vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 
I purchased a new XXXX XXXX XXXX in XX/XX/XXXX. I financed through Hyundai to take advantage of an additional {$1000.00} off the price. To satisfy the terms I needed to make 5 payments and then refinance. I made the 5th payment in XX/XX/XXXX and sought financing through XXXX XXXX XXXX XXXX. Hyundai received the 10-day payoff amount in full on the XXXX of XXXX. Sadly, Hyundai processed an additional payment from my checking account. Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 

Ive called Hyundai Finance customer service beginning XXXX XX/XX/XXXX to get this action corrected. Most recently today, XXXX XXXX, I spoke with XXXX who stated he added to XXXX XXXX complaint and advised me to call back in 5 - 7 business days and call later in the day. On XXXX XXXX, XXXX, Supervisor, assured me that the refund would be processed and that I would receive payment by XXXX XX/XX/XXXX. No payment has been received. XXXX was not the first to assure of this, many before him failed as well. Hyundai has not provided in writing satisfaction of loan payoff and the excess amount owed. These facts have been shared a dozen different times with different named persons answering at Hyundai Financial ( XXXX, XXXX, etc ). 
The loan number was : XXXX Payoff was from XXXX XXXX XXXX XXXX for the stated 10-day payoff of {$18000.00}. After 180 days it is time to provide this overpayment Refund,  {$380.00} to me at the address on 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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the Human Intelligence Collector course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the Unit Presidential Citation, the Global War on Terror, the XXXX XXXX XXXX, the Combat Life Saver Badge, and Qualification Badges for the XXXX Rifle and the Hand Grenade. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XX/XX/XXXX and XXXX from all three credit files ASAP.

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 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a credit card with bank of America for over 8 years I have alwaus submitted payments on time. During the pandemic I was unable to access my account due to lost phone when I logged in I did the full payment of my balance wich was {$50.00} I have over XXXX $ in the account I never received a letter or call that the account was past due now I see they reported late payment to my credit wich is affecting my ability to get a credit. I have always paid on time and the {$50.00} is paid in full so I don't understand why this was reported without notice. I really need this to be removed I've been a customer for 10 years never missed a payment and this is causing me issues. 

The balance is paid in full and I would like this to be removed from my 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 monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a copy of my credit reports from all three credit reporting agencies. I noticed that there was a debt on there for cable services for an apartment that I never lived at and I have filed a complaint for that as well as my signature was forged on a utility billing addendum and I have provided proof that it was not me that agreed to that debt. I have contacted all three credit reporting agencies and they had the collection agency send a copy of a cable bill but as I said, there is nothing with my signature on it and anyone with your personal information can sign up for cable services or any utility service for that matter and not show identification. I never lived at the address where services were rendered and I need that debt to be removed from 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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have sent number emails and I called Round Point Mortgage. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
all banks in XXXX, md are open 9-5 except bank of america. They choose to open 10-4 They have closed all surrounding branches in the area forcing lines and waits that average between an hour and two hours. They are understaffed, having only 1 full time and 1 part time teller.. This is unacceptable. @ days ago there was a mess up with an account and i had to wait 2.5 hours, taking off from work. I have a safe deposit box at another branch and the key doesnt work, They have to drill it. I was told they will call me in about a month to set up an appointment. I need access sooner. They are doing whatever they want. When you call the branch they dont answer their phones you just get a recording. They need to be sanctioned or shut down this is outrageous

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 2020-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2020 I applied for a mortgage through Navy Federal Credit Union. I submitted all requested documents and 30 days later I have yet to receive a notice of denial, counter, or incomplete application. Ive contacted the company via email several times with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

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 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My bank allowed fraudulent checks to be deposited and some withdrawal. The checks did not have the proper address nor my signature. They did not catch these checks in time and now have closed my bank account due to negative balance from them withdrawing the checks back. I have called my bank and try to fix this and they claim I owe them money. They State I have used XXXX XXXX to make transactions but I know I do not use this app. They're claiming I gave out my mobile banking information to someone. I just want them to refund my money that I had my account because now I'm going on two weeks without money trying to take care of my two year old and my bills are about to be shut off because of their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I sent a certified letter to Caine & Weiner requesting verification that I owed this debt. I never received a response and the account was removed from my credit reports. 
the account has been re added without proper notice and without ever properly providing verification as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
Beginning with the XXXX mortgage payment, my servicer determined a large shortage in projected escrow and began collecting monthly catchup payments. In late XXXX, I reviewed the shortage calculation and noted that they calculate the shortage due to a property tax disbursement scheduled for XX/XX/2020. However, my county has tax due date of XX/XX/2020. Thus, my escrow shortage was determined to be one normal monthly payment larger than actually required. I contacted my servicer, who indicated that their policy is to pay taxes early. I don't think it makes sense that they can institute a policy that accelerates payment needs to them arbitrarily. My understanding is that under Regulations, the servicer is allowed to keep as a reserve up to two months of escrow payments ; however, by paying taxes early the servicer is able to manipulate and overstate the shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I was shopping for a first mortgage and I came across Amerisave on  XXXX. I am currently in the process of a refinance so I thought I would compare pricing. I filled out the information except for SSN etc because I did not want my credit pulled while in the middle of a mortgage process. I told XXXX XXXX knew my debt ratio, my value, my 3 credit scores and the LTV I wanted for cash out. She refused to tell me what the rate could be, but insisted on finishing the application, pulling my credit can collecting a XXXX dollar NON REFUNDABLE "  good faith '' fee she called it. She said it was to insure I do not drop off the face of the earth after we start the application. After asking if this was necessary, she insisted it was to get a rate quote. I knew this was a violation of DODD Frank and it reminded me of the days of Ameriquest and XXXX. After resisting her aggressive demeanor to collect the XXXX dollars and pull my credit, I just hung up. 

I proceeded to give her another chance and emailed her again on XX/XX/2020 to resolve this issue and just get a quote without collecting a fee or pulling my credit. I even asked her to check her rate sheets with the information provided. 
She stated she would not do that and that she had other people to help instead. 

Why would I have to pay a non refundable fee to see what my rate could be? Never asked her to lock in a rate just a basic quote with the information provided. I had the the LTV, DTI, credit scores and that it was a primary cash out refinance. She had all the information she needed to check the rate sheets but refused unless I " paid to play ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend XXXX XXXX XXXX at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XXXX XXXX XXXX and XXXX from all three credit files ASAP.

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 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a new truck, a XXXX  XXXX XXXX. The vehicle is finance through BBVA. The first payment was made by check in XX/XX/2020. I then set it up to pay through my bank. Unfortunately, I entered the wrong account number ( XXXX ) when I set up the payment thru the bank. The bank ( XXXX XXXX XXXX XXXX XXXX ) sent the payment for XX/XX/2020 to the wrong account number. The correct account number is XXXX. I was notified by BBVA that my account was past due and that is when I discovered the wrong account number. In a conference call with XXXX and BBVA, it was confirmed that the XXXX payment did go to BBVA and was never returned to XXXX. We have been attempting to get the {$510.00} applied to my account ever since. Numerous times I have been told by BBVA that they will find the payment and apply it to my account. Also, the late fees that have been applied to my account will be taken off. Nothing has been done as of today and my frustration level is high. I don't understand why BBVA can not locate the payment that went to account XXXX. They received it and it has to be on their files somewhere. Can you please help me with this ongoing nightmare??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I opened a new checking and savings account at First Citizens on XX/XX/XXXX, with a promotion to earn {$300.00} bonus after meeting certain terms. I met all of those terms on XX/XX/XXXX, and still as of XX/XX/XXXX have not received the advertised {$300.00} bonus. Attempts to discuss this with representatives at First Citizens on XX/XX/XXXX by secure messages on their website, and on XX/XX/XXXX by phone, were unsuccessful. Representatives indicated they had no knowledge of this promotion or that this promotion was not attached to my account. When I opened the accounts, I used the direct link to apply for the bonus ( see attached screenshot - " OPEN NOW '' ). There was no field or option to enter any promotional code on the application form, so the link I clicked ( attached screenshot ) should have been adequate to apply properly for this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
XXXX continue to report a debt that is not mine though Convergence outsourcing ... this is ruining my credit ... I have no knowledge of this debt. Prior to this they reporting this through XXXX and I send an affidavit of identity fraud attached, the debt was then removed but now shows up once again ...

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 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery acquired a dead XX/XX/XXXX from XXXX XXXX they have the debt listed twice on my credit report the same debt listed twice which is illegal they also have me having done business with XXXX XXXX and I never have I submitted a complaint XX/XX/XXXX through your system and they sent me a frivolous response letter FCRA act section 611, basically gives me the right to request an explanation of the verification method used by the CRA. I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report last month I requested investigation because I felt the items were not legally being reported correctly a couple days ago I received a letter stating that your investigation was complete please explain to me how you conduct your investigation for information that does not belong to me they use my name to gather credit cards but it is not my account XXXX XXXX XXXX Portfolio Recovery XXXX XXXX They have responded to my dispute with frivolous letters saying that they have completed the investigation with no response and no removals from my credit report they also have the same debt listed twice for portfolio recovery and XXXX XXXX XXXX XXXX is also listed as XXXX XXXX XXXX you can not list the same debt twice

Company response to consumer: Closed with explanation