vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NE

Complaint narrative:
So I have two separate things that need to be addressed. I have a total charge of {$180.00} ( which I disputed and I received a email stating that a error did occur. Ive told multiple reps this and have even sent in the proof to them already multiple times. ) And for the transfer that was {$200.00} to my XXXX XXXX account on XX/XX/2020. It hasnt shown up and I have given them AMPLE amount of time for this to come in and be fixed. 
All the reps I keep talking to state that these never occurred or that Im lying and that they did happen. They either 1 ) got reversed already ( LIE ) or 2 ) they got denied and Im stuck being out almost {$400.00}. ( LIE )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Regarding : Specialized Loan Servicing LLC Account # XXXX Going back several months I have been making additional payments directed to lowering the principle balance of account # XXXX. The Mortgage is held by Specialized Loan Servicing LLC. My additional principal payments are not applied in timely manner to the principal. SLS ( Specialized Loan Servicing LLC ) holds the funds in suspense account and on the following billing statement the additional principle payment is not applied. The last two months I have directly made payments using the online payment method and using the specific additional principle payment option on the SLS payment site. There is no compliance and consistency of them correctly and in a timely manner applying the additional principal payments to my principal balance does not exist. sometimes they apply the payment and sometimes they apply it to the following months. 
On XX/XX/2021 I made my regular Mortgage payment and sent an additional principal payment of {$370.00} to date they have not applied the {$370.00} to the principal balance, the XXXX billing statement reflects a suspense balance of {$370.00} in unapplied funds, and a lower XXXX payment due. I have sent them Online communications of this Book-keeping error the previous times it has occurred they have not addressed it and in some instances they ignore my online messages making it necessary for me to call and speak to a representative.

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX we started an application to AmeriSave Mortgage Corp, which agreed to provide a re-financing mortgage, loan number XXXX, for {$190000.00} for 30 years, at a fixed rate of 2.125 %. In a XX/XX/XXXX, email from sales manager XXXX XXXX to us, AmeriSave agreed to lock that rate. On XXXX XXXX, AmeriSave changed the rate to 2.25 %. We requested 2.125 ; they repeatedly said the rate would be 2.125 %, but at closing the rate was 2.25 %, which we signed under protest. 

We believe the facts are not in dispute. We and AmeriSave both have the original and as-signed loan documents as well as the correspondence between XXXX XXXX and us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Some one took out a card in my name .I was unaware until I got court papers one a card I never sign or ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: MA

Complaint narrative:
On approximately XXXX I submitted a credit report dispute with Experian against an account with XXXX XXXX that was included within my XXXX Bankruptcy on approximately XXXX. 

The dispute was initiated through Experian web portal and submitted with no issues. I within the ensuing days received emails from Experian stating that it would be wrapping up soon. 

On approximately XXXX I received an email from Experian that the results were completed. The results however were not updated to reflect an account that was included within a XXXX bankruptcy that has subsequently been discharged on approximately XXXX. 

XXXX XXXX continues to harass myself with collection calls from outside agencies, and has disallowed any sort of new services unless the discharged amount is paid in full of {$390.00}. ( A subsequent report has been filed against XXXX XXXX. 

On receiving the report from Experian the company instead of changing the account to be included with a bankruptcy allowed XXXX to update the account and add on further months of delinquency further damaging my credit score that I am trying to repair. As well upon further analysis of the Experian report they have allowed XXXX to list the account twice as well as allowing the second instance of the same account to show negative as well which is also further damaging my score. 

This is my last step before initiating a lawsuit against XXXX and Experian.

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pnc bank mortgage account XXXX closing was on XXXX. Amount is {$110000.00}. On XXXX {$950.00} was entered into my pnc bank account - checking without explanation but close to amount that was to be distributed to me. 
The complaint is that no accounting was sent to me and most importantly the funds have not been paid by pnc to previous mortgagee and no funds have been paid on 3 credit card accounts as was scheduled. Interest charges keep accruing. 
Pnc loan processing has failed to distribute funds. Also, there seems to be no loan processing communication with pnc mortgage dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been trying to reach out to XXXX to close my checking and savings accounts for more than a week now via phone and email, but I just can not get a hold of anyone in their customer service. My initial contact was on XX/XX/2021 and I've been trying to follow up every day since. 

I have successfully withdrawn the entire balance from both accounts and they're now at {$0.00}, so there should be no issues closing either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX, XXXX XXXX, I received an email saying " Hooray, your order is confirmed! '' saying I bought {$470.00} worth of bitcoin through XXXX XXXX which I had not. Then it said " Issue with this transaction? '' call the resolution center at XXXX XXXX XXXX. I did and they offered to put {$500.00} in my checking account ( which they already had access to, unknown to me ) so I agreed out of fear because that account had a lot of money in it due to a recent property sale.They put a screen on my computer called XXXX XXXX and told me to enter {$500.00}. When I did it changed to {$50000.00} and the decimal point disappeared.They acted very upset and said I needed to return the money, directed me how so I did believing I had someone else 's money.What followed was an offer to give me {$2000.00} for my trouble and send a wire transfer to XXXX for {$48000.00}. I was given all the name & banking information to do the transfer so I went to my bank, Wells Fargo, to obtain the wire transfer. My main issue is their knowledge of the bank account number without me telling them ; they said I opened a XXXX account with it XXXX, which I did not. I have filed a local police report, filed a wire transfer claim with Wells Fargo and was told it's too late, I notified XXXX as their logo was at the top of the email & I obtained legal advice.

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 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: PA

Complaint narrative:
In XXXX of XXXX I had to have a medical procedure that was deemed important and necessary. I had medical insurance, XXXX XXXX, through my employer, XXXX XXXX. The medical procedure required me being anesthetized. I went to a medical provider in network. I was not told that the XX/XX/XXXX was not in network, and was not given a choice. I was also not given a bill at time of service. In XXXX, I had been mailed a bill from XXXX XXXX XXXX XXXX XXXX, of XXXX XXXX, NY. It was for more than {$2000.00}. I immediately notified both my employer and the insurance company, XXXX. Someone said they would look into it, and I figured that they would. In XXXX, I was sent to collections. As I was no longer working for the same company, the employer could have cared less and were no help. I reached out to XXXX, and one person there acknowledged that this should have been paid, and promised it would be taken care of. Six months went by, and this was still on my credit. I have no confirmed that the insurance company has actually paid the bill. However, XXXX XXXX XXXX XXXX XXXX, while having received payment, has refused to take this off of my credit. It has now been since XX/XX/XXXX that this has been paid, and I have the statement of benefits from the insurance company that it was paid and nothing due to me. This remains on my credit still, and no one at XXXX XXXX XXXX XXXX XXXX will assist, as they sold off the debt apparently to an in house collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I believe my identity was stolen. I never opened up or even heard of the bank money lion until they took {$290.00} out of my bank account. They wont answer phone calls or emails. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: FL

Complaint narrative:
Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.

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 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am a victim of an online scam in which a fraudulent check was processed through my account because I believed them to be the company they claimed to represent. As soon as I found out that this wasn't the case I immediately called my banking institution on XX/XX/XXXX to get the check totaling in an amount of {$3000.00} dollars to be canceled in which they said that they couldn't stop the processing and I would be charged a {$10.00} dollar fee even though they knew the check was fraudulent. 

On XX/XX/XXXX I went to the nearby branch with proof that this was a scam I had been victim of. Branch manager XXXX XXXX was the one who had helped me but only stated the same things I was told on the phone. That I would have to wait and only when I returned with my mother did the manager state he would attempt to expedite the return of this check so that I could close down my Huntington account. He had also claimed to call me once the check was returned which did not happen, I had to check myself after receiving an email that I had a negative balance in my account. 

So again on XX/XX/XXXX I went up the bank branch and spoke with XXXX. The feeling that they didn't care about my livelihood or continued business with them was evident by their lack of care nor urgency with this matter even after allowing them to make copies of my in hand evidence. Even being as careless as to ask me to give him my SS number out loud with another customer present, which I did not do. My account is currently sitting at a - {$3000.00} balance that shouldn't be there at all. I do not owe the bank anything since I never spent a dime of the fraudulent {$3000.00} dollars. In fact Huntington took the remaining {$5.00} dollars in my account even though that had nothing to do with the check in question. I am worried that this will most definitely reflect poorly on my credit score and the other debit card that I recently opened with XXXXXX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I took out a loan for a vehicle that I purchased in 2018 with Ally Financial. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

Ally has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my Ally account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to Ally and XXXX about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, 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 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection report a new attempt at fraud. Similar reports were removed after investigation ( with or without CFPB assistance ). Obviously, after removal, the old, removed collector has resold the fraudulent rights to a new unsuspecting collector another rung down on the ladder.

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Last year Capital One closed my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) unexpectedly for one reason : activity that is not consistent with the banks expectation ... I had purchased tires online as a gift for my son, whose father had recently died in his arms. This is what they closed my rewards card for. Never a late payment ; never over the limit. Last month, I decided to open another card with Capital One based on being prequalified for two of their cards. After applying, they congratulated me on the card, sent an email when to expect it in the mail. When I went to activate the card, the day I received it, I was sent to a representative. This person said it was bad. I immediately felt offended. Bad, how? He said my account was closed. I asked how could that be since I just received it, and was trying to activate. Instead of giving me a reasonable answer, he gave me the run around, acting like I did something criminal. In fact, I told him that I was offended, and this whole thing was humiliating to me. Why approve me for a card and then close it before I even used it? Heres more issues : I took another 4 point reduction on my credit score for applying after they prequalified me ; now Im waiting on another hit to my score due to a card I never used being closed by them not me! All this because I purchased tires for my son?! That is inconsistent expectations? Are they stalking every purchase? I do nothing illegal, Im a tax paying home owner ... I stand extremely offended. Not only did Capital One close one account for inappropriate reasons ; they closed two. Furthermore, the representatives were extremely demeaning and I do not appreciate being condescended to that something bad showed up on the computer screen! A tire purchase is the only think I could think of. They were over {$500.00}, but I paid them off right away. Other purchases were typical. Groceries ... gas ... I have had enough of Capital One. Their actions have cost me a lot of damage to my credit. Please help. Thank you in advance! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
XXXX Contract Agreement fails to include disclosures required by the FCCPA ( I.e., Amount Financed ; Finance Charge ; Annual Percentage Rate ; Payment Schedule ; Total of Payments ; Total Sales Price ; Prepayment ; Late Payment ; Security Interest ; Contract Reference ; Itemization of Amount Financed )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX Eastern Standard Time, I confirmed an online payment from XXXX XXXX XXXX XXXX XXXX for my balance due of {$190.00} on my DiscoverCard. Payment was due on XX/XX/XXXX. I had already had automatic bill pay set up through my XXXXXXXX XXXX  account, but my assumption was that because I had paid online and subsequently received a confirmation code ( XXXX, see attached ) prior to the due date, that amount would not be deducted twice. 

Unfortunately that amount was deducted twice, once via online bill pay and once via automatic bill pay. To further exacerbate things, I was charged an overdraft fee of {$35.00} from XXXX XXXX due to having insufficient funds. 

Upon speaking to Discover through their online chat function on XX/XX/XXXX ( see attached ), I was notified that though they would make a note in my account that the amount would be credited back to my XXXX XXXX  account but they could not provide any confirmation code or email that conveyed this would happen, nor would they work with XXXX XXXX  regarding the overdraft fee. It was also confirmed that had I not realized the double charging, XXXX would not have notified me of this mistake. 

On XX/XX/XXXX, I was able to confirm the amount was indeed credited back to my XXXX XXXX account. I am now in the process of trying to get the overdraft fee ( {$35.00} ) that was imposed upon my account to be waived with no support from XXXX. 

Given we are in a global pandemic with millions suffering in this economy, it is outrageous that Discover Card has this " loophole '' in their payment process. I am sure there are guardrails in place to prevent this from happening to them, were the roles reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, my name is XXXX XXXX. I have a big problem with suntrust bank since XX/XX/2020, the bank closed my account and I had funds in this account of {$12000.00}, the bank closed the account and there is money in the account {$12000.00} after close. 
I contacted SunTrust Bank customer service directly and he said we closed the account and put the money in the wallet without any reason and they said the money is in XXXX XXXX, so why is my money in XXXX XXXX Money on Suntrust account, 1- Why did SunTrust Bank send money to XXXX XXXX ? 
They said I have to contact XXXX XXXX, so how do I have my money with suntrust bank and they want to contact another bank? 
This is the third report I have written in SunTrust, no one is calling me ignoring my reports and they don't want to fix the problem, I am trying to solve this problem without court but if SunTrust contacted me and tried to send it cashback on my address with a XXXX check I will sue SunTrust in court.

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