vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: WI

Complaint narrative:
Acc # XXXX. Turned this vehicle in XX/XX/20. XXXX XXXX in XXXX, AZ. Leased another XXXX  at that time through BMW Financial.Requested vehicle inspection when I picked up new vehicle and turned in old on XX/XX/20, was told they do not do that, vehicle will be inspected at later date. I said I do not want to be liable for charges that I can dispute in person, again told they do not do that. There was no correspondence between XX/XX/20 and a letter I received on XX/XX/20 demanding payment of XXXX or will go to collection. I did not see this online until last payment made on XX/XX/20 on my new vehicle, just magically appeared. What was happening between XX/XX/20 and XX/XX/20 that I was not notified and now threatening collection. Isn't there a time limit for providing bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about 09/15/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

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 2020-11-17 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:
I sent letters on XX/XX/2020 and also XX/XX/2020 and also have tried to reach out to the company my calling.

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 2020-11-17 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: Chime Financial Inc
State: GA

Complaint narrative:
I made a payment thru XXXX XXXX  on my power bill. The money is gone out of my account but I was told the payment failed. When I call chime bank they say the money was paid. Now my bill is not paid and Chime or XXXX XXXX will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to resolve two issues with SunTrust Bank for over seven months. They are unresponsive to my inquiries, letters, e-mails, phone calls, faxes, and voicemails left. Promises of responses when they do follow up go unfulfilled. In response to a previous complaint that I filed with the CFPB, I received a message on the day that I filed it from XXXX XXXX of SunTrust Executive Services advising me that my case was assigned to a Case Manager, XXXX XXXX. Her message assured me that Mr. XXXX would be in touch with me within 15 days. I left a voicemail for Mr. XXXX who did not return my call. After 15 days elapsed with no contact from or response by Mr. XXXX, I called and left a message for Ms. XXXX. Ms. XXXX did not return my call. When leaving voicemails for both Mr. XXXX and Ms. XXXX, neither of their voicemail greetings advised that they were out of the office and/or unavailable. Anything you can do to compel SunTrust to respond to and formally address my issues would be appreciated since, it has become blatantly obvious, that SunTrust has little-to-no intention of responding to and resolving these these issues.

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 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I am getting married in XXXX and I have make payments to vendors for wedding and each time I make a payment from my personal checking account my bank charges me a convenient fee. Which I have never been charged before. I dont understand this fee. So if I go on vacation and use my debit card Im I to be charged a service fee to pay hotel in XXXX, XXXX can far. 
Also when they charge this made up fee it has caused my account to go negative and it snow balls from there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Data and Contact Management Solutions, LLC
State: MA

Complaint narrative:
I sent an email to dcm services who are a collection agency and are handling my account with XXXX XXXX credit card. We set up a verbal agreement that for 12 weeks XXXX would be withdrawn from my checking account. About 2-3 weeks ago I was unable to have the funds available for this withdrawal. I sent an email to dcm services and informed them of my situation, I stated that to stop the withdrawal from my checking account as the funds are not there, also explained that I can not keep our verbal agreement and asked if the money I already sent can be a paid agreement. I also stated that I would like verification of the debt, I have filed a dispute with XXXX  credit bureau and XXXX. Dcm services ignored my email and are still withdrawing funds from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NH

Complaint narrative:
{$430.00} is supposedly owed by me. Which it isn't. Experian claims I owe XXXX this amount. Which wasn't mine. It says the term is 1 month old. And I opened this account in XXXX. Which I did not.

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 2020-11-17 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient continues to erroneously report old student loan accounts that I consolidated with them, paid every month on time until it has finally been paid in full. The four loans they consolidated first went into default in 2009 and for whatever reason, they simply refuse to remove it off my credit reports. I have tried to dispute it with them. I have tried to dispute it with the credit bureaus to which they specifically told me NAVIENT is reporting the items as accurate. I even filed a complaint here ( XXXX ). They replied that they have nothing to do with the reporting of those extremely old accounts that should of aged off years ago and to contact XXXX. I contacted the original lender XXXX  and they told me they are not reporting anything to the bureaus about me and no longer even have records of me having had loans with them - that is how old these loans are. 

I am enclosing proof that it is in fact NAVIENT that is reporting these old student loans as recently delinquent. I spoke to representatives both at XXXX XXXX and XXXX  and they both confirmed that it is NAVIENT who continues to report these accounts to my credit report. Please see contact information at the end of each report. This is affecting my credit greatly. And during this pandemic and all the lawsuits against Navient I would of guessed theyd take closer look into my complaint and see where they erred as this is costing my such financial and emotional burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
XX/XX/20 We received a ReliaCard issued by USBank. The card was unexpected and did not align with any accounts we own. That same day we inactivated the card, and the customer service representative noted that it was an Ohio unemployment card. We have never been to Ohio. They used a decades old phone number and likely additional old information ( however it made it to our most current address ). Clearly a fraudulent card. Note : nothing will be attached as it was a credit card issued document containing personal and sensitive information.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This dispute is with Citi who represents Home Depot. I initially had 5 promotional balances for which there were expiration dates before I would be charged interest. I paid off 3 of them in full before the expiration dates in order not to accrue interest. At the moment I have 2 promotional balances left, one expires XX/XX/XXXX and the other XX/XX/XXXX totaling {$2900.00}. 07 but the statement balance is showing {$4100.00}. 

I have been in contact with Citi since XX/XX/XXXX and they have yet to give me a reason for the additional amount of {$1200.00} interest. This is very frustrating and you are my hope that this is resolved soon. I would appreciate you looking into the matter for me

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 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My account has not balancing in lines with my bank Citibank. I can make a deposit of XXXX and the next morning the bank has my balance at XXXX. I called and tried to sort it out but I was not able to. Citibank is also changing the order of transaction to charge a nsf fund dee. Fir examples I cam have {$500.00} in my account and make a payment for {$130.00} to someone I am requesting an audit of my account. The money I have deposited does not add up to transaction processed.

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 2020-11-17 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: GA

Complaint narrative:
I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.

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 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XX/XX/XXXX I purchased a car and was financed through Santander. My load matures XX/XX/XXXX, I placed a car to confirm the maturity date on XX/XX/XXXX and it was confirmed. I received a call this morning XX/XX/XXXX and told " I now owe {$8900.00} and have to pay it by XX/XX/XXXX or take out an additional loan for the balance and it will extend your loan for 2 more years or we will report your loan late until you pay off the additional fees ''. I have no late payments for the life of the loan and have no additional penalties unless i paid the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally has continued to apply late fees and finance charges even though Ive paid my bill over the amount required and on time. Ive called the company and spoke to at least a dozen people who have all told me something different. Im in the process of refinancing through another company but they are truly scamming people. Ive spent hours on the phone with them and they continue to transfer me and hang up. Now its affecting my credit score as a late payment even though Ive been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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 tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.

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 2020-11-17 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 tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I contacted Equifax via USPS Certified mail to request a investigation into 1 account from XXXX XXXX, that was incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Equifax a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove this false account. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I received an email from XXXX stating that my student loans have been transferred to XXXX, and I would have to set up online access with them. I created the profile, however my loans are not showing. It is showing I have no loans or ability to pay on them. I then tried to contact customer service and could not get through. I then emailed them directly, and did not get a response. I was told for sure by XXXX the account will be ready XX/XX/XXXX, but now here it is XX/XX/XXXX, and I am unable to make a payment or even have access to my student loans. Payments are going to be due, and I can not pay on them because I have no access. I am now getting loan error messages on the website, but it is not giving me access to the loan, ability to pay on the loan, and they are not willing to communicate with me. I just want to get this resolved. This can not effect my credit. This would have an impact on me getting a mortgage if these are not resolved. Please assist.

Company response to consumer: Closed with non-monetary relief