vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX XXXX   for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXXXXXX XXXX XXXX for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus Experian, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i have a listing for the removals to the three credit bureaus.

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 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I am currently a Suntrust Customer. 

On XX/XX/XXXX my XXXX XXXX XXXX Retirement was deposited. 

On or about XX/XX/2020 I had some movies that were over due with XXXX XXXX which debited my account {$95.00}. 

This started a down hill spiral with my account. Suntrust has let my account continue to have charges debited from my account even though the funds were not available in the bank account, Each time the paid a debit that I did not have funds sufficient enough to cover the charges. They paid them and charged me {$36.00} each time, These transactions they paid even with the funds not being available, Has now cost over {$280.00} in total fees they have charged me. Not a single text or phone call email NOTHING, to let me know the account was over drawn. 

I went to the branch in XXXX NC Suntrust Bank XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX in Retail Banking she indicated that letters were sent out in regard to the overdraft, AS of XX/XX/2020 I have not received any letters in regard to my account being overdrawn. 

This seems like an abusive practice to me, Why did they continue to pay transactions when the money was not in the account. This was 8 transactions from XX/XX/XXXX to XX/XX/XXXX. 


I tried to file a compliant on the Suntrust On Line Compliant.  After answering all the questions and submitting the form. The screen told me to call an 1800 # I called the 800 number, They left me on hold for 68 minutes trying to locate a supervisor. This was unacceptable for me to hold that long. 

I feel Suntrust financially abused me and has taken close {$300.00} from my fixed income account and did so with out even a phone call! The lady XXXX told me they were not allowed to call me. This comment was a shock since they have called me in the past regarding purchases I made. 

Thank You for any help you can provide in this matter 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 monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a check for {$1000.00} into by checking account at PNC before the next business day cutoff time. I was not notified of any holds placed in this deposit. The full amount of my deposit was not credited to my account to cover items presented that night which resulted in an overdraft fee. When I contacted the company I was told their policy was to only credit {$100.00} of any deposit made towards items posting that night and the remainder of the deposit posted the next day. How can they hold funds without notice? Why should they have a standard policy to not fully credit funds to their customers accounts until the following day? This policy is obviously in place to cause overdrafts and generate fee revenue and hold funds to make additional float in it. Its an unfair practice to place on consumers and opposite if any other bank that I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I applied for a Best Buy credit card by following an offer on Best Buy 's website. It promised 5 % back on Best Buy purchases, as well as 10 % back on your fist day 's purchase upon receiving your credit line. Also there is no annual fee. 

offer is here https : //www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c? id=pcmcat102500050032 I have a XXXX credit rating, and want to buy some appliances from Best Buy, so this sounded great. I have an open line of credit, home equity at my local bank, have paid off my mortgage after many years of on-time payments, and have a credit card I have had and use often for many years. 

I filled out the application the Best Buy site brought me to, citibank, and waited for my approval. 

Then I got a webpage that said my application could not be approved automatically and I needed to call a number. 

I called and wound up on the phone with a high pressure sales person who said I did not qualify for the credit card I applied for, but they would offer me a different one, which has a {$59.00} annual fee, and a maximum of {$1000.00} limit. This is less than the first appliance I plan to buy on top of everything else wrong with that. 

I asked why I did not qualify, he indicated it was because I had " no revolving credit usage ''. I explained that was false, I have and use my credit card, currently have a sizeable current balance, and have used it for far more than that in the last 12 months and for years. 

I finally dragged out of him that their reason was I had never kept balances and been soaked for 18-26 % interest. That is why they would not approve me. The fact that I was not drowning in debt, and I don't waste money on usurious interest fees is why they won't give me the credit line. I charge things for the cash back and extra buyer protection it gives. I only charge things when I can pay the balance off that month as I will shortly do with my current balance. 

I feel this was an unfair and predatory lending practice which I fear will now irreparably harm my credit as I was denied credit! Denied credit for being as responsible with credit as can be. Denied the credit line that Best Buy advertises on their website, which appears to be a trap for people who carry credit card debt, and an encouragement for them to go further in debt. 

They will happily give you 5 % back on your Best Buy purchases if you will pay them 18-26 % interest on the remaining 95 % of what you spend there.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
i have a listing for the removals to the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i have a listing for the removals to the three credit bureaus.

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 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
Source Receivables Management continues to update a previous debt that was already paid to the original debtor which was XXXX. I have not conducted any business with Source Receivables Management nor do I owe or have ever owed them any money. Source Receivables Management has the debt status " closed '' and it should not be on my credit report at all. Last update was on XX/XX/2020 this needs to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see  enclosed ). This violates the FCRA.

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 2020-01-08 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: VW Credit
State: CA

Complaint narrative:
We were denied a claim for {$1500.00} for excess wear and tear. We extended our lease for a XXXX XXXX XXXX XXXX and were not informed that it would affect our excess wear and tear charges, which we paid coverage for. The car was returned on XX/XX/XXXX and a new VW lease was purchased on the same day. We were charged the same monthly payment amount for the extension of the old lease. We were still paying towards excess wear and tear coverage and it should have been covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc.
State: WI

Complaint narrative:
Hello, My issue is with my former landlord " XXXX XXXX XXXX '' in Wisconsin XXXX. At the end of XX/XX/2019 my lease was over so I moved out. Before moving out I made sure that everything required by them before you move out is taken care of. I spent two days cleaning the apartment in which I lived for XXXX years. At the moment of turning in, the apartment was clean, the only issues being normal wear and tear. More then a month after moving out I was sent a cleaning bill for over XXXX $ on top of my deposit which was the equivalent of the rent ( XXXX $ I believe ) plus the pet deposit ( I don't remember the exact amount ). So they charged me around XXXX $ by not giving me my deposit back plus they are asking for another XXXX some . I looked into the cleaning company they hired and it was a year old company, a family business which doesn't have a business phone number. So I called and asked for proof and they sent me some pictures that don't show anything, just some bad pictures of what could be anything. Those pictures don't show what apartment they were taken in ( they all look the same ) and we were specifically told by the landloard not to move any appliances ( fridge, stove etc ) to try and clean behind them because they will but they included pictures of those areas in the ones they sent ( all pictures are attached ). They even went as far as sending us pictures of a dirty stove that wasn't even ours ( pics attached ). I tried disputing the charge based on those photos and they said they will go to court which never happened and then I find myself listed for collections. I'm sure this is normal practice with this management company and they're trying to rip people off by doing schemes like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
PNC Bank took over the servicing of my loan. I was required to set up new online information, which I did on XX/XX/XXXX. All login, password, pin and security question/answer information were noted and filed. On XX/XX/XXXX attempted to login and was told my information was incorrect. Called PNC Bank Mortgage and was told my account was locked. With PNC representative on the line I went through the process to reset my information. After completing I continued to get an error message saying the reset was not working and to call PNC customer service ( of which I was on the line with ). She then told me my only remedy was to send a new pin in the mail which would take 3-5 business days. Then I would have to start from the beginning with this process. In addition, I asked for my latest statement ( of which I was trying to access online ) and was told they could only physically mail it or charge me {$15.00} to fax! Just a total fee grab. Email or texting was not an option which is absurd in addition to the fact the customer service team ( whose number appeared in the error message! ) could not even solve my issue and their only solution was to physically send me a code to reset my information and start all over. Now I sit waiting 3-5 days to access my information. PNC Bank Servicing my loan has been terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

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 2020-01-08 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase announced on XX/XX/XXXX that all Chase Sapphire Reserve card members would be eligible for a complimentary XXXX subscription provided by XXXX. They have been heavily advertising and promoting this, however Ive been unable to access this benefit. I have tried multiple times to follow the provided instructions with my Chase Sapphire Reserve card and have not seen the screen to activate the offer the instructions describe. I contacted Chase both on the phone and also on XXXX, and received a response that simply reiterated the same instructions. The final word from their XXXX support was that there may be a technical issue and that I would simply have to check back from time to time. They offered no timeline for resolution and made it clear that I would not be informed when the issue was resolved. Chase is advertising a service that I am paying for but which they are failing to provide. They have refused even to notify me when the issue is resolved. It would appear that they are making little to no effort to resolve this. I am attaching a screenshot in which Chase Support indicates this is a technical fault and that they will not be providing notification when it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I deposited {$50000.00} from my personal checking account to my AMEX personal savings account. Although the funds have been verified, withdrawn, and received by AMEX, I do not have access to the funds and AMEX can not explain why the funds are in limbo. I understand delays in available funds for transaction verification purposes, but this is much different. The funds have been verified and the transaction is complete. This equates to fraudulent activity on behalf of AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have made all my payments within the month of requirements. I was not late over 30 days for any month I was working. If they are correct which I doubt because my loan payment is up to date. I am asking of goodwill to please fix as I may have had a hard time and wanting to change my job so it may have went pass the date required. Over all Im grateful and want to have better credit for when I return for another toyota.

Company response to consumer: Closed with explanation