vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
On XX/XX/2016 I purchased a Harley Davidson from XXXX Harley Davidson, with my purchase they had a package for prepaid maintenance service {$1800.00}. I was told at the time of purchase that I just have to call the service department and schedule a appointment they will pick up the bike bring it in for service and drop it off. I have never used the service when I called to receive my services, The service department told me I had to pay {$100.00} for pick up and drop off. I explained to the department I was never told that and they need to honor the contract they would not honor the contract unless i took the bike to the Dealership. when i called management he looked up my information and told me that my plan was expired and they WILL NOT honor the agreement I requested a refund was denied I called my lender Harley Davidson was told nothing they can do I called back to the Dealership was told sorry. This is UNEXCEPTIBLE my bike only has 6200 miles and they should honor or refund my money. They NEVER told me I had only so much time to use it or mileage just that I had 6 services. I did file a Motor company complain ref # XXXX also. HOW are they allowed to sell plans and not honor or refund customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
ONLINE PUPPY SCAM STILL UP & RUNNING : XXXX robbed me of two bank transactions. One for {$950.00} through my XXXX XXXX XXXX and XXXX XXXX  in XXXX XXXX, IL XXXX Account XXXX Transaction ID XXXX and another for {$610.00} XXXX Transaction ID XXXX to a XXXX XXXX XXXX XXXX Account email XXXX I have over 90 emails between him and I with fake shipping receipts from ( check it out ) XXXX in which I was given the Tracking # XXXX telling me my puppy as at the airport and asking for more money, and I also have my telephone logs, etc. The Online Puppy Scammer 's bank account is with : FIRST FINANCIAL BANK, XXXX XXXX XXXX, XXXX, IN XXXX telephone XXXX I WANT MY MONEY BACK. I AM A XXXX XXXX ROBBED OF AN EMOTIONAL SUPPORT ANIMAL DURING THIS PANDEMIC. THERE GOES MY STIMULUS PAYMENT! HELP, PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP
State: ND

Complaint narrative:
So the very first stimulus check of XXXX dollars I deposited into my bank account on XX/XX/2020. I have proof of bank statements showing that it stayed in my account until XX/XX/XXXX when this debt collection agency law firm " XXXX XXXX '' took that money out of my bank account. I recently just faxed them a statement and the deposit slip and the actual check showing proof for when I made the deposit into the bank account on XX/XX/XXXX. I requested them to refund me 100 % of the XXXX dollars because they violated the FDCPA. That money was protected from being taken by a debt collector. If they do not return my money they are committing a severe violation of the FDCPA. This is the first time that I'm requesting a return of my money from them. I was not aware previous to this that the money was indeed protected. I am anticipating they push back because every experience with this law firm so far has been push back and never willing to work with me on any payment plans or anything of the sort. 

Because they took my money illegally, I was not able to make important auto repairs ( because could not afford it ) which then led to a severe car breakdown and I no longer am able to drive that car. I may have some recourse in small claims court regarding that? 

Is it possible someone can send a reminder call to the Rodenburg Law Firm that they need to abide by the FDCPA and send me back my XXXX dollars immediately?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: OH

Complaint narrative:
From XXXX to now I been trying to obtain funds out my XXXX account with pnc bank and returned them to the issuer as they instructed me to do so bank will not send back or release them to me so I can do so, with this taking place a legal matter is getting ready to occur with if I dont get the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Mountain Run Solutions, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I paid for a security deposit for a place I thought I was going to be renting but found out the person was a scammer. So I filed a complaint with my bank and gave all neccassary documents supporting the claim and was still denied several times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: GA

Complaint narrative:
There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANNER CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I called Banner bank to try to get a loan for my first house. I then got pre approved over the phone and they asked me series of questions to finalize the approval to see if I met the requirements. Call got disconnected and didn't think much of it since I thought I got approved, a few days go by they have not notified me of approval or rejection and comes to find out i now have a inquiry on my report from them which is not affecting my chances of getting a mortgage and this company refuses to help me in this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Are you kidding me? You conspire to create these problems and want 20 questions to pretend to solve them ( previous owner dead a year and offers to refine the home not addressed to me ). If your org. is on the mailer, you should be accountable. Cease and desist!

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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have two properties that were sold from one mortgage lender to another. In XXXX of XXXX XXXX XXXX sold our loan to AmeriHome Mortgage Lending. Unfortunately, this transfer was not communicated to us in a timely fashion. We continued to be invoiced by Planet after the " sale '' date, so we continued to make payments on both properties ( additional {$5000.00} for one ). We made XX/XX/XXXX payments to Planet not knowing that the loan was sold to AmeriHome. Planet Mortgage readily agrees that the payments were made and we have documentation that they received these payments. AmeriHome continues to state that they have no record of these payments that were made. We paid ( AGAIN ) XXXX payments to AmeriHome so that our credit would not be affected. In summary, there were TWO additional XXXX payments made on these properties and no one can tell us where those payments are. We certainly have not received credit for them. I have another account number for the other property that I can submit later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
I purchased & owned a timeshare. Payments were made & I still have not received my deeded weeks ( 5 weeks ). with XXXX XXXXXXXX XXXX XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections Manager with XXXX XXXX XXXX  XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections with additional fee for {$430.00} ( Association Interest : {$86.00} ; Late Fees : {$25.00} ; Collection Fees {$280.00} & Interest ( 5.5 % ) - {$36.00} more than the bill of & XXXX ( XXXX Maintenance Fee- {$820.00} & Taxes {$190.00} ). 

Paid XXXX, XXXX, XXXX fees were paid but I never received my deeded week. Highway robbery!!!! 

The documents showed XXXX & not XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: CT

Complaint narrative:
In XX/XX/XXXX, I received notice I was being sued by XXXX XXXX XXXX XXXX ( " XXXX '' ). Prior to being served, I was not contacted by the law firm handling the debt, Zwicker & Associates, or XXXX regarding the debt owed. When I told XXXX I had not been notified of the debt, they produced an unsigned letter dated XX/XX/XXXX addressed to an address I had not lived at for several years purporting to provide me notice. The letter provided contained an amount different from the amount represented in the law suit. From XX/XX/XXXX through XX/XX/XXXX, I maintained the same address which was not the address the letter was mailed. 

Once I raised the issue of notice, employees of the law firm representing XXXX began calling me and making false statements over the phone. They tried to induce me to make a payment claiming it would " help my lawsuit '' and " make things better for me legally ''. This is untrue. Not only would it restart a statute of limitations, but payments made outside of a legal agreement for a case actively in court may not be recognized by the court or could be misapplied by the company. When I explained to the callers that I would not make any payments outside of an agreement and that they were providing me with incorrect information, they again tried to push me into making payments by falsely claiming they were trying to help. 

I repeatedly asked Zwicker to provide a detailed accounting of the amount owed as the loan was serviced by XXXX, a company notorious for misapplying payments, incorrectly calculating amounts owed and payment amounts and collecting money for loans they no longer service. Zwicker failed to respond to my requests. 

I attempted to go to the local regulatory authority in Connecticut to help me obtain records, but found out that because they have attorneys on staff, the CT Department of Banking does not regulate them as a debt collector. Basically, they are able to circumvent the law and continue their forceful, violative practices that are in direct contravention of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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:
of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
TransUnion never answered me the first time, XXXX and XXXX answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.

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 2021-03-15 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: CA

Complaint narrative:
of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, XXXX and Equifax answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
I have sent a payoff to my account in the amount of {$10000.00} to this company to payoff my loan. The payments came in two separate payments in which was taken out of the two different bank accounts overnight. SLS had it in their possession the next day. They would not apply the amount to my account. They placed it in unapplied funds for several days. I called on three separate occasions, on XX/XX/2021 I was told they will hold my funds for 30 days to make sure the funds will not be insufficient and it will be applied to the loan in 30 days because I did not send payoff in certified funds. I called again on XX/XX/2021, because the unapplied funds disappeared on my account, the rep I spoke to was named XXXX, he stated the funds are still there showing in unapplied funds, he said he will applied one of the payments in the amount of {$5800.00} to the account and apply to the principle and the other payment of {$4500.00} he will send back to the account it came out of because it needs to be sent in certified funds. He said this process will reflect on my account within 3 days. I waited and no change. I then called on XX/XX/2021 and spoke to XXXX, who advised me the unapplied funds are still sitting there and he will apply both payments on the account towards the principle, he advise it will take 5 business days for this to go through. None of the reps could provide a reference number nor documentation to what they are stating they were doing to my account. No changes have been made. I called again today XX/XX/2021, spoke to XXXX she now states the funds are being sent back to the accounts they were drafted from and it will now take 14 days for this process to be complete. She advise they are holding the funds. I am trying to pay this loan off and they will not apply my money that was sent to them. SLS have lied to me every time I have called to inquire on why my funds are sitting there in unapplied funds. I have advised them I will be contacting CFCB regarding this issue they were not concerned.

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 2021-03-15 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: Southern Management Systems Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an online checking account with Suntrust Bank on Sunday XX/XX/2021. On Monday XX/XX/XXXX I went into the local Branch located at : XXXX XXXX XXXX XXXX, NC. On that day I met with a bank representative who suggested that I open a money market savings account so I did. I made my first deposit into the checking account in the amount of {$500.00} cash. I returned to the bank on XX/XX/XXXX with another cash deposit of {$500.00}. On XX/XX/XXXX at XXXX am I made a cash deposit of {$1500.00} and I returned later that day with another {$1500.00} deposit via check that was made out to me as a personal loan from XXXX XXXX XXXX, XXXX. After receiving my debit card in the mail on XX/XX/XXXX I went back to the back and made another {$500.00} deposit. I left the bank to see if my card was activated and found out at that point my account was frozen. To my surprise ... ..especially since the bank continued to take my money for 8 days straight and never once said there was any problems with my account. 

On XX/XX/XXXX I had a payroll direct deposit of {$1200.00} that went into that bank as well to total {$5700.00} No one from SunTrust Bank will give me any answers as to why my account was frozen and why they continue to hold my life savings. I am a XXXX years old XXXX man trying to nest egg money to survive throughout this pandemic and this bank has taken every dime that I have without due process. After some deliberation I didn't know what else to do except perhaps notify the local media in hopes in getting some answers. Which is why I pray that your agency can help me!

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 2021-03-15 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received a call from XXXX. The caller claimed to be a collections agent from Transworld System. The caller said they were collecting a debt from an address in XXXX Az, XXXX XXXX XXXX XXXX XXXX XXXX. The debt was from unpaid amount total a little over {$100.00}. The caller who said his name was XXXX and that Transworld was the collections agency for Arizona Public Service. He was calling about an outstanding debt stemming from XX/XX/2020. 

He asked if he had called ( my name ). I responded yes, for it is my name. At the conclusion of the conversation I hung up the phone with XXXX, and called XXXX. There was indeed a person with the same name, spelled slightly differently, living at that address, but the person 's information did not match my own. It is a common middle eastern name. That individual had verified themselves via passport. I have never lived in XXXX Az.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I was approved for a loan modification, completed the trial period. Signed all the paper work and sent it back in XXXX. Speaking to all different people some say they have it, others say no. Forclosure is still on my credit report. I have a third party helping me, he spoke with XXXX XXXX at XXXX XXXX XXXX. Extension XXXX. She said she had the paper work on Friday. Monday she was no where to be found and no one can find any paperwork. I would like to sell my home and can't because of my credit report. This company is very unethical. This started with an illegal foreclosure on their part. Please help me

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2020, account was closed it was a joint account that i had for a minor. My daughter is now XXXX and I ask for my name to be taken off the account. But my name was not taken off the account. Checks were written not by me and I am being penalized.

Company response to consumer: Closed with explanation