vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: DISCOVER BANK
State: FL

Complaint narrative:
I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.

The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX American Express recevied the wrong payment amount of XXXX. I first contacted the bank and complained about this because the payment from the bank side was just pending. The bank said they wouldnt be able to do anything because the payment hadnt posted. I contacted American Express and notified them not to process the payment cancel the payment and they quickly processed the payment. Quicker than usual. Once the funds where taken from my bank account, I called American Express XX/XX/XXXX, and I was told by a representative ( XXXX ) that the check would be mailed the next day. Instead of mailing a check they have deducted funds from the balance so far a total of XXXX and still are holding on to my money. The account was not past due and a payment was not even required. They had already received a total of XXXX and where only owed XXXX to be exact but American Express was stealing money from me because they where taking payments from me but where not updating the balance. I have complained multiple times about this but have only received the runaround. So far I am owed XXXX American Express has also been taking payments but hasn't been updating credit card balance accordingly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
We were waiting for about two years to sell my house to a client and the bank keeps on telling me to renew my personal documents. This is due to us having another bank that they both ask me to renew my documents and after long periods of them asking me and me giving them everything they asked for, they got mad for no reason and told me that they don't want it anymore because apparently I took too long to send the documents that I always sent on time and they are putting the house under foreclosure.

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 2018-05-24 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: VW Credit
State: PA

Complaint narrative:
VW Credit is reporting a delinquent account when in fact the account was in dispute. Because VW was unable to successfully repair the brakes after more than 4 attempts, I was directed by their dealer to turn in the vehicle and terminate the lease early. Months later, VW Credit began billing me for early termination without warning. I provided them documentation in writing that I was disputing the charges in their entirety. In the period where these charges were being disputed, VW Credit is wrongfully reporting me as delinquent in payments. Now that the account has been settled, they will not cooperate and advise XXXX or other credit reporting agencies to amend the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: Ballybunion Enterprises, Inc
State: AL

Complaint narrative:
On XX/XX/2017 there are two hard inquiries that I don't recognize with such a company from 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 2018-05-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a credit card with XXXX XXXX ( XXXX  ). The deal was for me to spend {$3000.00} within 90 days, and receive a bonus of 60,000 XXXX  miles. I completed my end of the deal, as I had spent nearly {$8000.00} by the end of XX/XX/XXXX. However, as of XX/XX/XXXX, I had not received my bonus miles. 

In early XXXX, I called customer service at XXXX, and spoke with XXXX. She in turn called Citi Card services, and after a 20 minute wait, we had XXXX on the line. XXXX simply said that I was not eligible for that offer, and suggested that I fill out a dispute form if I wished to challenge her finding. 

On XX/XX/XXXX, Citi sent me a letter indicating that I was not eligible for the Bonus offer due to the following clause : Special offers arent available when an existing account in the same product has been approved or closed within 24 months. 
I disagree with that conclusion. The initial ad did not explicitly mention that restriction, and, Citi Card services could have checked for that condition during the review of my application, and rejected me right then, not after I had spent nearly {$20000.00} on the card. 
Therefore, I believe I should be entitled to the 60K bonus miles.

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 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LAW OFFICES OF MICHAEL K. SIPES
State: CA

Complaint narrative:
i have a XXXX county superior court case XXXX demand for payment of {$9500.00}. took my remaining $ XXXXfrom my bank account yesterday i am a single mom and there are XXXX college children

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has refused to discuss my options as my rate reduction program is coming to an end. I am unable to pay the amount they are requesting starting XX/XX/2018 and they are refusing to discuss or make available any repayment options. The amount they are demanding is so drastic to my already thin budget that it will negatively affect my life and ability to meet my other financial obligations. 

Please reach out to Navient on my behalf and express that their practices are unethical, unfair, and their treatment of their debtors is inhumane, inconsiderate, and unkind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/18 I submitted a request to both transuion and XXXX XXXX XXXX regarding an account reported by transuion. I submitted a request asking for validation of XXXX account being reported in the amount of {$1100.00}. I have not received a response from either transuion or XXXX XXXX XXXX. Under the fair credit reporting act I have the right to have this inaccurate information removed after 30 days of not receiving adequate validation of this account in question. I have disputed this account in question four times with Transunion and have not gotten any sort of validation whatsoever. I do not owe XXXX XXXX XXXX any money at all. I have never signed a contract with them nor have I done any type of business with them. the account in question is not accuretly being reported by TransUnion. 90 days of waiting for validation of this account in question I am requesting that this inaccurate information no longer report on my credit file.

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 2018-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: MD

Complaint narrative:
On XX/XX/2018, at approximately XXXX I made contact with XXXX XXXX and XXXX XXXX. Neither company was helpful and stated that although it was not an application that I filled out that they were authorized to pull my credit report 5 different times. 

I never authorized hard inquiries. The website on lending tree stated clearly that it would NOT effect my credit score. However, it surely has ... .my score has dropped dramatically as a result of this ... I encourage anyone that has had this issue to start a lawsuit against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX I opened up a checking account with old national bank under a promotion stating '' 1Offer is non-transferable and is not available for XXXX XXXX XXXX. MAILER OR EMAIL WITH OFFER MUST BE PRESENTED AT ACCOUNT OPENING TO RECEIVE THE BONUS. To receive the bonus if opening checking account online, the account must be opened using the XXXX link. Account must be opened by XX/XX/XXXX. {$50.00} minimum deposit required to open all accounts. {$200.00} bonus will be deposited into the checking account after automatic direct deposits totaling {$500.00} or more AND 10 Old National debit card transactions ( ATM withdrawals are not eligible ) are received within 75 days of account opening. Account must be open and in good standing at the time the incentive is paid. Bonus valid for ONB Everyday, ONB Preferred and ONB Classic. ONB Preferred and ONB Classic earn .01 % Annual Percentage Yield ( APY ), accurate as of XX/XX/XXXX, and may change after account is opened. Additionally, fees may reduce earnings on the account. Not valid with any other Old NationaXXXX offer. '' I met all of the terms completing a direct deposit on XX/XX/XXXX and completing 10 debit card transactions on XX/XX/XXXX. I followed up with the bank on 3 separate occasions via phone calls and I still they still have not honored the terms of the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
Receivables Management Services sent me a letter that I owed money and explaining that they were a debt collector. The letter did not provide details of the debt claimed. 
I called around XX/XX/XXXX to inquire about it. I explained that I was never contacted by the creditor. I went online to my account with the creditor and confirmed no debt was shown. 
I called the creditor and was confirmed there was no debt. 
RMS called me on XX/XX/XXXX about the debt and I explained that XXXX confirmed on XX/XX/XXXX that there was no debt. 
I received no further communication after this. 
Today, XX/XX/XXXX I talked to XXXX at RMS and her supervisor XXXX XXXX and they confirmed that the case has been closed and there is no debt to collect. However, they denied a written confirmation of this. 
If the original communication of a debt came from RMS I expect a letter from same sender explaining the status of the case, especially when the creditor never tried to claim a debt in the first place. 
After 15 minutes on the phone they still denied giving me a written confirmation for my records stating what they were saying " case closed, we no longer have a debt to collect ''.

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 2018-05-24 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
After viewing credit report there is a Charge-off of an amount that I have never been aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: The Outsource Group, Inc
State: MO

Complaint narrative:
On XX/XX/18 both my mortgage lender and I attempted to get XXXX XXXX to notify the credit bureaus that my collection account balance of {$390.00} had been paid in full on XX/XX/18 and/or supply a verification letter in order for the lender to attempt to notify the bureaus that the debt had been paid to increase my credit score so I could close on my home. The numerous times that XXXX had been contacted we were given conflicting information as to if or when the credit bureaus would be notified. They refused to supply my lender and me anything in writing to indicate that the debt had been paid ; with the last conversation ending in the bureaus could possibly be notified sometime this month or next month.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion reported to a store application stated that I was dead or deceased. This is a scam to make me correct their stupidity, which I will not do. They are not intelligent nor correct. I got their letter dated : XX/XX/18 and the reason they give for my rejection of this card was : Your credit bureau report indicates you are deceased. 

I do not trust these people, and do not intend to do anything but report them to you for your investigation of them. Please assist me in getting this information out to the public, they must be a scam company out to make money off the public.

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 2018-05-24 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:
After viewing credit report there is a Charge-off of an amount that I have never been aware of.

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 2018-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After viewing credit report there is a Charge-off of an amount that I have never been aware of.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Derogatory information from the company XXXX XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Derogatory information from the company XXXX  XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I received a letter dated XX/XX/2018 from my bank, 'Bank Of The West ' informing me of changes that would be accessed to my checking accounts. According to the mailing the accounts will be converted from the status of free checking accounts to what they call their Any Deposit Checking account product. A {$10.00} monthly service charge will be assessed unless there is at least one deposit made into the account for the month. 
The letter also states, that a {$3.00} monthly statement fee will be assessed for each paper statement that I receive during a monthly cycle. It lists several conditions of automatic waiver to this fee, of which I do not fall under any one of, or that I can avoid the fee by signing up for their Online Banking product. 

As far as their changing their free checking account product to a monthly fee account of {$10.00} per month, I guess I would have no say about if I choose to keep doing business with them, but I strongly disagree that I should be forced to have to enroll in Online Banking if I choose to receive my bank records, and statements and records in the mail, which I consider to be much more secure for my privacy, especially with the insecure nature of information and data breaches online. So, I believe that as a customer, I should be able to choose how I receive my monthly statements without being pressured to receive them one way or another.

Also, I think our mail carriers, as well as, many other blue collar jobs are under enough stress by the corporate world, along with decreased regulations, and escalating fees to customers in all sectors of finance and insurance, more and more everyday.

Thank you for any assistance you may provide.

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 2018-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am applying for a personal loan at Wells Fargo bank in XXXX, Florida the lady told me that my monthly payment will increase by {$10.00} additional dollars because WE DON'T HAVE INCOME TAX IN FLORIDA. 
Who desired that, when, this should be ilegal why a bank its capitalizing on the fact that we Floridian residents don't pay income tax, is this a PUNISHMENT? 

I am going to go the bottom of this anomaly Banks or politicians CAN NOT PLAY with our need for a loan I am negatively surprised with this aberration a bank or politicians can take advantage or our needs Please solve this or I will escalated to the highest authority, we can not convert our state as a sanctuary for whomever wants to get an easy and fast money on our already dilapidated economy Thanks 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