vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
During the first week of XXXX, I was informed TD Bank initiated to close my account and I would receive my remaining account balance in form of a check sent through the mail. Since that time, I have gone to the branch multiple times, stood for long hours under the sun, and on some days in the rain-soaked wet which made me very very unhappy because I am sick ( being in those conditions is dangerous for my health ) and after all those distressing waits the only answer I kept on getting was " the account is not closed yet but will be closed and I would receive a check in the mail. '' When will it be closed? Why is it not closed yet? I never got an answer to those questions. 

I resorted to getting somebody from a different office on the phone hoping that they couId help me solve this issue but I was just taken back to the same problem. I spent so many hours on the phone to be repeatedly told by each and every customer care agent the same exact thing that I should go to the usual branch I went to on XXXX XXXX XXXX XXXX and they would close the account then they would either hand me a check or send it in the mail. This never happened and whenever I went to the branch office I had to go through the same heart-breaking experience. Imagine yourself going to the bank about twice a week, WITH A HEALTH CONDITION standing under the sun and sometimes under the rain. This could cause me serious health consequences during a time when any sickness could be fatal. 

Today the branch manager XXXX XXXX XXXX told me the same thing he has been telling me for the past months that he is sorry but there is nothing he can do for me and this is out of his hands ; how is this a solution from a branch manager. An account closure is not so complex but why is my situation different? I never had an answer to that. I told the branch manager I am honestly very annoyed and have tried my best to be as humble and polite as possible but it is clear they are unwilling to help me. 

I have tried every possible polite way to get this resolved. Frankly, I am very angry and disappointed. I have suffered physically, financially, and mentally just to get an account closed. I should not have to go through all of this just to get my money back. 

Please help me close my account and send me my balance. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
A debt collection agency in New Jersey is contacting my family member to tell them that I owe {$3000.00} to Citibank. I have asked them to remove the number of my XXXXyear-old mother who lives XXXX miles from me - but they continue calling her every day. I owe the debt but am currently unemployed. The caller uses a threatening tone and makes vague statements to my mother - but hasn't left a voice message or call for me. In XXXX I asked the to stop this. They continue. 

Previously a woman was calling and I told her not to call my family. The calls stopped. However this week a man named XXXX has called my mother every day. I have spoken to him and told him this was harassment and he agreed. But the calls have not stopped. 

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 2021-04-22 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Today XX/XX/XXXX, I called Navient to remove my information front credit report but was told that they did not remove the information because XXXX is suppose do that. I then called XXXX and they told me that it was the responsibility of Navient to report it wrong. A little got was a run around from both. My student loan was XXXX in XXXX. I have had other issues with XXXX not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. The law clearly states from date of adjudication or date of order of relief. A Dismissed Case will never have a " date of Adjudication '' or " Order of Relief ''. Experian is in violation of the law and must immediately remove this information. 

Considering that this does not require an investigation, I would appreciate Experian removing all dismissed Bankruptcies within 14 calendar days from receipt of this complaint.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had several transactions decline on my debt card this week ( since Monday, XX/XX/XXXX ) and called the bank today to find out why. The first customer service agent hung up on me after a 15 minute hold without any answers. The second agent I spoke with was a BBVA rep who claimed to have no access to my account. The third and fourth agents I spoke with told me my account was being " investigated '' by their partner, BBVA, but neither agent was able to offer an explanation as to why my account is being investigated nor could they give a definitive answer as to when my money would be available. They also could not give me a deadline for when this information would be available to me, they could not explain why I was not notified that my account was under investigation or how long it would take, and they refused to escalate the call or put me in contact with the team that is investigating my account. In addition to denying me an explanation and access to my account, they also refuse to close the account or allow me to transfer any of my money to another bank. While I was typing this I received a support message that my account was under investigation for fraud ( support message attached ). This was absolutely unacceptable and banks should not be allowed to hold customer fund without any explanation for any period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I financed a new car through Hyundai Motor Finance and made our payments every month on time and paid off the car on XX/XX/XXXX. I mistakenly made another payment in the amount of {$620.00} on XX/XX/XXXX. Within a matter of days we realized the mistake and contacted Hyundai Motor Finance to let them know that there was an overpayment of {$620.00}. They told us at the time that they would send an email to the correct department and we should receive reimbursement for the overpayment within 6 weeks. About 7 weeks passed in XX/XX/XXXX and we still had not received the refund and so we called them again. At that time they said there had been an error and we would receive a refund of {$620.00} within 4 weeks. After the 4 weeks passed with no refund we contacted Hyundai Motor Finance again in XXXX of XXXX and they said that it had been denied but there was no reason given and would submit it again. About a month ( XX/XX/XXXX ) passed and we contacted them again and they told us the same thing that it had been submitted and we should receive a refund. After several months my wife and I contacted my bank to dispute the charge. After several weeks the claim was denied because they stated that I needed a letter from Hyundai Motor Finance stating that the car had been overpaid. Today XX/XX/XXXX I called and spoke with a representative with no resolution,. My wife called and was finally able to get a supervisor on the phone. She spoke with XXXX. She told her that none of the emails had ever been responded to and would not send a letter stating there was an overpayment even though the website and bank statements clearly show that there was an overpayment of {$620.00}. I called back and they refused to let me speak with a supervisor and was hung up on. It has been over 7 months and I still have no relief from the {$620.00} that should have been returned.

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 2021-04-22 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: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are XXXX XXXX XXXX and XXXX / XXXX XXXX. I could not reach XXXX and XXXX stated they didn't show anything. Contacted XXXX to dispute 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 2021-04-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX of XXXX, XXXX XXXX XXXX  ( XXXX ) withdrew XXXX dollars from my account for no service provided as of yet. My email was spammed with phishing emails and no valid numbers or emails. These were to be credited back to account After an email was provided included invalid emails sent through a portal not controlled by XXXX. They did not credit my account instead they continued to keep withdrawin another XXXX dollars using my debit card without my authorization. I had to have a new debit card re-issued. This was a trial run using XXXX. 
A dispute was issued and monies were credited returned to my account by Navy Federal Credit Union ( NFCU ). 
Several request were made to have copies of merchant response sent to me so I could respond. This information was witheld from me to-date no merchant response received. This bought the attention of the dispute department and appeals or cco resolution. 
Navy Federal Credit Union allow theft of my funds from account through use of my debit card by XXXX. No proof was not shown that leads were valid and that an investigation insued for the return of my funds. Instead an email was sent they Will release funds merchant on XX/XX/XXXX. Even after I provide all the supporting documents in my favor and possession to NFCU XXXX RESOLUTION but they denied my dispute and denied my an appeal. As well as allowed someone named XXXX And XXXX XXXX to open a savings account using my address. After bringing this to accounting fraud department attention I got an email they were returning funds to XXXX. This put my account in the negative and I had 'to take from a personal joint account to cover my payroll to my XXXX XXXX. I will report this IRS to transparent about my business account. 
Also this XXXX was reported to Federal Trade Commission for deceptive trade practices and fraud emails phishing spamming and theft of my money using my debit card unauthorized during a trial period of less than 30 days and withdraw after account closure requested with 30 day period for Since opening my business account it has been pristine and well maintained and managed. {$560.00} and {$84.00} must be redeposited to my account because of unauthorized amounts. 
My account was cancelled within 30days due to poor customer service and failure to credit back account for invalid emails and unauthorized debit from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I got in contact with Credit Consulting Services , Inc. collection agency, I told them I want to pay my debts regarding to hospital bills, but at the time I ask for the letter agreement they denied to provide because they said they don't do that, when they provide to me the amount of the full payoff I notice they charge interest ad very high which I do not remember sign any contract saying I will pay for interest in case I can't pay at that time. The first 2 persons I talk to from the agency collection argue different excuse and make pressure on me to obligate me to pay the amount they said, explain to me I not allowed to pay the accounts I want and telling me if I want to pay should be as a package bundle, all amounts at once. The only account beg to them for detailed explanation is that one from republic services which after 3 weeks I didn't receive any notice. All this happen at the last day of mach 2021, I went to their office to talk with the person in charge of that office, in our conversation she said charging little bit less than 10 % in interest I respond to her isn't true is almost the 20 % and she quote " you know have until XX/XX/XXXX to pay the amount we said. and get away with out answer my other concerns. In the different conversation I have with different persons in there include the in charge of my account named XXXX its being many lies and different answers to my questions from every single of them, although I told them I consult the government website regarding my rights as debtor, they try to rip me off charging interest to debts which they shouldn't. The only ting I want to pay the debts. other thing they have being doing is reporting false information to companies as XXXX XXXX  showing inflating amounts of those debs. Last year my wife did partial payments to tis office which the share very high interest and they did not clarify to me. The last thing I request to them is copy of the paper I sign and they respond they not going to do 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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Risecredit, LLC
State: SC

Complaint narrative:
The debt is with rise credit which I paid and when I try to dispute it with equifax they send me a notice stating that information has already changed. It hasn't its closed and killing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.

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 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until XXXX hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.

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 2021-04-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning Aqua Finance, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX  Secure / ( XXXX XXXX XXXX XXXX ... by using a falsify document from her business partner XXXX XXXX XXXX / ( XXXX XXXX XXXX ... noted both name are on document 6 of 8. 
See attachment : A1 - page 4 - 8.

Company response to consumer: Closed with explanation