vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I've reached out to KIA Motor Finance several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. KIA never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help 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 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Open an account on the Chase Bank at XXXX RI XXXX XXXX branch. Deposit XXXX, receive my ATM card 7 days after opening but when I tried to use it on ATM stations it gives me a Restricted funds message. I received a SS number verification form that was submitted through a Bank official on XXXX XXXX of XXXX however the funds have not been unrestricted. I don't have access to buy, retire money from my account in an ATM machine or make withdrawals in the Bank branch. I have not been able to solve this situation either by phone or in person at the bank. It has been 12 days now since I made my deposit and funds are still not available

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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: CO

Complaint narrative:
We use a Capitol One card to purchase a trip to XXXX with XXXX. Due to COVID-19 the trip was unable to happen. The flights were canceled by the airlines that were booked. Just Fly says the money was refunded, but it never was. We reached out to Capitol One and disputed the charges. We were issued a refund. A couple of weeks later Capitol One then allowed XXXX to reissue the charges, which also prove that XXXX never issued the refunds that they said they issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I submitted my first complaint XXXX on XX/XX/2021 because I was wrongfully denied for the Apple Card by Goldman Sachs due to a reason given that I had recently experienced a charge off. I spoken with XXXX and they verified that there was no recently experienced charge off. I submitted a second complaint XXXX on XX/XX/2021 about a similar problem with applying because I was still being given the same reason of denial which the last date of denial was XX/XX/2021. I was given a response to my complaint on XX/XX/2021 that the bank only allows a certain amount of applications within 30 days. I was told by the Apple Card Specialist Manager that I had to wait 30 days from the date of my last application to reapply via a phone conversation. Now it is XX/XX/2021 ( after 30 days ) and I am still not able to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THESE ACCCOUNT ARE FRAUDELNT AND ARE REPORTING IN MY CREDIT REPORT I HAVE REPORTED THIS PROBLEM TO XXXX  XXXX XXXX IN SEVERAL OCCASION XXXX  XXXX XXXX # XXXX ... 
XXXX  XXXX XXXX # XXXX 
LVNV FUNDING LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a business checking account, and someone withdrew twice, in the amount {$4900.00} and {$4900.00}, in the form of ACH, as a result I contact my bank, that said I only have 24 hours to report these transactions as fraud from the date of publishing, meaning I have less than 24 hours to handle everything, which I did, but then they are requesting 10 days to get back to me, and that is a lot of money from a vendor I never use. The transactions are by XXXX, that I have already reached out and wanted to give a warning, but they said I can do nothing with them, and that I would need the member who withdraw my money on the account to talk to them, and I was unable to report that as fraud with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 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: PA

Complaint narrative:
On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: PA

Complaint narrative:
On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter that said I would receive a {$75.00} credit if I spent {$500.00}. Now they are saying its only a {$50.00} credit and won't honor the {$75.00} without me having to give them the letter they sent me. They also said they won't post the credit to my account for 60 days so they can charge extra interest.

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 2021-06-19 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX 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 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc.
State: FL

Complaint narrative:
Hello, On XX/XX/2021 Ive tried using my N26 debit card and it got declined. 
After calling customer service i was advised that my account is in hold due to security department noticing some suspicious activity. I was advised that there is no promised date when Ill have access to my funds again. 
Then, later in the same day, XX/XX/2021 Ive received email stating that my account will be closed because Ive violated terms and conditions. Which one, wasnt specified and when Ive contacted bank again, regular customer service agent didnt have that information. 
I was also advised to provide external bank account information so funds can be transferred there which Ive provided right away. 
Week later i am still being given run around and bank customer service agents tell me that theyve sent a note to security department to expedite the process of releasing my funds. 
Id like to complain on this bank practices of not communicating to their customers properly and not stating which part of the agreement they believe Ive violated. Not i have almost {$3200.00} dollars they are holding and Im unable to pay my rent. Especially in this hard time! 
They also have constant delays responding to messages and not providing any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: TX

Complaint narrative:
I've reached out to XXXX XXXX XXXX several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. XXXX never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help 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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in prison for 2 years during this time and they refuse to remove it

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 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: FL

Complaint narrative:
company has gathered my valuable personal data and provided pre-qualification but will not respond to e-mails or calls to honor request for extension of credit or provide pre-approval. sent several e-mails requesting aid and have not received any accommodation from lender nor any communication. This is causing delays and missed opportunities as I have a property I would like to have qualified or pre-approved to provide realtor. presently MLS # : XXXX and MLS # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The problem is with PayPal cashback credit card. I was sent this credit card for both me and my daughter on XXXX. It was a replacement for lost cards. Representative " XXXX XXXX said that I would receive both new cards in 7-10 business days. He said it would be the same acct. numbers but different expiration dates. A new pin number will be sent under separate cover following this action. Both lost card numbers ended in XXXX. I received the replacement cards ending in XXXX sometime in XX/XX/2021. I never received the pin number. On XXXX XXXX I activated and registered this card with a Paypal representative who said that I had to have a new pin number first. She gave me a number to call it was a wrong number. To cut to the chase, I had spoken to several people who sent me on a wild goose chase. It all came to a close when I got to speak to a supervisor who said she will send a letter and a code to whoever and I should continue to wait for any response from Paypal concerning a new pin number. But she also said I could still use the cards as credit while waiting. I tried to make a purchase that afternoon, and was told by the merchant at the cash register my account was closed. Please assist.

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 2021-06-19 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: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
BMW FINANCIAL Reported a late payment when I made 2 payments at once.They refuse to correct the situation. 
BMW refuses to correct or even consider this matter of complaint. 
Oddly, they did not even charge a late fee. 
Usually when people pay late, a fee is charged. 

Supporting photos attached. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citi Bank Accelerate Savings account for more than 2 years now. This account was opened with Citi Bank over 2 years ago. The W9 form for my Citi Savings account was submitted to Citi Bank when I first opened this account 2 years ago. My W9 form has clearly indicated that I am NOT subject to tax withholding. In the past 2 years, my Citi Savings account has never been deducted with any tax withholding. However, this month in my XXXX statement, I found that Citi Bank deducted {$29.00} tax withholding from my XXXX interest of my Citi Savings account. It is totally wrong and Citi Bank error. 

Actually I even called Citi Bank yesterday and inquired about my newly opened Citi Priority Checking account. I was told by Citi Bank representative that I already have my W9 form on file and this W9 form is good for both my Savings account and my newly opened Checking account.

However, today when I checked my Citi online account, I found that Citi deducted tax withholding from my Savings interest for the first time over the past 2 years. Then I called Citi Bank again, but this time Citi representative told me the total opposite that no W9 form is on file in my Citi account now. It doesn't make any sense at all, and apparently Citi Bank somehow made an error or mistake by getting my W9 form lost on file.

I request Citi Bank to immediately resume my pre-existing W9 form ( NOT subject to any tax withholding ) and also refund the {$29.00} tax withholding back to my Citi Savings account 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 monetary relief
Consumer complaint received 2021-06-19 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: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Hi there, I spoke to a lady on the phone from HSBC 8 weeks ago today, she agreed that all late payments from my account would be removed and reported to the credit agencies, also, I am currently carrying a XXXX balance on said account and is still showing that I owe XXXX when Ive paid it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either 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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank of America does not show the actual balance in full on its app. This is deliberate, to keep people from paying off the balance and avoid interest charges. I thought I paid off my balance, but there was actually interest. When I called to complain, I was told that the actual balance is XXXX XXXX  more than what is shown on the app. This is highly deceptive and in my opinion fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
on XX/XX/2021, I sent a letter to Convergent Outsourcing requesting requesting legal documents about this alleged debt they claim I owe them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They sent me some statements, but fail to provide me with the original application therefore they need to delete this account from my credit reports

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