vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a livingroom set and tv stand for {$1600.00}. I applied for credit at that time for an agreement of {$70.00} weekly. This was a loan through Acima. Early pay off of the loan meant I would avoid any interest in extra interest. I entered this agreement knowing that we would have the money in time to pay this off as soon as we had money from our closing. We closed on our home in XXXX RI the week of XXXX XXXX. I then received a wire for the proceeds within a few days of closing. The date I called on XX/XX/XXXX to request pay off amount through Acima Credit. I  authorized payment in full from my XXXX XXXX account {$1000.00} which is what I was quoted as being my balance. This money withdrew from my account on XX/XX/XXXX. This was the last I had dealt with this obligation and understood my loan to be satisfied. 

On or about XX/XX/XXXX ( YES XXXX ) about 3 months later, I received a call from the collection department at Acima Credit. They stated my account was in arrears over {$1000.00}! I question the person on the other end thinking someone had stolen my identity and that I was dealing with an internet scam of some sort. I was very very confused and hurried up and changed passwords. This person stated that I had missed one of the Payments of {$70.00} and that the loan after I paid the {$1000.00} didn't satisfy my loan obligation and that due to their cycle and accrued interest I know owed this astronomical amount of money. I had the weekly payments being paid from another account out of state and when I had called up for the pay off I assumed that the amount she was giving me was including all payments. But from the discussions, I have been explained to that I am being held responsible for a line of credit in which I didn't take hold of. IN my mind I have satisfied the loan. If the representative didn't give me the correct amount of the pay off how is that my responsibility? I will be more than glad to pay the {$70.00} that was not disclosed. however, ACIMA wants over {$1200.00} or my furniture to be returned. I am concerned that this will affect my credit and I am nervous wreck they are going to seek legal action. Please help. I have requested help from the supervisor " XXXX '' that was not agreeable and did not have the capacity to pull phone calls and or take corrective action to reverse the charges I had incurred and let me just pay what I originally owed. The way Acima wants me to pay is that I pay almost double for the furniture I originally bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.

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 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I started the process of trying to refinance my home on XX/XX/XXXX with amerisave mortgage company. From the very first time I spoke with them I told them I have a manufactured home on a brick foundation on my own land. I have been talking to XXXX XXXX the entire time and he told me when he looks up my home on XXXX and other such sites it comes up as a single family home and therefore they should have no problem financing my home. I was told all I would have to pay upfront would be {$500.00} and the rest of the closing cost could be rolled into the loan. Within 3 days from starting this process I authorized them to take {$500.00} from my checking account. After multiple conversations and being told over and over for weeks that an appraiser would contact me within 48hrs to set up a date to come look at my home, finally on XX/XX/XXXX an appraiser came and looked at my house. I was told within 2 business days the appraisal would be done. On Monday XX/XX/XXXX I received an email from XXXX that he did not think they would be able to refinance my home because the appraiser said that my home was a manufactured home on a permanent foundation. As I said from the beginning I told them that. I have not heard anything else from XXXX or anyone else from Amerisave. Because of this I feel like they used me just to get my {$500.00} and they knew they would not be able to finance my home. I have tried to call, email, and text them multiple times since reveling that email and I have gotten no response. Also when I log onto my account at Amerisave it  does not even say they have received the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one willfully refused to remove the late fee on my payment. My payment was postmarked XX/XX/2020 and it wasn't allegedly processed til XX/XX/2020. I called them the night of the due date which was XX/XX/XXXX around XXXX, because they had charged my account as late. I explained that this happened in XX/XX/XXXX or XX/XX/XXXX and it was resolved, and i informed them that they were in violation of title 15 for unfair practices, that i can't control what happens when mail leaves my possession, to note the account and i was told that they can not and their system doesn't work like that. After that, it was just a tennis match. I would refer to title 15and he would agree but then attempt to rebut what i told him. I haven't spoken with them since because I am tired of the slavery being inflicted upon me. I will never pay the card completely if they are going to continue with that behavior. I checked some of my old statements and i saw the same activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-07 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have previously written many notices to the company as well as submitted my police report that my identity was stolen. I have never spoken to the disputes department nor received any information as to why the charges on the account were not disputed. I have disputed the charges on the account and the Law states  that they should be investigated. Nordstroms has never contacted me regarding the fraudulent charges made on this account. I have sent many letters as well as phone calls. They continue to report to the credit bureaus saying the account is charged off but how can you charge off an account where I did not make any of these charges. I want the charges reviewed and investigated as I have stated in the past. I want to speak to someone at corporate regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NH

Complaint narrative:
I have an Enterprise Bank Bonus Rewards Visa Card through Elan Financial Svcs where I make a {$39.00} minimum payment. I recently have gone through financial hardship and have been late on making a few payments when moving back home to get a job. It didn't help that they raise my APR to 25 % and the dates are inaccurately imposed on my credit reports. It states that it was opened XX/XX/2014 ( 5 yrs, 11 mos ago ) This has completely ruined my chances of getting financed for a home for me and my wife to start a family.

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 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter - Young Inc. was informed several months ago that their client was reporting this little XXXX {$53.00} erroneously, Im a service connected XXXX XXXX XXXX Veteran, and Im a Social Security XXXX Beneficiary, Ive Awesome health Coverage, I have XXXX XXXX & the XXXX XXXX XXXX Coverage. Carter-Young Inc client XXXX XXXX never XXXX filed for Secondary Insurer, the XXXX  XXXX XXXX plan was never filed by their Ignorant client, XXXX  XXXX! Instruct Carter-Young Inc, remove this XXXX, and remove it now, Im covered @ 100 %, No XXXX Co-pays, No Co-Insurance & No deductibles period!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: VA

Complaint narrative:
On XXXX XXXX I mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.

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 2020-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have called regional finance several times and asked for covid 19 assistance,, they have informed me they could help, that was back in XXXX or XXXX but the lady told me since my payment was not due to wait tile the amount was due and then ask for a deferrement, I did, After I asked for the deferral I was furloughed. I have been out of work and I have told regional finance that I have been furloughed. The company keeps calling me and harrassing me asking for payments knowing that I requested assistance becuase of covid 19. I have called their corporate office and she informed me that they could renew the account but could not deferr the payment since they have no covid 19 assistance program and there can only be one deferral at a time. I humbly request that someone help me. I have talked to the manager and the ladies at the regional finance location and all they seem to care about is when I am going to make my payment. I am so streessed out right now it does not help with someone like me with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
In XXXX I became the Executor of the estate of my father. Shortly after his death, the home he owned that I was moving into suffered two catastrophic water damage claims. One took place in XX/XX/XXXX with almost every pipe bursting and the second was a tree falling into the roof in XX/XX/XXXX. Insurance was in place and paid for and claims were made through the insurance company. 

The mortgage was owned by XXXX XXXX  and sold to Bayview Loan Servicing in XX/XX/XXXX. The mortgage was current at the time of XXXX loss and there was a mortgage protection plan in place that pays off the mortgage in the event of the death of a borrower. I have a separate complaint to CFPB regarding this issue. 

When the insurance company started issuing repair checks, Bayview was a co-signer. They wanted to do a monitered payment program. This is a XXXX XXXX loan and I complied. I was also in a payment plan with Bayview but intentional delay tactics by Bayview and unfair lending practices has waylaid my ability to continue. A lawsuit is pending on this course of action. 


I contacted Bayview to ask for the monitored payment arrangements to stop on the insurance checks. They were requesting extremely difficult measures in place in order to complete the repairs. I contacted them weekly to explain that contractors in my area refuse to work for free then hope I pay them 3 months later. Bayview Loan Servicing refused to try to find contractors despite my numerous attempts. I had 13 contractors come to the house to give estimates but only one took part of the repair work. Bayview took 5 months to pay that company. No one else will work on the house. 

I have communicated in phone calls, emails and certified letters that I am current according to their payment plan and that they are disobeying XXXX XXXX guidelines in holding onto the repair funds. They are also causing increasing damage to my home because of their intentional delay and impossible guidelines to hire free workers. 

Bayview states that while I am current, the loan was not at the time of loss. Both signers on the loan ( my parents ) died in XX/XX/XXXX and XX/XX/XXXX. The mortgage again, was current in XX/XX/XXXX at the time of the loss and I was entering into their payment agreement in XX/XX/XXXX. 

I'll remind you again that Bayview Loan Servicing should have never received the loan from XXXX as it was fully protected by a mortgage insurance clause. 

This is all grossly unfair. They have caused tens of thousands of dollars in mold damage and repair work than existed due to their intentional acts in disobeying XXXX XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
hi. i cancel the flight and XXXX XXXX email me that i did qualified for a waiver ( see attached email as proof ) capital one promise to refund ( see attached email as proof ) but they re bill. on XX/XX/2020 i spent 2 hours on hold with capital one trying to resolve the issue. cap one email me a link to uploaded all my proof which i did. the same day cap one mailed me letter denying my claim. cap one never process any of my proof. i called again on XX/XX/2020. i spent 2 hours one the phone. cap one email a link i uploaded the info and the same date cap one mailed me letters denying my client. cap one has fraudulent practices. they don't review any of the proof and instantly created a denying letter. cap one alleged visa denied the claims.however i had resolve peacefully and easy the travel disputes with XXXX  and XXXX which also used visa. please research i'm tired of writing letters, sending emails and wasting so much time on the phone. cap one it's been abuse it toward me.PLEASE PROCESS MY 2 REFUNDS. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I contested a claim by the collection agency Hunter warfield inc. in violation FCRA that requires information accuracy in reporting and they have not disclose the process taken to meet that requirement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: Comerica
State: NY

Complaint narrative:
The IRS send me a stimulus check on XX/XX/2020 When i asked the credit card company for my last 4 numbers on my account DirectExpress is my card holder and they are very disrespectful because they have Social Security account. I have the letter from the President saying when my check was sent out. I want to know why they are so disrespectful to people on Social Security. I'm going to the attorney general next if nothing done in this matter of paramount importance. Thank you in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I mailed in several dispute letters to Transunion about the incorrect address. This address is not mine. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tn XXXX. The correct and only address is XXXX XXXX XXXX, XXXX, Tn 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 2020-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit System is reporting an account on my credit report for XXXX XXXX XXXX. I lived in this community over 7 years ago. When I moved out all my balances were paid in full. I have contacted National Credit System multiple times mail and by phone and have let to recieved a repond as to what this balance is for. This account is seriously hinding my credit report and I need this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I currently have a lease with Chrysler Capital. I decided to pay off the loan early and received payoff amount and sent the check in. It cleared the bank on XX/XX/2020. My automated payment also came out on that date for {$360.00}. I then received notice that I had a {$0.00} payment amount. They continued to take my auto payment out for XXXX and XXXX each for {$360.00}. They now have 3 payment owed to me. I placed a stop payment on my bank account for future payments. I contacted them and they agreed that they owed me the 3 payments totaling {$1100.00}. I then received a debit card refund for one payment with a balance of {$360.00}. I called them a second time and they agreed that they still owed me 2 payments and would put in for the refund. I received nothing. I then contacted them weeks later and the employee said he did not see overpayment and I would need to send bank statements and payment information. I copied all statements involved and faxed them to Chrysler. I have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
ISSUE # 1 : I submitted a billing dispute to Chase twice to remove {$25.00} of a charge from XXXX XXXX XXXX the past couple of months. I have still not received so much as an acknowledgement. 

I filed a chargeback request disputing {$25.00} of the following transaction. 

XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MI {$570.00} I paid {$25.00} for unlimited refills on XXXX XXXX cleaning solutions kit ( general cleaner, window cleaner, etc. ). XXXX XXXX wont provide any refills, so I did not get what I paid for. 

I even e-mailed Chase 's executive office on XX/XX/XXXX but never heard back. 

ISSUE # 2 : I e-mailed Chase customer service asking them to become more sustainable. 

Chase remains the world 's biggest banker of fossil fuels, and customers have a set of clear demands for you : -Close the loopholes in your restrictions on financing coal companies and fossil fuel infrastructure in the XXXX ; -Stop financing tar sands extraction and pipelines ; -Immediately end your funding for companies that are expanding fossil fuel extraction and transport ; -Put in place a plan to phase out all support for fossil fuels on a timetable aligned with the XXXX  Agreement. 
-Many credit card companies are issuing non-plastic, biodegradable credit cards. I hope Chase makes the switch too. 

Chase 's response : Hello XXXX, Thank you for contacting Chase. For privacy reasons, we generally don't discuss our business interactions with individuals or businesses. We appreciate your business and welcome your ongoing feedback and will continue to work hard to meet your needs in the future. Your satisfaction is important to us. We appreciate your business and thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX My response back : Chase 's website, https : //www.jpmorganchase.com/corporate/Corporate-Responsibility/es-comprehensive-strategy.htm, says Chase is all about transparency and reporting, but clearly that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. BMW FINANCIAL SERVICES have knowingly reported inaccurate amount due to the credit bureaus. I also had Gap Insurance coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for Gap Insurance. BMW FINANCIAL SERVICES also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if BMW FINANCIAL SERVICES have been sending my mail to this address. ALSO BMW IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I called Transunion on XX/XX/XXXX, after I seen my XXXX XXXX reporting balance was incorrect. The Balance for the month of XXXX should be {$3.00} not {$300.00} and its still havent been corrected.

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