vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
We brought a vehicle back in XX/XX/XXXX. Our son totaled the car months later. Insurance was paid to cover a portion of the vehicle ( ~ $ XXXX ). GAP was to pay their portion ( {$870.00} ) and we were supposed to the remaining amount ( {$270.00} ). However, my son made another payment based on the letter he received in XX/XX/XXXX informing us of the balance. That being said there were issues internally where the money from GAP did not get transferred in time and the account was charged off. As you can imagine our credit score was shredded by over 100 points. 

XXXX XXXX agreed that this was their mistake ( " we take full responsibility '' ) as of XX/XX/XXXX ( my wife 's birthday ) but has shown no urgency in making things right. I have personally been dealing with XXXX XXXX of XXXX XXXX ( dealership we purchased the car - in fact we bought 2 cars ). 

XX/XX/XXXX ( XXXX ) : In an email thread between XXXX XXXX and XXXX XXXX there was a procedure referenced that informed us the steps that would be taken to fix our credit. This is the exact verbiage - Hey XXXX, The account shows {$0.00} balance as of XX/XX/XXXX. 

Once the dispute letter is received and reviewed by the Credit Dispute group, if approved they will notify the customer and all 3 bureaus with an AUD number. The AUD number is the control number/confirmation number where a lender authorizes an edit to the customers credit report. The bureaus will then make the changes. The changes, we are told, typically take 60 90days. If a customer calls the bureau directly with their AUD number, they can request a manual update. 

Thanks, XXXX XX/XX/XXXX - We received the refund in the mail on this date. XXXX could not advise us on when we would receive this but continued to tell us he had no information yet he was emailing Hyundai Motors Finance. How does a check come to us and the people he was emailing have one in the system for us and in the mail. Yet, he could provide no details? 

XX/XX/XXXX - As of today there is no update on our credit. As mentioned above you can see the steps they were supposed to take but nobody can advise us with an update nor an AUD number. In fact, my son got a call today stating the very opposite. That Hyundai WOULD NOT be able to do anything to repair our credit.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened my checking account at TD bank on XX/XX/XXXX when there was the following promotion : receive cumulative direct deposit of {$25000.00} within 60 calender days of account opening and receive a {$300.00} bonus. The bonus will be credited into the new personal checking account no later than 140 days from the account opening date. I completed the direct deposit requirement ( direct deposit from my employer ) but as of today ( more than 140 days after account opening ) I still have not received my bonus. When reaching out to TD Bank they kept providing differnet and contradictory reasons on why I didn't qualify for the bonus when in fact I strictly followed all terms and conditions. People should stay away from this bank that refuses to honor their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC BANK Loan Reference Number : XXXX XXXX XXXX, NMLS # XXXX Loan Specialist Fulfillment, Consumer Originations Lending Services PNC BANK XXXX XXXX XXXX, Location : XXXX XXXX, MI XXXX Office : ( XXXX ) XXXX This complaint is made in connection with the above-referenced loan and the Loan Specialist servicing the loan, XXXX XXXX ( NMLS # XXXX ). Currently there is a dispute about the home appraisal for this loan. I provided the Loan Specialist a number of documented home improvements that substantiate an increase in the original home appraisal and he represented that this would be enough information to require an in-person appraisal of the home. This representation was false as he later informed me that the underwriter would not conduct an in-person appraisal and would not increase the initial appraisal amount despite the information that was provided to him. 

I have requested multiple times to speak directly with the Loan Specialist 's manager or supervisor and he has ignored all requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank today unlike no day before has closed all my accounts this is horrible unreasonable unconstitutional its not fair I did nothing to them I was a loyal customer since 2016 they never had I had never given them any problems to let me go like this I was unable to login to my online banking and when I called I was treafnerfed to a dept risk which said my accounts were under pending closure review this is not fair unlike never seen before I asked for more information they would not give me a reason and said their sending a cashiers check I love Bank of America and dont appreciate them treating me like this I did nothing to them for them to shut me and my accounts like this and tell me that they dont want to do business with me anymore and that I can never have any deposit accounts with them anymore Im shocked and feel this is unreasonable to me i loved doing my banking with them but this is shocking for me to see and hear that I can not overturn this decision or open any new accounts with them now or the future totally unfair I feel Ive been discimaimted Ans their had been fraud in my name I am a victim of identity Theft

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a personal email solicitation from Bank of America inviting me to open a checking account with {$50000.00} to receive a {$500.00} bonus after 60 days. We visited a local branch, presented the email and told the rep that we wanted to take advantage of the offer, We deposited {$5000.00} on XX/XX/XXXX. As of today XX/XX/XXXX we have NOT received the bonus money. We visited the local branch and spent over an hour with XXXX XXXX who agreed the money was due. XXXX called the bank 's main office and after an hour we were told that the issue would be investigated and to check back in 60 days. The branch manager XXXX XXXX agreed with us since we brought the original email, the notice of the original bank appointment and all receipts. She said they can not do anything. 
This is false advertisement targeting seniors since I am XXXX and my wife XXXX. 
You have to stop these crooks before other senoirs fall prey to their scam! 
Please help!

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently receiving government benefits through the California State Employment Development Department. 

On XX/XX/2020 I was awaiting a deposit around {$900.00}. I typically call Band of America automated number to verify that my card has the funds posted. This time there was only an existing balance and not the larger deposit I was waiting for. I then checked my EDD account and it said the funds were in qualification stage. 

On XX/XX/2020, I went to a Bank of America ATM and it said the funds were still not there. I then verified the EDD account which still said in qualification status. I assumed nothing would post on Sunday XXXX XXXX. 

On XXXX XXXX, I went to an ATM without checking EDD and the funds were not there. When I checked my EDD account, it now said a withdraw had been made at a nearby ATM for {$980.00}, after first checking the balance. 

My ATM card never left my possession. 
On XXXX XXXX, I called Bank of America to report the fraud withdrawal. They provided me with another number specifically for fraud of EDD funds. They also sent a new card in the mail. 

On XX/XX/2020, I called the number specifically for fraud of EDD funds and had to provide the details so they could investigate. I was told the process was new and confusing but the EDD fraud was prevalent. They said a supervisor would call me within a few days. 
I Never received a call from Bank of America. Instead, I received a letter XX/XX/2020 stating that my account was closed and the claim for the investigation was never submitted. 
I called XXXX XXXX and every couple days later to ask for credit for my FDIC-insured EDD funds that were stolen and they refuse to talk to me at all. They say, " Since your account has been closed by EDD, you need to speak with EDD. We can not discuss anything. We can not assist you. E Every time I speak with EDD they assure me, my clam is fine and they never requested to close my account. They say that the issue is with Bank of America not honoring the funds which are insured. I have since started getting my benefits via hard checks mailed to my 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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX, received a two-minute call from Financial Asset Management, where I requested no phone and to correspond in writing only. 

XX/XX/XXXX - ( still waiting for phone bill from t-mobile ). Spoke to a representative from Finacial Asset Management, I asked her why are they calling me when I requested no more calls on my cell phone. The young lady did not apologize for the call, did not say I will remove your phone she just rudely and abruptly hung up the phone on me. 

XX/XX/XXXX XXXX ( today ). I received a call from Financial Asset Management and I answer the phone and kept saying hello a couple of times and the person on the other end was quiet and would not speak. I stated very clearly Financial Asses Management you are not harassing me, and the person on the other end immediately hung up the phone. It was obvious I was documented as not to call because the person would have asked for me and would not have hung up after I made the statement that this is harrassament.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am having a very difficult time with SLS - Specialized Loan Services. Because of COVID in 2020 I lost my income. SLS placed me on a forbearance under the CARES ACT. In XXXX I applied for a loan modification and was declined in less than a week. I don't think SLS even reviewed me or placed me in underwriting. The decline letter states I was approved for a short sale which is proof they never looked at my file, I have equity. Also the decline letter states they were not able to verify a qualifying hardship. Is a national pandemic that has killed 300,000 Americans is not a qualifying hardship? Again proof they never reviewed my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
1. The name on my credit report currently shows as XXXX XXXX XXXX and it should show XXXX XXXX XXXX XXXX 2. My current address on my credit report shows as XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX and it needs to show as XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX which is my current address. I have tried changing this information with Experian and they have been non cooperative

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  PST I called customer service at CNB for my credit card ( XXXX ). I was calling to close my account since I had not been using it, and there is no reason for me to keep an account open that has an annual fee which I am not using. The annual fee was charged to my account on XXXX XXXX, and so I called at the first opportunity I had available to address it. 

I was told that the annual fee ( {$400.00} ) would not be reimbursed if I closed my account, and I was responsible for the full year membership fee of a card which I had not used and was closing essentially at the same time the fee was being assessed. 

This bank 's practices is a clear example of customer abuse whereby the bank refuses to revert an annual fee charge even if the customer does not use the account at all following the charge and immediately contacts them to close the account. I would imagine there are many people such as myself who have forgotten about this card until the annual fee posts, and called to cancel and have the fee reversed. This is what literally every bank other than this one does. I also suspect that many people just pay the annual fee and forget about the card for another year, repeating the process - which is clearly an abusive practice by this bank. 

I made a reasonable request for my annual fee to be reversed and my card account to be closed. I was told that in order for an annual fee on a card to be reversed, a " personal banker '' would need to see if that was an available option, and if so, to do it. The customer service rep told me that she would submit the request on my behalf. Since then my credit card statement with the annual fee has posted, and I have yet to receive any indication from anyone at this bank that action is being taken to reverse the annual fee and close my card. 

I would like my annual fee to be reversed and my card account to be closed. This is a reasonable request on an account in good standing that has no use following the fee being assessed, and the request being made shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a series of letters to Equifax, XXXX  & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from anxiety and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: NY

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2021-01-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2021-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Porania, LLC
State: PA

Complaint narrative:
I filed for Chapter XXXX bankruptcy. The Mortgage holder sold my mortgage and the bankruptcy was terminated or dismissed. I now have been working with the new Mortgage holder and have paid XXXX $ to correct the situation. The report has the bankruptcys as open still.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Over the past two weeks we have left no less than 5 messages for the negotiator, XXXX, and also a message for the office of the CEO on Monday XX/XX/11. USAA and the negotiator, XXXX had the audacity to claim we are unreachable. ******** WE WORK FROM HOME AND WE HAVE NOT ONCE EVER RECEIVED A RETURN CALL FROM NEITHER THE NEGOTIATOR NOR MANAGEMENT. XXXX **************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH USAA XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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