vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Auto payments were setup to make payments on a car loan. Starting onXX/XX/2013. The payments were made on time for 4 1/2 years. Then unexpectedly stopped before the end of the loan. It was found by my bank the the number of months for the loan were incorrect. I was out of the country, in XXXX, that month. When I returned I found the late notice in my mail. Bad timing for me to be away from my mailbox. The loan was at the end of it existence so I went ahead and paid off the loan in full. The financial institution, XXXX XXXX XXXX, reported to credit reporting agencies a missed payment greater than 29 days. I spoke them about my circumstances leading to my missed payment. Their reply was, " We acknowledge participation in credit reporting system is voluntary ; however our company has chosen to report the payment experience of our customers. Therefore, we do not subjectively remove accurate information we have reported to the credit reporting agencies. We are unable to remove delinquencies or change the way we are reporting your payment history as a courtesy or as a gesture of goodwill for brand loyalty. There is a problem with that statement. It does not take into account that we live in a digital age. that consumers have lives outside of this black or white constraint. Or take into account a non planned outcome do to a digital mistake. I ask for this delinquency be removed from credit reporting agencies. Because there was no intent to defraud XXXX XXXX XXXX. This is a unfair mark on my credit for no good reason. This can cost me thousands of dollars when purchasing a home. There is no answer to, why? It is simply a fine place on me for a future home purchase. Shame on XXXX XXXX XXXX for not acknowledging a legitimate digital mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: PNC Bank N.A.
State: PA

Complaint narrative:
I received 0 % balance transfer checks stating no interest until XX/XX/XXXX. In XX/XX/XXXX, I transferred approximately {$2600.00} onto the card via this check. Since then, all my payments have been allocated to the 0 % balance transfer even though I had several {$1000.00} 's in purchases. When I spoke to the bank, they said because the rate on purchases is also 0 % ( until XX/XX/XXXX ), they applied all the payments to the balance transfer. As a result, I received no benefit of the 0 % rate until XX/XX/XXXX and the full balance will begin accruing interest in XX/XX/XXXX. It should've been disclosed that I would not, in fact, have the benefit of 0 % balance transfer since I was on a promotional purchase rate. I paid a 2 % balance transfer fee and essentially paid the full amount back the next month. When both rates are 0 %, they should apply amounts over the minimum to the 0 % rate expiring first. I can provide the credit card statements but do not want to upload via this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Collection Services, Inc. (OK, TX)
State: TX

Complaint narrative:
Called American Collection Services on XX/XX/18 at ~XXXX CST to inquire about a debt letter they sent and their rep indicated that the collection was already reported on my credit and would continue to negatively affect me. When I questioned the validity of this statement, she back tracked and denied ever giving this advice. I immediately asked to speak to a supervisor and she said one was not available. I hung up the phone and called back and had another rep route me to supervisor XXXX XXXX, who was actually available. XXXX seemed less than interested in resolving the issue, mentioning that he was too busy to review the recording. Mentioned he would have another manager call me back, but seemed unlikely at that point. This debt service company is allowing their reps to give legal advice when collecting debt and needs to be reprimanded to correct the culture that seems to come from the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: FL

Complaint narrative:
I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.

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 2018-04-10 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: FL

Complaint narrative:
I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2018 I was informed that our Key Bank credit card was declined. Knowing that there was more than enough money in the account, I called XXXX and spoke to multiple representatives in many different departments of Key Bank. I was eventually informed that our company account was being closed because it was deemed a " risk '' to the bank to keep it open. I asked how that was possible when we have not had any overdrafts, declines, lack of activity or anything, and we maintained a positive balance at all times. I was only told that the bank " calculates these matters and makes a decision '', frustrated with the lack of any detail in the response, I continued to ask what made us a risk. Key Bank continued to tell me that they have no further information and it can not be undone, and that Key Bank has the right to close my account at any time. I asked why I was not notified of this at all. Key Bank then claimed that a certified letter was mailed to an old address of the company, when I asked for proof that anyone signed for that letter ( knowing that it is a vacant building currently for sale ), they said they have no proof that anyone received this letter. I then asked if there is any proof that anyone called the company to inform us this was going to happen? ( knowing that we had not received any such call from Key Bank ). They responded that they do not have proof of that either. So now our company account is frozen, company bills can not be paid ( including rent ), employees can not be paid and feed their families, and the balance of our account will be mailed in a check sometime next week to the abandoned building we used to occupy. I even went as far as calling the local branch we opened the account at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) -  XXXX for more details. They also would not provide me with any details as to why this is happening, nor would they provide me with any proof that they attempted to notify us of this. I informed them that is the shadiest banking experience I have ever been a part of and I do not understand how they are not violating some consumer protection right by doing this to us. No one along the away showed any remorse, nor were they helpful in any way. Our company will now suffer several late fees and penalties on bills we can not pay since our account was frozen without us being made aware of this. I very strongly feel that Key Bank should be responsible for these fees and should be investigated and forced to provide some proof that they notified us of any issue leading to our account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My issue is with Toyota Financial Services ( TFS ). In XX/XX/XXXX, I wanted to make a payment to principal on my loan. I attempted to do this on the TFS website where I make standard payments. The website does not allow for principal payments. I telephoned TFS and spoke with a customer service representative name XXXX. XXXX provided me with the TFS address for sending principal payments. XXXX also informed me that I could make a principal payment over the phone with a representative. On XX/XX/XXXX, I called TFS and made a principal payment by phone, and about a week later, I received a letter of confirmation from TFS for this payment. 
This XX/XX/XXXX, I again called TFS to make a principal payment to my loan. This time, the representative told me they do not accept principal payments over the phone ; they only accept payments by mail. This was confirmed by a supervisor and I submitted a formal complaint about the matter. 
In my opinion, this is a shady business tactic. TFS charges interest on a daily basis. Not allowing online or phone payments that can be processed in a timely manner, allows them to charge more interest to the consumer, in the time it takes for the consumer to hand write a check, place it in the mail, the parcel ships ( 2-3 days ), and while it sits on someone's desk waiting to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.

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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.

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 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I opened an account with Ctiizens Bank with a promotion that promised to post a {$200.00} bonus credit to account within 90 days of an eligible direct deposit that posts to the account. Such an eligible transaction occurred on XX/XX/XXXX. However, the promotional bonus was not posted within 90 days, and instead was posted on XX/XX/XXXX. I was charged " overdraft '' fees three separate times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I never signed up for overdraft protection with this bank, and my account balance would not have gone below {$0.00} had the bank posted the promotional bonus as per the terms of the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a {$10000.00} electronic payment from my checking account to pay down a portion of my existing Home Equity Line. This {$10000.00} was never applied to my {$75000.00} balance on the Home Equity Line. During the same week, we refinanced the HELOC with the same bank & they opened up a completely different account. However, they transferred the full {$75000.00} and did not reduce by the {$10000.00}. I have repeatedly called their loan department, as well as my local branch, and they keep saying that they have a new system and are having issues. They acknowledge that the money was never applied to my account. As of today ( XX/XX/XXXX ) ... almost 1 month 1/2 later ... .I still do not have the {$10000.00} either in checking cash or applied to the HELOC. I understand under the Expedited Funds Availability Act that  this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I received a statement dated XX/XX/XXXX from my mortgage company stating my payment was late and that I was charged a late fee. I called on XX/XX/XXXX after returning from an overseas trip and spoke to XXXX ( agent number XXXX ). XXXX explained I received a late fee because my payment was received after the grace period. I told XXXX I have confirmation from my bank indicating they sent the XXXX payment on XX/XX/XXXX and Freedom Mortgage received the payment on XX/XX/XXXX. I asked XXXX to check into why it took Freedom Mortgage ( Headquarters location is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, NJ XXXX ) so long to process the payment. XXXX put me on hold and contacted a team leader. XXXX came back on line and told me there was an issue at their payment processing center during the month of XXXX and that they are going to waive the late fee. I told XXXX thanks, but this is the second late fee I have been charged by Freedom Mortgage through no fault of my own and requested to speak to a supervisor. XXXX transferred me supervisor XXXX ( agent number XXXX ). XXXX told me the company had is issue with their lock box in XXXX and it caused a lot of customers to receive late payment charges/noticed. I asked him since the company knows they have an issue, are they taking corrective action automatically or are they only thanking action when customers call to complain. XXXX indicated they are taking action when customers call. He gave no indication the company is taking corrective actions for the accounts where customers do no notice the late fees. I can provide supporting documentation if required.

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 2018-04-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was advised by my credit reporting company to get copies of my credit reports.

I requested 3 reports. It only showed my Experian report, but not the other 2 reporting companies.

I am unable to identify information that is on my report, ( lack of company names and identifiable information ).

I was unable to get through to XXXX XXXX XXXX.

Unable to speak to a customer service rep.

Unable to resolve.

There is no place on their website to request all three to be mailed, only print, the only one was Experian, NOT XXXX XXXX or 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 non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today, I paid my credit call bill with XXXX XXXX XXXX XXXX card. I asked them if I could have my interest rate lowered due to me having great credit. They told me they could check to see if that could happen, 1 minute later the rep over the phone told me that it wasnt possible because my 15 % apr rate was the lowest. My APR rate was increased without my knowledge plus my credit line last year. I asked for my credit line to go back to where it was before which happened but not my APR rate. I asked to be transfored to a financial department that makes the decisions on APR rates and was denied. Chase told me they could not handle my requests. I was transfered to XXXX card financial department and they told me they couldnt help me and knew very little about Chase bank and the type of deal they have with Chases card services. They only encourage consumers to use XXXX Rewards for 3 % cash back. I then told them I am filing a complaint with CFPB but referred to you guys as the credit consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom this may concern, I submitted 2 letters to Equifax regarding 4 hard inquiries that are on my report, from almost 2 years ago. I have let Equifax know that I wanted to dispute these because these inquiries are NOT mine. I have asked them to provide me with documentation bearing my signature that I authorized these creditors to run my credit and allow such inquiries to be placed on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent letters out on XX/XX/XXXX and to my knowledge the creditors have 30 days to respond or the inquiries have to be taken off my report. I have also written ANOTHER letter and sent it off XX/XX/XXXX. Both letters were sent by certified mail. I have also called Transunion and yet NOTHING has been resolved. Because these companies can not verify that I authorized these inquiries I am requesting these inquiries be taken OFF of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
I had a lease that was supposed to end in XX/XX/XXXX. I took the car back to the dealership on XX/XX/XXXX, returned the car and entered a new lease with the same company. Was advised older car was paid off, and no future payments would be withdrawn. I received an email stating that a payment will be withdrawn on that account on XX/XX/XXXX. Not sure how they can do this when the account balance is XXXX. They say it is because I am still in autopay. How can I be in autopay when the balance is XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am a co-signer on a vehicle my daughter purchased using Santander Consumer loan company. My daughter fell behind in payments, vehicle was reposessed in XX/XX/XXXX. The original loan was {$12000.00} for XXXX XXXX XXXX. My daughter made payments of {$550.00} a month for a year in XX/XX/XXXX. After vehicle was repossessed I received a receipt that the vehicle was sold after repo and there was a {$12000.00} unpaid balance. After fees for late payment, retaking vehicle and cost of selling vehicle there is still a {$7400.00} balance due. 

Santander did not take into account the payments that were made in XX/XX/XXXX, which should have made the remaining balance much lower. I believe Santander prey on minorities by charging double the going interest rates over 29.99 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year. 

I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful. 

I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application. 

Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs. 

As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it. 

I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs. 

Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application. 

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