vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
On XXXX XXXX I was in an accident my car was totaled in a flood. I called my insurance XXXX XXXX to report the accident and they informed me my insurance had been canceled after many phone calls XXXX realized this was an error on their part. I continued to make my payments from XX/XX/XXXX to XX/XX/XXXX I did not want to ruin my credit even though the car was no longer in my possession. XXXX  paid Hyundai on XX/XX/XXXX {$13000.00} the gap insurance paid off the remaining balance on XXXX, XXXX my account was closed on XXXX I then received a collection alert from XXXX XXXX that I owed 2,330 I sent them a check for {$460.00}. I have spent hours with Hyundai and XXXX  on the phone. I went to buy a car today XX/XX/XXXX I was told my credit was XXXX it dropped from XXXX I have not had a car since XXXX XXXX I cant afford a lawyer to fight XXXX  and or Hyundai motor finance. 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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
To whom it may concern, I was sent a response to a complaint that I filed with thXXXX XXXX  and the CFPB regarding fraudulent activity that took place with my banking account on XX/XX/XXXX. In this response it was stated, We have no chargeback rights for the remaining incidents ( {$40.00}, {$98.00} and {$1200.00} XXXX because XXXX XXXX followed the specific instructions and performed the service successfully. Yes, the {$40.00} I was initially disputing was returned to me, but service was not performed successfully by XXXX XXXX because the three amounts for {$98.00}, {$240.00}, and {$1200.00} were never successfully sent to anyone or anything and were not supposed to be. The person who scammed my account stole the funds right from my bank account by using my debit card. The person phished my account when they had me delink my phone number from my XXXX XXXX account and made it appear that the funds were sent to my XXXX and they never were. They knew at that point I wouldnt be able to access that account again and used that as their opportunity to steal the funds from my account. 

SunTrust, now Truist, apparently has reps working for their institution that are in on what these scammers are doing. Not only was I provided with a fraudulent number once, but when I called the bank to report what had taken place another rep gave me another fraudulent number. SunTrust has yet to provide me with an explanation on how the reps obtained those fraudulent numbers. Saying sorry does not cut it. SunTrust needs to take responsibility for what happened and return the {$1500.00} that was stolen from me. 

I realize that its not like the bank doesnt understand what I am saying, they just dont care and do not want to own up to the wrong that was committed by the reps who represent them. With that being said, I respectfully decline the bogus resolution that was provided to me. I was told by at least two bank managers/reps that the bank would refund me my money and I want my money back. I've provided more than enough information showing that money was never sent anywhere and that the person stole all of my money from my account by using my debit card. 

I would also like the phone calls that took place with SunTrust on XX/XX/XXXX provided to me as well.

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 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While incarcerated from XX/XX/XXXX until XX/XX/XXXX, multiple fraudulent accounts were opened in my name. All of the accounts were opened while I was in prison and are a result of identity theft. Bank of America allowed 3 credit card accounts to be opened in my name beginning in XXXX of XXXX. The accounts were closed at my requested in XXXX of XXXX. A XXXX 's XXXX XXXX XXXX  account was opened during this same period with a balance of {$5000.00} in addition to a XXXX department store charge card with a total of {$2000.00} in fraudulent charges. I contacted XXXX XXXX XXXX XXXX  to dispute these accounts. As of today only XXXX  has removed the fraudulent accounts. XXXX  reported the fraudulent activity to XXXX XXXX XXXX, however neither XXXX or XXXX has removed the fraudulent accounts from my credit file. Bank of Americas credit cards have a total of {$35000.00} in fraudulent debt opened in my name. Bank of America XXXX XXXX XXXX has a total of {$17000.00}. Bank of America XXXX XXXX XXXX has a total of {$9700.00} in fraudulent charges. Bank of America XXXX XXXXXXXX credit card has a total of {$5800.00} in fraudulent charges all as a result of identity theft. All of these accounts were opened as a result of identity theft while I was incarcerated. I do not know who opened these accounts and have exhausted all my options and resources to resolve this matter.

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm absolutely livid that I received a unsolicited debit card to activate sent by Chime Bank to my home address!!!!! This is absolute XXXX and Chime Bank should be penalized by the government for this kind of business model. I have no relationship with these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
JP RECOVERY INC # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. 

Are you ( JP RECOVERY INC ) Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note I do not recall as ever having done any business with your company! Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. This is a violation of my pricacy

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: CA

Complaint narrative:
I recently challenged the validity of these accounts thats being reported on my most recent credit report. Upon challenging this, XXXX XXXX XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I deposited two payroll checks to my checking account through the ATM on XX/XX/XXXX. The funds were available online on XX/XX/2021. Two hours later the funds were removed from my checking account. They informed me that they believed that the checks would not be paid. When I questioned them about why they believe the payroll checks would not be paid ; they were unable to give me a logical explanation. Keeping in mind that a payroll check from the same company, with the same account, and from the same bank ; was paid XXXX weeks prior. I believe that there some type of malicious behavior on the part of one of Navy Federals employee XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I've been disputing a collection account with Portfolio Recovery Associates for over a year. After an unsuccesful attempt to resolve this collection account in 2019, I began sending written communication to them XXXX 2020 & every 30days after that until XX/XX/XXXX 2020. To date, I still have not gotten a response or resolution. Before filing a dispute, I asked for verification of this debt from Portfolio Recovery Assoc. After sending multiple requests with no response, I then sent several requests XXXX to them & the credit reporting agencies ) asking for them to remove this collection account from my credit reports. Portfolio Recovery Associates has ignored my requests for verification & deletion, causing damage to my credit profile for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I purchased items for our business when the pandemic started. The items were not delivered in the time frame they said. I canceled order. Months later the items arrived. 

- The items that were delivered did NOT match the description of items that we ordered. - The photos on the product page were completely different than the products we received We tried to contact company, phone number not working, I emailed them and they answered my email with a response that had nothing to do with my problem. 

We tried contacting them several more times via email and telephone. Each time were were denied a response I then called American Express. 

American Express assured me that I was in the right and they would take care of it. 

I wanted to send back the faulty items but they said not to worry because the company wasn't responding to american express, and again, I was in the right. 

We then received a letter from American Express stating that we were being re-billed for the items because they found the merchant to be in the right. 

How? we asked American Express again. The representative stated it was a mistake and asked us to send more information including photos of the product. We did as American Express asked. 

American Express placed the charge on hold and said we were not responsible for the charge until the matter is resolved. We were assured that our claim was absolutely legitimate and to rest assured that American Express would take care of the matter About two weeks later we received another letter form American Express stating, ponce again, that the charge has been re-billed to our account. 

After almost a year and about a dozen calls to American Express we are no closer to resolving the issue. 

American Express continues to disregard all of our information and simply denies our claim. 

We are continually told by American Express representatives " I don't understand what happened ... let 's try this again ... you are absolutely in the right ... I'm not sure why this is happening ... I'll make sure this gets to the right person ... I'll make sure this gets resolved ... '' ( I'd like to hear the playback of the conversation that they have recorded " for quality assurance '' ) However, nothing gets resolved. 

I don't know what the terms and conditions are of the agreement between American Express and their merchants, but, as a cardholder who is protected against such fraudulent practices, I insist my consumer rights be upheld and respected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX, Assistant Vice President of Executive Services at Suntrust now Truist did not follow the Judges court order. In her letter in responding to prior complaint regarding safe deposit box contents, info is absolutely not truthful or accurate. The contents were not made available for XXXX XXXX to view.

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submited a claim with my bank for some transactions made with my debit card that was not authorize by me. 
XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX All of this transactions were made by my debit card of my account at Bank of America. 
As soon I noticed this fraudulent transactions I locked the card trough the app on XX/XX/2021 and after that I submitted the claim XXXX being denied after few days later. I submitted an appeal explaining the same situation here and also that my XXXX were I have the mobile app was at the technician during that period that may be the cause of all of this fraudulent transactions.

The appeal was also denied so thats why im filling this claim form. 
Also my card was saved at XXXX, XXXX, and other internet service were can be taken.

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do not have an EDD card for CA benefits. received this text on my cell : Dear Bank of America XXXX XXXX XXXX XXXX, Due to security upgrade on the Bank of America XXXX XXXX XXXX system, We urge you to verify your account to help prevent fraud. 
Click or copy and paste the secure upgrade weblink below to your browser to continue http : XXXX XXXX, Bank of America XXXX 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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: LA

Complaint narrative:
XX/XX/2021 My identity was stolen when my wallet was stolen with my social security card in it. However this letter accuses me of owing XXXX money when it is impossible for me to owe money for pay-pal, when I have not attempted any credit at all with any company and XXXX said they would not send email to anyone through 3rd party. I told them I was reporting them and think I attempted to start a report but did not finish. I was sent another email this time saying they are official. I told them my identity was stolen and they continued to harass me and possible have put on my credit report and I am trying to get a house. 
Please help. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I began contacting Capital One Auto Finance in XX/XX/XXXX XXXX written letter sent certified mail ) advising them that they were incorrectly reporting information on my credit report ( incorrectly reporting it as a charge off, incorrectly reporting an amount due, and I requested that the repossession be removed from my credit report based on the Servicemembers Credit Relief Act protections ). To date, they are STILL reporting my account as a charge off, still reporting an amount owed when there should be done, and it is nearly impossible to speak with someone regarding the issues I'm having with this loan because once your account is closed they only allow you to speak with their collection agency. Unfortunately, the collection agency doesn't have the information/tools to deal with the problem I'm having but when I contact COAF 's customer service they can't help because I no longer have an account. 

After experiencing financial hardship, Capital One Auto Finance repossessed my vehicle in XX/XX/XXXX & sold it at auction. Once the proceeds from the sale of the vehicle were applied to my account, COAF began reporting a balance due of {$2200.00} in XX/XX/XXXX. I was advised of certain rights & protections available to military servicemembers & their dependents/spouses so in XX/XX/XXXX, I contacted Capital One to request protection under the XXXX. To their credit, Capital One did retroactively apply XXXX protections & made adjustments/credits to my loan account to reimburse me for fees, penalties & interest that I was charged during the covered period. They issued a total of {$2200.00} in credits to my loan account ( see attached photo ). This should have closed my account with a paid in full status but instead, COAF has continued reporting this as a charge off account with an outstanding balance of {$1200.00}. I also requested that the repossession be removed from my account since it was done without court order which is a requirement under the XXXX. 

Capital One Auto Finance has not responded to any of my communications, both written & by phone to resolve this issue. I have no idea what else I can do as I have already given them all of the details & they still refuse to correct this. This problem has been ongoing for over 2years & causing a lot of damage to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I paid off my mortgage on XX/XX/2021 and Cornerstone Home Lending was supposed to have refunded my escrow money. To date I have not received it. When I called them they told me that they issued 2 separate checks, one on XX/XX/2021 in the amount of {$6800.00} and a second check on XX/XX/2021 in the amount of {$5200.00}. To date I have not received either check. I asked for a postal tracking number and Cornerstone said that they don't mail that way. Cornerstone today when I called them XXXX XX/XX/2021 XXXX offered to stop payment on the {$6800.00} check and reissue it but they said that it won't go out until XX/XX/2021. I said DO NOT STOP payment, I will wait until this Monday, XX/XX/2021 to see if I receive it. If not I will call back to have it stopped. 
I do not believe that Cornerstone mailed any check to me. I think that this is a scam to ride the interest float on my money. Why can't they wire these funds to me? XXXX forbid if I was late with my mortgage payment they would've whacked me with interest and penalties. Hopefully you can light a fire under their corporate XXXX and get me my money asap. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY
State: TX

Complaint narrative:
Dear Sir/ Madam, The following are the pertinent details : 1. Our complaint is on Interfirst Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX # : XXXX ) 2. Our original Mortgage amount was for {$170000.00} at a 10 year Fixed rate of 2.375 % closed on XX/XX/2021 and the monthly payment was {$1.00}, XXXX XXXX. During the past 4+ months, in addition to the monthly payments paid on Bank Autopay on the 1st of every month, we have also paid nearly {$40000.00} toward the XXXX XXXX XXXX XXXX. 

4. They have not given us any interest credit/ consideration on these additional payments in their monthly statements and hence not given more towards Principal from our routine fixed monthly payments at fixed interest rate ( i.e. split with higher amount toward Principal and lower amount toward Interest ). They are using our additional payments completely interest free for their own benefit which is UNFAIR to Consumers! 

5. Our numerous discussions with them didn't resolve this issue and follow fair Consumer Protection Practice as our previous mortgage companies ( more recently XXXX XXXX XXXX XXXX ) have correctly and fairly done.

Company response to consumer: Closed with explanation