and I don't advise that you do either in that they will sell your information and then incorrectly list the debt on your credit report. Run!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: ME

Complaint narrative:
I bought a truck in XXXX of XXXX with my mother cosigning for me. Everything was in perfect order until Covid-19 hit. I called State Farm Bank to see if I could get a deferment. They gave me one for XXXX, XXXX, and XXXX XXXX of XXXX ). I paid the regular payment in XXXX. I asked them again for another deferment ( and they gave it to me ) for XXXX, XXXX, and XXXX, XXXX. My next payment was due XX/XX/XXXX. I called and made a payment on XX/XX/XXXX. I waited and waited for them to take the payment out of the same account that I had been paying before Covid, for 2 and a half years. They never did. I was not aware that the company had merged with XXXX XXXX  in XXXX XXXX. It was around this time that I was beginning to see the issues this merge caused. 
I spoke with XXXX on XX/XX/XXXX and he explained to me that I could not use the account I had used for 2 and a half years, and I had to make the payment out of another account. I wasnt happy, but paid the payment. Reference number XXXX. 
I started looking into my account online, State Farm Bank. My account activity was crazy. 
The ACH payment schedule ( of {$360.00} ) from XX/XX/XXXX to XXXX XXXX All were made on time with never a late fee or mark on my credit! 
Then Covid hit. 
I asked for a deferment. State Farm gave me XXXX, XXXX, and XXXX of XXXX I paid {$360.00} on XX/XX/XXXX I asked for a deferment XXXX, XXXX, and XXXX. 
My payment for XXXX was made on XX/XX/XXXX. It was reversed XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Payment- they tried to take it out of my mothers account XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX Payment XX/XX/XXXX Payment I never knew any of this! Since I saw this, it was erased from my account. 
I talked to XXXX XX/XX/XXXX said i was paid up until XX/XX/XXXX. XXXX I talked to multiple with State farm Bank. I was the one calling to try and get this straightened out. They never contacted me. I talked to each of them at least 2 times. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was paid up until XX/XX/XXXX, then they took a payment out of me XX/XX/XXXX. I asked for a return, as it was taken out of the wrong account. Now they are telling me my payment is due XX/XX/XXXX and I dont think it is right. 

I want my record cleaned with this bank/merge. If the covid didnt hit everything would be fine. I was unable to get any loan for XXXX, and was turned down for any credit cards. 
I am furious with this, and wanted to get away from this bank, and no one can help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation