vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I closed my account XX/XX/2020 and was told I would receive my check for balance in the account {>= $1,000,000} within 30 days. A couple days later I received email asking for me to provide source of my income. I provide the source of my income thru invoices which was stated in the email that I could use. I later get another email asking me to provide copy of my licences front/back as well as copy of utility bill in my name to verify my address. I provided the information thru email. Then I later recieve another email asking for XXXX and I provided that as well. I also received email XX/XX/2020 that I would receive my funds within 3 to 5 business days thru express mail. 3 hours later I received another email stating there was a hold placed on my account. On XX/XX/2020 I received email stating my account was closed. I don't know how because I closed the account on XX/XX/2020 and I also have the email that was sent to me stating I closed the account XX/XX/2020. I have been getting the run around about my money. Bank states I broke policy 9 which there's no policy to be broken in the section. The policy states that the bank reserves the right to keep any remaining balance thats {$1.00} or less left in the account. I have {>= $1,000,000} left in the account I closed. Well over the balance they allowed to keep. I have all emails that was sent to me at one point or another stating my check will be mailed out on this day. I have one email that says my check was being mailed out on XX/XX/2020. I also have email XX/XX/2020 that states I will receive my check within 3 to 5 business days. It all boils down to I was asked for documents, and those same documents I sent thru email to the bank. I did what was asked of me. It also states in section 9 that I must request that the remaining balance be sent to me. I did that as well and for no reason at all the bank still has my funds in there account. I have all emails I sent as well as all emails I received from the bank. All documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have called and emailed Kia Finance about my new vehicle loan at least four or five separate times regarding excess payments I've made to my loan. The first five payments I made were more than the required monthly payment. The additional amount is to be applied to the principle balance of the car note. On at least four separate occasions I have called and asked that the additional payments I made be applied to the loan balance and not credited to future payments. Each time I call, I am reassured that the payments will be corrected and I will be notified when it's complete. I'm going on month seven of my loan and none of the additional payment amounts I made have been applied to principle. My requests are simply being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
I disputed this account on XX/XX/2020 and it now XX/XX/2020. It was with XXXX XXXX and account number XXXX. It has been over 30 days since I disputed this last and they have fail to respond. I had also disputed this account numerous times for different reasons in XXXX, XXXX, and XXXX and both Experian and the creditor failed to put the notice of dispute within 30 days from the first dispute which is a violation under the FCRA 623 and FDCPA 806 ( b ). It's abundantly clear that the information was not entered and  therefore, the account can not report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Months have gone by since i disputed this debt with LVNV Funding, LLC that they purchased from XXXX XXXX XXXX. XXXX  XXXX XXXX   launched an investigation and it was concluded that this {$460.00} does not belong to me. I forwarded this letter to LVNV Funding, LLC MULTIPLE TIMES, however, they refuse to remove this debt from my credit report. Noone has contacted XXXX XXXX XXXX  via the letter i forwarded to them. I want this removed from my Credit reports ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MA

Complaint narrative:
I have more than paid back the loan. I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a new Account with Regions Bank and told them to Deposit {$500.00} in the Checking Account and {$50.00} in the Savings Account. They took the {$50.00} for the Savings then a error occurred where they took out 2 {$500.00} amounts from my account. They claimed the first {$500.00} amount was declined but my other financial institution said they were both approved. They then fixed it then within  24 hours of fixing it they did the EXACT SAME ERROR AGAIN. I have been fighting tooth and nail with them for 4 days getting this resolved and the entire time they have " forgotten '' about the first bank error and told me flat out to file a dispute. But I need this {$500.00} to pay bills and this has turned my life upside down and all I wanted to do was open a bank account to make my life easier. In reality the opposite happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/2020 I filed a formal complaint with CFPB in regards to KIA Motor Finance. They inaccurately reported that my account my past due and delinquent, causing my credit score to drop 81 points. As mentioned on XX/XX/2020, KIA was in violation of the Fair Credit Reporting Act. I spoke with them in excess of 20 different times and each agent continuously told me that my account was in good standing. 

I never received notification via email, phone or postal mail. 

On XX/XX/2020 Kia responded stating that they have sent updates to the 3 major credit reporting agencies. 

On XX/XX/2020 - XXXX  stated that KIA has reported to them that the account the was 30-59 days past due and they are unable to honor my dispute. 

I need to this corrected ASAP since I am in the middle of escrow on my first home purchase and I would like KIA to honor their word and do as they say they will do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX  & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and XXXX XXXX XXXX has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
Paid off an Installment Loan for a Boat with TCF on XX/XX/2020, at TCF Bank, XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and received a receipt for this payoff with the accounts ending 4 digits of the account. This loan was formally through Chemical Bank which was absorbed by TCF Bank of recent. TCF is a very difficult bank to get through to, long waits and it is difficult to get to the right person when attempting to make contact with them. Even the bank personnel complain of the same issues of waiting up to one ( 1 ) hour online. I am now receiving Statements saying I have monthly payments due aloing with late fees/assessments stating that I have missed a payment ( s ). Along with receiving statements from TCF, I am also receiving Late Fee Notices from their collections  department. They do not know where my payment went to? When attempting to call I get different answers from different people, but no real solution to the problem. I would like my payment in full made to the bank recognized by the Bank. My concern is this matter will unnecessarily be reported to a credit bureau and then I will have to waste my time to unravel that as well and I don't want I or my wifes excellent credit to be placed in jepordy. We should not be receiving continual Statements or notices from TCF Bank. What I am looking for TCF to do is to properly credit this loan account with the monies provided to  them on XX/XX/2020, provide me with a letter stating this loan has been paid in full as of XX/XX/2020, provide a written apology advising me of the bank 's error and ensuring me that nothing will mistakenly be passed on to or recorded with any or all credit bureaus or agencies causing any detrimental harm in any way against our excellent credit and providing me with a full release/payoff document that can be recorded with the title of this vessel so the same can be filed and revised on the title of the vessel with the State of MI, Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
today XX/XX/2020 I poke with Supervisor XXXX employee # XXXX about my account and late fee and why my payments are not going to the principals and he stated since I apply for the COVID -19 my interest is 87 days late and I owe them {$15000.00} last payment  made was XX/XX/2020. Covid-19 was on the XXXX and XXXX XXXX.and per day my interest is {$17.00} my due dates are the XXXX of each month and for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment of {$720.00} was applied to the interest, not to the principal. 
right now I still own money for the interest for XXXX and XXXX since I applied for the covid-19 that's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX  to New Rez. I had late charges and was offered a settlement of late charges in the amount of XXXX. I paid this fee. They were supposed to send me an email confirmation and cancel the rest of the fees. That never came. I called and New Rez, or acutally I was speaking to someone from a company called Shellpoint, said they had received the payment, but had no record of the letter they sent. I was to then send the letter, which I can not currently locate. I do not think the burden of proof should be with me. I don't understand how they can not find the correspondence as it came directly from New Rez. I want them to forgive the rest of the charges and send me a copy of the correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid {$500.00} to Citizens Bank for my vehicle loan. On XX/XX/XXXX, I requested a deferment due to COVID. The deferment was approved for XXXX, XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I requested a 2nd deferment due to the pandemic still in effect. The XX/XX/XXXX deferment was implemented to cover XXXX, XXXX and XXXX. I returned the signed paperwork on XX/XX/XXXX, via email. I received an alert from XXXX XXXX at the end of XX/XX/XXXX that I was 60 days late on my auto loan and when I called to investigate, CITIZENS BANK could not locate my XX/XX/XXXX signature. I re-forwarded proof of the XX/XX/XXXX signature and confirmation email from XXXX that my signature was submitted. They opened a case and I filed a dispute with Citizens Bank and XXXX. 

On XX/XX/XXXX, I received another deferment form to sign. I signed, but the form did not indicate that it was a retroactive signature for the XX/XX/XXXX signed form that they did not process. They sent me a confirmation letter, correcting the XX/XX/XXXX days late on my account to " 0 DAYS LATE '' and further reported to the credit bureaus that I was on time. There is still a late fee on my account as of today, XX/XX/XXXX. When I inquired about the late fee, CITIZENS BANK indicates that it is still a legitimate charge and all the corrections they applied to my account are a courtesy to me, although it is an error on their part for failing to process my paperwork in a timely manner. This is my fourth/fifth time disputing the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank held my mortgage. I sold the house in XXXX. I never received my escrow funds from M & T Bank. I received a letter from M & T saying they had my money. I asked them to send it. To date I have not received it. 
Sale of house funds I called requesting my funds on XX/XX/XXXX. They told me Check Number : XXXX Sent on XX/XX/XXXX. I did not receive it. 
Re : XXXX Acct XXXX Amount : {$2200.00} Called again on XX/XX/XXXX No check was sent to me for my escrow funds. 
Called again on XX/XX/XXXX No check was sent to me for my escrow funds. 

I was told there was a XX/XX/XXXX Check Date. To date, I have not received a check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Financial Services Solutions, Inc.
State: MO

Complaint narrative:
Beyond Finance, Inc. promised to negotiate the settlement of my credit card accounts that qualified for the credit reduction program, which I enrolled in XX/XX/2019. After 19 months in the program, only one debt had been settled and paid off. After {$5500.00} I still did not get the settlement on all 8 accounts. 

The company is using deceptive practices. I have contacted the company numerous times, only to get the runaround. I filed with Missouri Attorney General XXXXonsumer Protection Division, who sought to mitigate the process, but also got the run around until they recommend me suing them in small claims court or retain an attorney. 

The company ruined my credit, prior to joining the program I had not missed any payments on my credit card accounts. I was asked to miss 3 payments and my credit will be restored after 4 months. the missed payments were to be eligible for the program, only to find out that the company ( Beyond Finance ) only sought to settle the accounts after they had been charged off and interest and fees increase their percentage on recovery. AA total scram.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset Solutions , LLC has been reporting a debt that is not familiar to me.The debt is for a XXXX XXXX bill that they claim I owe. I have repeatedly attempted to dispute this company off my credit and they always return as " verified ''. I have called them and asked them to send me the " verification '' documents they are using to retain their company on my report however they state that they can not provide that information to me that they can not locate me in their system and that I have to call the company that they are collecting on behalf of for those docs. Because they ( Sequim ) are reporting to the credit bureaus and are the ones trashing my credit score and are the ones who are reporting that this " debt '' that is allegedly owed is " accurate '', I feel they are incorrectly and misrepresenting themselves to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Had to get into a yelling match with a Bank of America Customer service in the closed account section. I was transferred very politely on the initial call, then the second representative answered, apparently irritated by her phone ringing for 15 minutes, maybe more. Yes, I did let it ring that long and yes it did take 15 minutes for an actual person to answer the ringing. Then she and I proceeded to yell over each other, after she told me she could not fix my account. I asked her to send me to a person who could, she told me she would and I was promptly hung up on. I dont think its unreasonable to ask a very large bank to stop automatic payments after your account is paid in full. And I think its borderline criminal for them to continue to do so after Ive requested them to stop, knowing full well the account is closed and paid off.

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