vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was logged into my TD Bank online account for my TD checking on XX/XX/XXXX. When exiting online session I was presented with online ad for the TD Bank XXXX XXXX  open a new TD savings, deposit $ XXXX in new money within 20 days and keep on deposit for 90 days to receive {$200.00} bonus. Sounded great so I opened online on XX/XX/XXXX. I made the $ XXXX deposit on XX/XX/XXXX in person and asked XXXX to confirm my eligibility for the promotion and she said I was " all set ''. On XX/XX/XXXX I sent a message thru TD Secure Message center as I did not see the {$200.00} promotional credit. I was told in a reply that the $ XXXX deposit was 6 days after deadline but that was not correct. On XX/XX/XXXX I told them to review calculations as I made deposit on day 17 before the 20 day deadline. They confirmed the calculation error and I was then told it should be credited later that night. It was not. On XX/XX/XXXX I called TD call center. XXXX said he agreed that conditions were met and didnt understand why it wasnt credited. Said he would escalate to XXXX  and it should be credited shortly. It was not. On XX/XX/XXXX I called call center at XXXX spoke with XXXX  but got unexpectedly disconnected. Called back at XXXX spoke with XXXX but got unexpectedly disconnected again. Called back a third time at XXXX spoke with XXXX who claimed there was no record whatsoever of XX/XX/XXXX call ( although I got an email Survey from TD Bank for the XX/XX/XXXX interaction ). I asked to speak with supervisor and was transferred to XXXX who now claimed that promotion was only eligible for brand new customers, not existing customers. I have screen prints of all promotion details that were presented during my online session and there is no notation that promotion is only eligible for new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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.

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I open account on coinbase couple days XXXX from account was transfer next day they try another XXXX but i didnt have insufficient funds so they couldnt when i email them sayings that they disbaled my account i open 3 cases every case after day or two is closed and sayong can not be restore please help there is no phone number to contact or anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prime Recovery LLC
State: CT

Complaint narrative:
For the past 2 weeks, consistently, Prime Recovery LLC has been calling and texting my father incessantly. I went on to their website to confirm my contact information with them and requested that they remove any other numbers or contacts associated with my file and to stop harassing my family and friends and it has not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: SC

Complaint narrative:
I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. XXXX, XXXX, and Transunion all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from XXXX, Transunion, or XXXX during the entire investigation process.

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 2021-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I was approved for an installment loan to obtain new furniture in XX/XX/2020. Due to my job loss because of being personally affected by having XXXX in XX/XX/2020 and then my job shutting down in XX/XX/2020, I was given the option to be put on a deferred payment plan. This required a notice from my job of being out of work due to XXXX. The problem started in XXXX, and then continued onward for the next several months. Each month, the finance company requested a new letter proving job loss due to XXXX. I had explained that since my job had been shut down, this was not possible for me to obtain. The company stated that they understood my position, but this was a rule that needed to be followed, and if I couldnt get a letter on a monthly basis from my closed job, that was my problem. I now have 5 late payments reflecting and since I paid this account off in settlement it is negatively impacting my credit. I was given a stipulation that I can settle the account for less provided I do not do business with the company in the future. I agreed and paid the settlement amount. Due to this all being started because of my financial hardship because of a declared natural disaster, and my agreement not to do business with Acima Credit in the future, I need for either the late payments to be removed and the account to reflect a paid in full status OR for the account to be removed from my credit reports entirely. I have XXXX intention of ever doing business with a company that is clearly not understanding and that lacks empathy for its customers. I did not voluntarily lose my job 8 weeks after I was approved for financing and it is unrealistic to obtain paperwork on a monthly basis when the business was shut down. I am making this complaint public, so that whoever may come across this complaint can choose whether or not to do business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # XXXX .... XXXX Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I complained about Experian and also about data that was wrong on my FICO score. It was never resolved, and then I realized you are part of the Experian. You should be ashamed of yourselves. I have credit and have paid for cars, two homes, and was sick for two months in 2016, and it is still held against me that once in my life, I got ill and missed a payment for one or two months ONLY. You are a XXXX sexist, ageist organization, and I hope you are reformed or shut down. Don't bother answering. I know you don't care. But go to XXXX. I feel better. Your parents must be so proud that they raised many con artists that prey on the poor and the elderly.

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 2021-02-28 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: GA

Complaint narrative:
I have contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from The general insurance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Alabama XXXX all on my Equifax report. XXXX credit on XXXX. XXXX XXXX  of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
XXXX was our mortgage servicer, at the one year mark, they sent a notice that our payment was to be moved to LoanCare, with a new LoanCare. During that time, we also received an annual escrow statement that our loan would be going from a payment of XXXX per month to XXXX. 

In the statement, it said we would have a shortage of {$290.00} annually that was the reason for the raise of {$880.00} per month. When we further examined the document, they had taken the entire amount we pay in taxes and doubled it, they had forecasted they would be paying XXXX in both XXXX and XXXX. We are now expected to pay {$880.00} more per month, none of it going to principal. They have also raised our projected Property insurance to XXXX from XXXX. 

My husband has called LoanCare XXXX multiple times and asked them to correct it, particularly the tax doubling, however, they always say they are aware and working on it but I must pay the full amount of XXXX tomorrow, which we will do. 

Can you help us get this resolved?

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 2021-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
I recently refinanced my mortgage on XX/XX/XXXX. I paid the new mortgage company ( XXXX ) on XX/XX/XXXX. However somewhere during the month of XX/XX/XXXX the new mortgage company XXXX XXXX took over. I never received the notice. XXXX XXXX is stating they didnt receive my XX/XX/XXXX payment and because my XXXX loan is closed they say the didnt receive the payment. I have proof of payment from XXXX, yet they cant get my money back. I am now out {$1300.00} and no one is getting the money returned to me. What can I do? XXXX prompts tell me the loan is closed and hang up. I have faxed them and sent a letter providing my proof is payment. Please tell me how I get my money back so I can pay XXXX XXXX. 

Thank you XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XX/XX/2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XXXX of 2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.

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 2021-02-28 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: TN

Complaint narrative:
I had a home loan thru XXXX XXXX XXXX while in a chapter XXXX bankruptcy, during the bankruptcy my house burned down and the insurance paid the home loan off in full. A couple months later after that loan was paid off my attorney converted my bankruptcy to a chapter XXXX. XXXX XXXX XXXX was not involved in this at all as they were paid in full and were no longer part of the chapter XXXX. They showed up on my credit report as " discharged thru bankruptcy '' which is of course hurting my credit. I have filed a dispute with Experian twice and both time XXXX XXXX XXXX have come back saying that the information is correct. They were paid off in XX/XX/XXXX and they are showing the discharge of debt as XX/XX/XXXX. Report Number : XXXX Date Generated : XX/XX/XXXX. 
XXXX XXXX XXXX Account Name XXXX Account Number Mortgage Account Type Joint with XXXX XXXX Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XX/XX/XXXX/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$30000.00} Original Balance {$0.00} Highest Balance 10 Years Terms XX/XX/XXXX On Record Until - Balance Updated - I can not get them to correct this mistake, can you please help?

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 2021-02-28 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: MS

Complaint narrative:
on XX/XX/2021 sent a dispute letter to Equifax and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I sent out a check on the first of XXXX which was the due date of XXXX payment. And it was not received yet. So when it did not cleared yet I made a payment over the phone thinking that the check got lost in the mail. The next day both the mailed in check and the phoned in payment got deducted from my XXXX XXXX account, which put my account in the negative by a lot. I called M & T bank to tell them the problem and they refunded my phoned in payment. Then they informed me that the check # XXXX was rejected on the XXXX or XXXX. Which was not true according to my bank. So XXXX payment never was credited to my mortgage. Which left me behind. And I am still behind. Can't catch up to the payments due do the lack of work. And can not refinance or defer because they reported to the 3 credit company 's of the late payments, Which my credit score is bad now. Hope you can help.

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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Financial  Corporation
State: CO

Complaint narrative:
I have diligently tried to ensure everything on my credit report was correct and paid. There are now 3 negatives that are simply false. I have NO IDEA who XXXX XXXX is. I have not received a bill from them and do NOT owe them {$330.00}. I have diligently tried to resolve this. I filed a dispute and still never received ANY documentation of this bill, nor what it is for. I explained this in great detail to XXXX, yet they said the negative has been verified. How can it be verified, if I dont even know what it is??? If just anyone can submit a collections account on your credit report, then what is the point in even attempting to make sure all your debts are paid? You can look at the 38 pages of my excellent payment history and KNOW that I would not knowingly leave a {$330.00} bill unpaid!!!! I can not pay what I do not know. 
And then there is XXXX XXXX. This dispute was over XXXX cents AFTER an account was closed. XXXX erroneously allowed the XXXX cents to be charged to a closed account, which by the time I found out, i had to pay {$160.00}!!!! I uploaded PROOF and XXXX still says they verified and it stands. If they VERIFIED, they would KNOW XXXX made a mistake. So for {$330.00} and for XXXX cents, my credit has been RUINED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: MS

Complaint narrative:
on XX/XX/2021sent a dispute letter to Trans Union. I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!

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 2021-02-28 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: DISCOVER BANK
State: CA

Complaint narrative:
I received a email about a home loan I supposedly applied for I did not apply to any loans I am not looking to buy any homes and the inquiry is on both of my reports this is a error and I pray and home nobody has my info and is trying to purchase a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 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: GA

Complaint narrative:
I have contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  all on my XXXX reportXXXX XXXX XXXX  on XXXX. XXXX 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 2021-02-28 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: MS

Complaint narrative:
on XXXX XXXX XXXX  sent a dispute letter to Experian and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!

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