vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Company engages in predatory lending and intentionally deceptive billing practices. Company encourages enrolling in paperless accounts however does not provide any statements online regarding the status of the account. The website only shows a " next payment amount '' however ( according to their customer service ) it does not include any fees the account may accrue and there is no way of knowing until you get a bill for a lump some of fees they want you to pay. Even if you overpay your monthly cost to cover what the account states are late fees the lender applies those fees to interest instead of paying off said fees ( according to the customer service rep ). I had a hardship and had my car repossessed last year ( XX/XX/XXXX ), paid my balance which included owed and current monthly payments plus the repo fee, yet XX/XX/XXXX they bill me for what is claimed by customer service to be an unpaid repo fee from over a year ago without any documentation to support it meanwhile I've been paying what the company has told me is my payment every month. This is either a fabrication to make more money, or it is predatory lending where they paid themselves more in interest and are now billing me again for something I sent a payment for. My " next payment amount '' never reflected anything other than the regular monthly payment plus any late fees. However, again, when I pay what the company is telling me I owe, they apply the over payment to interest and then lump the late fees that become due at a later date, all of which is not reflected on the website ( or the statements because they do not exist online ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: WY

Complaint narrative:
I have a bank of the west checking account. Under this account I have other linked accounts. one of those accounts was closed without my knowledge or consent. Now I would like to use that account and have come to find out it is closed. I was given no warning of this activity, and now upon trying to another account I am told through many prompts that the addition of this account is disabled. I have wasted over an hour inputting my information and clarifying the accuracy of my personal data for this application. In the future I would like to be notified of account activity PRIOR to actions being taken. It is an absolute waste of time and extremely frustrating to fill out an application for 30 mins, then be blocked, then wait on hold for 20 mins for a  representative to tell me that I need to wait until XXXX XXXX  and start over!

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 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Issue with XXXX XXXX  purchase. Contacted XXXX XXXX and they informed me they would refund me {$33.00} for shipping and taxes, therefore I canceled my dispute with CitiBank. Prior to canceling the dispute, I reached out to citi credit card chat services and verified that if I canceled I could re-open and they informed me that I could. I canceled the dispute, however XXXX XXXX never refunded me as promised. I then attempted to reopen the dispute with my citi card, however each citi representative that I speak with, inform me that they will reopen the dispute and that I will see an update in 3-5 business days, but after waiting and checking I am not seeing any difference or refund. Each time that I call or chat with citi to follow up on the reopened dispute, they inform me that there isnt a history of the dispute being re-open, and that they will have an investigator contact me for additional information, but I havent been contacted by anyone. I attempted to re-open the dispute around XX/XX/2019 and have since then been trying to get it re-open and refunded since XXXX XXXX failed on their promise.

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 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
The original loan amount is for {$1000.00} with XXXX. On XX/XX/19 I initiated communication with the organization to correct the reporting on the NSLD. Since this time I have contact them via email or telephone on every other business day to secure the correct information and documents to provide to my college. Each time I call there is a different response, a letter was submitted requiring 9 months of payments before they would correct any reporting. The proceeding response from the organization is they are sending the information to the account specialist for a response. This organization does monitor each call and documents my communication, this information can be retrieved supporting my communication, request and lack of responses. The information on my loan message documentation is in correct I have made more calls since XX/XX/19. 
These efforts to delay has created additional emotional stress and financial stress to my education process. The person whom is responsible or the Supervisor has not address this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax on numerous occasions telling them that I can't access my credit profile and am in the middle of trying to obtain a mortgage. They claim that there isn't an error on their end. My loan officer attempted to pull my credit with Equifax on Saturday XX/XX/19 and stated that he received an error as well. Equifax is preventing my mortgage lender for accessing my file, although they claim their isn't a freeze. My lender, nor myself can access my Equifax file and this has been an issue for almost a month. No one in the customer service department has been able to assist me. I have attempted to escalate this matter with Equifax, but to my demise, my credit profile is still not accessible.My file needs to be accessible to any creditor and myself as soon as possible. Unfortunately if my lender is unable to pull all three of my credit profiles, they can not move forward with my mortgage application. This is causing a great amount of inconvenience and grief on my end. Please have Equifax make my credit profile accessible immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In the month of XXXX I had gotten very sick and fell into a hardship to maintain my financial expenses. This effected my credit score outstanding. I was late for my car note payments from santander for XXXX $ for 2 months ( XXXX & XXXX ) and I was released from work because of unjust behaviors. I had to start back working and doing 10 hrs plus over time a week just to catch back up on all my payments towards my Santander auto loan. Me being sick and missing work for those weeks hurt me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
I have a mortgage with Suntrust Mortgage. 
My home was damaged by a flood and my insurance company issued the funds to repair my home. The funds were sent to Suntrust and they have been holding them in an escrow account. I have been contacting Suntrust on multiple occasions to request the funds be released to pay the contractors that have made the repairs. They tell me they need to have an inspector come to my unit before they can release the funds. They are holding {$80000.00} and have not released one penny. The work in my unit has been completed for months and the contractors are screaming at me to get paid. I have had to pay several out of my pocket because Suntrust keeps loosing paperwork, requesting unnecessary documents, and continues to stall payments. Now they tell me they need to send an inspector out to verify the work is completed. I requested the inspector on XX/XX/2019. I have called over a dozen times and emailed and they still haven't scheduled an inspection. 
They tell me they have no idea what happened and keep apologizing to me and claim they will escalate the situation. This is ridiculous at this point. I have been waiting almost a month just to get a date for he inspection. In the meantime I have had to pay contractors out of my pocket to prevent liens on my unit. This is causing me a financial hardship. 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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/19 I showed I had a balance of $ XXXX I transferred {$210.00} to my personal checking account. Left me with a balance of $ XXXX. First thing Friday XX/XX/19 I got an alert my account was negative. Checked it. I had been charged a {$35.00} overdraft fee. I called and the rep could not give me an explanation as to why my account was now negative by {$2.00} when at XXXX before I went to bed it had $ XXXX. There are 2 transactions still processing but not finalized, but those where still processing yesterday XX/XX/19 as well. If my account was negative XX/XX/19 I wouldnt have been able to transfer over money at XXXX. I never saw my account negative so I never had a chance to make it positive to avoid the fee. This is sketchy and borderline fraud if they wait til XXXX to left my account go negative and then charge me a fee for something out of my control.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The card in question is a XXXX 's Mastercard serviced by Comenity. Apparently this card was compromised several months back, but we were not notified ; we found out when the card was suspended and we called to inquire. During this compromise, the physical mailing address was changed to a XXXX address & email on the account was changed to one we know nothing about. That was supposedly straightened out and a few months later on XX/XX/XXXX we attempted to use the card again & it was suspended again. Upon calling, we were told the balance was {$0.00} and we requested the card be closed. XX/XX/XXXX we received a bill for the balance & past due charges. Apparently they didn't close the account as promised on XX/XX/XXXX & had sent the next monthly statement by email, which we didn't receive because the email address had been changed & " they couldn't change it back ''. We are out {$29.00} for the late fee because of Comenity 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
" I.c. System, Inc. '' has attempted to collect a debt in the amount of {$520.00}. 

I do not owe the debt. 

I never received notification that attempts to collect a debt were going to be made. 

I discovered the attempt on my credit report. 

I reached out to the company within 30 days requesting verification of the debt. I informed the company that if they did not immediately cease collection attempts before providing written verification they would be in violation of the Fair Debt Collection Practices Act. 

The company did not comply with providing verification, and has made 2 additional attempts to collect on the invalid debt. The company is in violation of the Fair Debt Collection Practices Act due to continuing attempts to collect without providing written validation.

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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am attempting to close my checking account with M & T Bank. On XX/XX/2020 I spoke with a representative from the bank on the phone who told me they could not close my account. I needed to write a hand-written letter to a specific branch, but they could not tell me what branch that needed to be. 

The account charges me {$14.00} each month which I no longer wish to pay and I simply want it closed and the charges to stop. They claim that due to the outstanding balance of {$6.00} it can not be closed.

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 2020-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
XX/XX/19 - I attempted to use the card but it was declined at the register. I used another form of payment and just assumed the stores system was the problem. 
XX/XX/19 - I attempted to use the card again at a different store and it was declined at the register. I used another form of payment. When I returned home I logged in to my account on the internet and it would not let me log in. There was a red statement that said something to do with fraud and gave me a number to call. 
I called the number for Direct Express Fraud Services Department. Immediately they got me to order a new card. I did and it cost {$13.00} to get it immediately. Then they started to ask questions about transactions. I can recall two that she mentioned both for XXXX XXXX, XXXX XXXX. I did not make those transactions. The last I recalled using the card was for two companies, XXXX and XXXX, on line. They told me they would send forms for filing a fraud action, they did and I returned it via fax to their fraud department. 
XX/XX/19 When I went to my post office box there was a letter from them dated XX/XX/19 that stated there was a conflict of some sort and that they couldn't confirm the fraud. The letter said I could request a copy of the docs they relied on by calling a number. I called and they said they are sending it. 

I don't check my online account for this card everyday but I do check it and save my receipts to make a comparison. Had I seen these charges I would have called to complain that they are fraudulent but I hadn't checked recently. 

I wasn't the one that noticed the online purchase, it was Direct Express which is why they shut down my card. 

How is it that they detected a potential fraud and shut the card down and then when they talk to me and I agree they were not my charges they say I am not proving it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent Recovery Solutions sent me a notice of collections on a debt and I promptly responded via certified mail ( in less than 30 days ) asking for validation. They took their time ( about 45 days ) and sent me limited information that did not substantiate the debt. I sent another reply asking for further information as well as proof that they are a valid collections company that is licensed to collect in my state and they did not send me the information I asked for but still reported the debt on my credit report even though it was still in the dispute process ( started in less than 30 days after first notification ). 

I called them and asked them to remove the debt from my credit report so we can continue the validation process and they refused. They are operating in violation of the FCRP and are offering me no recourse. I just want the federal laws to be followed and a fair chance to make sure this is a valid debt. This debt should be removed from all of my credit reports until validation can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXXe using comenity bank charged for membership fees I did not authorize. I never opend account with comenity bank. I was told XXXX would credit account 3 times but I'm still getting statements for membership and late fees.

Company response to consumer: Closed with monetary relief