vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Unable to use XXXX to save money via PNC bank due to a new change

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: CA

Complaint narrative:
Experian and XXXX are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an account with Lowes, I closed it monthly ago due to the high interest rate. I'm still making payments. My interest rate has {$10.00} and change, it has went from {$10.00} and change to {$210.00} plus. This is outragous. Copy of my statement since XXXX is attached. 

Thank you,

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 2020-06-04 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: CA

Complaint narrative:
XXXX  and Transunion are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX  in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I was charged {$35.00} over draft fees for purchases that havent received XXXX to my account, deposits were made before the transactions posted to my account and I was charged {$35.00} each day bringing my account to a negative status. I called customer service and was told nothing could be done. How can I be charged a. Overdraft fee for transactions that never posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: NV

Complaint narrative:
Approximately XX/XX/2020 I applied the for the covid-19 relief freeze package through XXXX XXXX XXXX XXXX who hold my car loan. I sent in correct documents one time ( date?? ) unknown. I was told they didn't receive my paperwork. I had to repeat the process. Finally the second time they received and accepted This was an over the phone conversation with the teller. I was told a they received and it would be accepted for the covid-19 freeze. On XX/XX/2020 I get an credit alert from my monitoring system saying my score has dropped XXXX points due to a late payment. Immediately track the issue down and try to rectify the situation at hand. I was able to speak to a representative at XXXX XXXX XXXX XXXX, she tells me they cancelled my freeze due to me not paying {$170.00} dollars of interest. I asked why they told me i was approved and didn't tell me there were more steps to the freeze. She proceeds to tell me they tried contacting me on the phone which was the wrong number, I asked why not email, she tells me they are a smaller bank, and not like the big banks and the do things differently. ( Obviously ). I immediately make a payment to XXXX XXXX XXXX XXXX  for the next to months and ask them to rectify the situation, due to my impeccable credit history with not one late over 15 years. I was informed id have to go through my credit bureaus to rectify the situation and it will get dealt with that way. I

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account with bank of America was compromised and I did not get my money resolved from this Bank

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 2020-06-04 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: VA

Complaint narrative:
Experian is reporting a XXXX XXXX account opened in XXXX that was included in a Bankruptcy as past due from XXXX until XXXX. I have asked them on many occasions to remove the past due reporting but they refuse. They have stated that the account has been updated but it shows that the account was last updated XX/XX/XXXX. There should be no past due information reporting. This is hurting my credit score and preventing me from purchasing a home. Since they claimed that this account was updated, my credit score has dropped 25 points. They are reporting misleading and false 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 2020-06-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a dispute with Transunion for a XXXX XXXX Card account regarding a late payment in mid XXXX. The late payment they are reporting is from XXXX of XXXXThe investigation was concluded on XX/XX/XXXX of XXXX. Upon completion the balance reported was changed to the balance of the previous month which was higher. The result of this was my Transunion mortgage score 4 decreasing. The higher and incorrect balance reported of {$50.00} is incorrect and has damaged my process in my dream of buying a home.

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 2020-06-04 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: VA

Complaint narrative:
TransUnion is reporting a XXXX XXXX account opened XX/XX/2016 that should be removed from my credit report but they refuse. Their website has not been working so and Ive waiting on hold for several days and each day it has been over 3 hours due to Covid-19. The information that XXXX XXXX reported was incorrect. XXXX and XXXX agreed that the account needed to be removed. Transunion is still reporting this inaccurate account on my credit report thus damaging my score. The account has been deleted with all other bureaus except this one. They are violating my consumer rights.

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XXXX I had a promotion that was expiring. I didnt receive notice from company they stated in XXXX one month before the expiration of the promotion I went online and requested online billing which I never did. Then in XXXX when I got noticed that my balance have increased through application I use I contact them and I was told they will fix it and send me a copy of the bill and extend it to allow me to pay. I never received. They stated because of Covid. Then now almost four month still same issue and not they say they cant do anything.

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have made payments that reflect 3-4xs the minimum due both in XXXX and in XXXX on my XXXX XXXX  credit card. I logged in to make an early payment this month to make sure I get that in to avoid late fees. When I logged in saw a banner in red on my account stating that my account was closed and I can't use the card. 

I called the credit card issuer Synchrony Bank and I was told that a credit report was run and my account was closed as a result of that. 

The problem I have with this is that I was up to date on payments and yet they check credit and close my account? Closing the account adversely affects my credit score even more. I have seen card issuers reduce credit limits because of this but can you really force closure of an account that is paid to date? Doesn't seem very fair that they punish my credit score even more especially when payments were in for the last two months and they were allowing me to use the card on two recent occasions for a total of about {$100.00}. 

They have in affect stricken down my ability to work my credit back up by closing my account without any notice to me and because they " checked my credit '' and just closed my 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 2020-06-04 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: VA

Complaint narrative:
Transunion is reporting an account that was opened on XX/XX/2013 with XXXX XXXX and it should be removed. The account states that it was included in a bankruptcy, however there is no bankruptcy on my report. They refuse to get this account permanently deleted and this inaccurate account is damaging my credit score. Because of Transunion error, its causing me harm with acquiring a home and other financial freedom.

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
The problem is with Lakeview Loan Servicing with my escrow account. Lakeview is calculating my taxes for FY XX/XX/XXXX incorrectly and forcing me to place an addition {$200.00} into my escrow account and raising my monthly mortgage payment. My county taxes for XXXX XX/XX/XXXX will be XXXX per the XXXX XXXX Treasurers office. Lakeview says my taxes will be XXXX, a difference of XXXX which more than covers the alleged short fall of the escrow account. 

My escrow account on XX/XX/XXXX will have a balance of {$910.00}. Leaving my current monthly payment the same with no changes, my escrow account on XX/XX/XXXX will have a balance of {$1200.00}. 

Thank you.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian did not properly investigate my XXXX. I never had a XXXX account. 

Experian did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Experian did not properly investigate me XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my Dept ed/XXXX  account. It is closed and still showing on my credit report duplicate accounts. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX Account. I never had a account with them. 

Experian did not properly investigate my XXXX XXXX account. I never had a account with them. 

Experian did not properly investigate my XXXX account. I never had a account with them. 

Experian did not properly investigate my Chapter XXXX account. I never had a account with them.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
For the last 2 months XXXX is not reporting properly the status of my Chase visa reward card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to appeal Citibanks research results on a dispute I filed ( XXXX ) in XX/XX/XXXX regarding a promotion ( XXXX ) bonus of {$500.00} for opening my checking 's account. I have still not received this bonus after meeting all terms and conditions of the promotion. 

I applied to open a Citibank Checking account over the phone on XX/XX/XXXX. However, my application was not immediately approved. 

On XX/XX/XXXX, Citibank sent me an email ( attached ) saying " we need more information to complete the processing of your application ''. Following the instruction I sent a copy of my Social Security Card by mail to Citibank. 

Then on XX/XX/XXXX, Citibank sent me another email ( also attached ) to notify me that my checking account is finally open. On XX/XX/XXXX I made a deposit of {$15000.00} to meet the requirement of promotion XXXX. 

Hence, it is clear that Citibank 's statement in their letter to me ( also attached ) that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe [ 30 days ] '' is false. 

I have made several phone calls to Citibank 's customer service since XX/XX/XXXX and submitted the attached documents by mail and fax. All the agents I spoke with supported my view that I should have received the promotion bonus, yet the bank 's back office did not look into the facts I provided when denying my dispute.

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 2020-06-04 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: IL

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to XXXX and Experian to dispute the incorrect status and nothing has been done.

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 2020-06-04 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 — Problem getting your free annual credit report
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am having issues accessing the site to receive my XXXX XXXX and XXXX Credit reports. I have been trying to get my report from the site and I keep getting kicked out.

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 2020-06-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having issues accessing the site to receive my XXXX XXXX and Equifax Credit reports. I have been trying to get my report from the site and I keep getting kicked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For the last 2 months experian is not reporting properly the status of my XXXX visa reward card.

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 2020-06-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being Comenity Bank to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought Comenity Bank was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, Comenity Bank reported to the credit reporting agencies XXXX, XXXX and XXXX that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. Comenity has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : I AM NOT GOING TO STOP COMPLAINING BECAUSE APPLECARD CONTINUES TO ANNOY, HARASS, AND INTIMIDATE ME BY SENDING ME EMAILS FALSELY ALLEGING I OWE THEM MONEY WHEN I DON'T. AGAIN AND STILL, Goldman Sachs/Marcus OWES ME {$500.00} AND XXXX   XXXX  OWES ME {$3200.00}. Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation