vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: DE

Complaint narrative:
Good morning, I have banked with Chime for a few months, and during that time there have been a number of issues, including platform outages. However, this complaint is specific to a check I tried to deposit last week that was rejected. My check aligned with their published terms for remote deposit ( 3rd party check for less than {$2000.00} daily limit less than {$10000.00} monthly limit, account in good standing etc ) yet was still rejected by Chime. It was from my benefits provider as a reimbursement for child care ( WageWorks ). I attempted to deposit the account with clear images on XX/XX/XXXX and received an email from Chime ( that went into my junk ) on XX/XX/XXXX that indicated, " We are not able to clear this check. '' The check was clearly made out to me -- my name has not changed, and neither has my address ( both which match my Chime account ). I signed the back. It was not expired. My account was in good standing. And I've remotely deposited XXXX checks before. In summary, there was no reason I can possibly imagine for denial. Subsequently, I reached out to XXXX, who confirmed there should be no issues with the check. 

That same day XXXX XX/XX/XXXX ) I messaged Chime ( in their app ) for help and/or clarification as customer service was closed. Their customer service inquiry indicated they would get back to me within 24 - 48 hours. That was 5 days ago and it has been radio silence ever since. 

Thankfully, I've been able to make ends meet without the availability of these funds, but I've opened a new bank account and am waiting the hold time to access funds I've moved over. Not only did Chime break their published mobile check deposit terms, but they were completely unresponsive to my inquiry afterward. If others are reading this, beware, this is NOT an institution I would recommend!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Some fraudulent charges found and so I have filed with Discover Card company and Discover gave me credit for both authorized charges and unauthorized charges, I called Discover and notified them they are not supposed to give me credit that are accurate charges and do not charge back to merchants that are not fraud those charges are accurate. a month later Discover charged all back to my account including unauthorized charges and charged back to merchants at the same time that are not fraud charges and I specifically told them all online charges are accurate. I told them twice that all online charges or phone charges are accurate those are not fraud. Since they put all charges back to my account and they also charged back to the merchants I have to pay Discover and the merchants another means Discover double charged. They charged me and they took money back from merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: OH

Complaint narrative:
After unsuccessful attempts to dispute a debt with XXXX  and Equifax, I initially contacted Tek-Collect, the debt collection company on XX/XX/2020. I advised them that the debt was paid in full to the original creditor XX/XX/2020. I provided them with a copy of the canceled check. They said it takes 2 to 3 days to verify and update. I contacted them again today XX/XX/XXXX because Tek-Collect updated dispute investigations with both credit bureaus as accurate and unpaid despite being provided proof of payment for the third time. The representative at Tek-Collect refused to provide a supervisor to discuss this matter with. She requested proof of payment again. She advised that they began working on this matter on the XXXX and still needs more time but had to estimated time for completion. She declined to take proof of payment again after being advised that they have received it several times.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX for the next few months. Got this error logging in " We locked your account to protect it from suspicious activity.To unlock it, call XXXX. '' Contacntryted fraud department to unlock. Employee must've answered security questions wrong. Now I can not login to online banking / use points / etc. Told to go into a branch however I am out of country for next few months. They are offering zero paths to unlock my account over the phone or online. Agents are dismissive when I call now. I have no way of entering account and have money, credit cards, and miles tied up in account until perhaps May when I can enter US again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Citi Card Thank You accounts were shut down without any warning or notice on XX/XX/2020. With the card being shut down, over 1 Million Thank you Points immediately " vanished ''. I was told by a Thank You Points representative that I would have 60 days to transfer out these points I feel that Citi was deceptive in their advertising practices by allowing me to earn all of these Thank You points, and then closing my account without any notice, thus giving me no opportunity to redeem my points.In addition, I was compiling these points in order to take my family on a vacation soon. I have also been told by representatives it was smart to save up all of these points rather than use them immediately. Taking these away is an unacceptable and unethical business practice that is unfathomable during a pandemic and during the holiday season.

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 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX XXXX, I requested a wire transfer from my bank in XXXX to wife fund into my XXXX XXXX account with XXXX, to today date, I have receive not fund in my US account. I reach back to my bank in XXXX, and they also requested more detail to their partners bank in the XXXX ( XXXX XXXX ) Please see below the response from XXXX. 

XXXX : Transaction Reference Number XXXX XXXX : Related Reference XXXX XXXX : Narrative AS A FOLLOW UP TO YOUR INQUIRY UNDER REFERENCE XXXX ADVISING US THAT THE BENEFICIARY IS CLAIMING NON RECEIPT OF YOUR PAYMENT REFERENCE XXXX IN THE AMOUNT OF XXXX DATED XXXX EFFECTED UNDER OUR REFERENCE XXXX. 
DURING THE COURSE OF THIS INVESTIGATION WE HAVE REPEATEDLY FOLLOWED UP WITH THE BENEFICIARY BANK FOR CREDIT CONFIRMATION. DESPITE OUR REPEATED FORMAL REQUESTS, THE BENEFICIARY BANK HAS YET TO PROVIDE AN UPDATE. 
DUE TO THE LACK OF RESPONSE FROM THE BENEFICIARY BANK, WE ARE CLOSING THE INVESTIGATION ON OUR END. AT THIS JUNCTURE WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE XXXX. IF WE RECEIVE ANY ADDITIONAL DETAILS FROM THE BENEFICIARY BANK REGARDING THIS MATTER, WE WILL UPDATE YOU ACCORDINGLY. 
PLEASE QUOTE OUR CASE REFERENCE XXXX ON ALL FOLLOW UP REGARDING THIS MATTER. 
REGARDS, XXXX XXXX INVESTIGATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I previously filed a complaint with XXXX  that XXXX & USAA are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, XXXX  claimed I disputed the XXXX n & USAA 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves XXXX  NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided XXXX  with documents directly from the IRS confirming both XXXX  and USAA filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to XXXX, XXXX  or XXXX. Both XXXX and USAA lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, USAA had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance USAA was reporting and continually verifying as accurate, by their own omission was NOT accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened an amazon sincrony bank credit card to purchase books for college. I paid it off in full back in XX/XX/2019 for the last amount of XXXX. I called to have my account closed and they decided not to close the account instead opened a brand new account under my name unauthorized and know I have charges that I didnt make and have been calling them o resolve this issue and has been under investigation since XXXX 2019. almost a year know I keep calling them to find out whats going on because I am a very responsible individual and I dont need charges that I didnt make under my name so its under my best interest to get this resolved. They are requesting payments and I refuse to pay for something that I didnt make.

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 2020-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Beginning with COVID-19, my wife and I had reduced paychecks and were automatically put on forbearance with the company, Specialized Loan Servicing, which was helpful for us to rearrange our finances. Realizing we were only paying {$10.00} in principal a month while paying nearly {$220.00} in interest, we didn't want to get any further behind on this loan. We made our back payments and then increased our monthly payments to {$300.00} to help pay additional principal. There was an issue with the back payment, but we fixed it as soon as we realized and had no issues. The problem is that all extra payments keep getting applied to future payments and they are not reducing our principal. I have called them over and over and have only gotten ahold of one person in a dozen calls who I thought had rectified the situation. I am now looking and realizing they fixed everything retrospectively but have gone back to the old method of simply paying future payments which does not help us at all. I just want our extra payments to reduce my principal but I can not get through to SLS to make this happen. My ignorance of the type of loan we were getting put us in a bad position that I just want out of as soon as possible but they are fighting me every step. Please help.

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 2020-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with XXXX, Equifax  and XXXX. Although I had a XXXX balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX  IS REPORTING XXXX 'S BALANCE OF {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with Experian, XXXX  and XXXX. Although I had a XXXX  balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX IS REPORTING XXXX 'S BALANCE OF {$520.00}.

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a bank statement for XX/XX/2020 to a BOA account I never opened. I contacted BOA and issue is told that my account will be closed but that I am a subject to identify theft and should check my credit reports. I have not found this BOA account on any of the 3 credit reporting agencies. BOA also sent a XX/XX/2020 statement for another account in my Wife 's name that she did not open. We do not any accounts with BOA. I reviewed my credit reports and see a soft inquiry noted in XX/XX/2020 by BOA. BOA asked for my Full Name, SSN, Address to than inform me that I am a victim of identity theft. 
My concern is, I don't have any account with BOA showing up on my Credit reports, so I suspect these two Checking accounts called " Advantage SafeBalance Account '' were opened by BOA by themselves without my Wife or My approval. I am requesting an investigation on this matter and if BOA is using any of the information I provided for other means. I do not suspect identity theft as stated by BOA, but something else internal with BOA.

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 2020-12-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a Walmart, synchrony bank card I am disputing the amount 2017-present day.the bank sent me8 to 1099C from the collectionOf debt. They canceled {$740.00}. Now I have the same bank sending me the notification say I owe {$1100.00}. I was informed by the Walmart that was paid off now while its on my credit for a showing that I owe more money than I paid off of {$1100.00}. Ill reach out every month for the last four  years certify the XXXX do I old money to a collect did that by the bank when I made the payment of {$740.00}.

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 2020-12-07 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: CA

Complaint narrative:
On XXXX XXXX, 2020, I called Transunion and informed them that I had a inquiry on my credit report. I was told that they would not remove this inaccurate inquiry from XXXX XXXX XXXX XXXX XXXX, 2020 ) even though XXXX  removed this inquiry. If another credit bureau removed an inaccurate inquiry why is Transunion refusing to remove it? I want this inquiry removed immediately. 

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 2020-12-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus Equifax, XXXX  and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
COMPLAINT : UNITED WHOLESALE MORTGAGE ( UWM ) I REFINANCED MY FHA LOAN THAT I HAD WITH UWM TO ANOTHER LENDER AS A VA LOAN. 

MY SETTLEMENT COMPANY PAID OFF THE {$690000.00} THAT WAS THE PAYOFF AMOUNT DUE ON XX/XX/XXXX. 

UWM DIDNT PROCESS THE PAYOFF AND SAID I WAS SHORT ON MY PAYMENT. 

THEY CHARGED ME {$600.00} FOR XXXX PMI EVEN THOUGH I PAID MY PMI THROUGH XXXX. THEY CHARGED ME AN ADDITIONAL 7 DAYS OF INTEREST {$480.00} AND ALSO ADDTIONAL ESCROW CHARGES. TOTAL OF {$1700.00} AND COULDNT EXPALIN TO ME WHAT THE CHARGES WERE FOR. 

I CALLED THEM 6-7 TIMES AND SPOKE WITH VARIOUS ASSOCIATES AND MANAGERS AND THEY COULDNT EXPALIN WHAT HAPPENED. I WILL BE REPORTING THEM HERE AND TO THE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My student loan servicing is through Nelnet. I was a graduate student from XX/XX/XXXX to XX/XX/XXXX. Interest accrued on my loans while I was in school. I was in post-grad forbearance until XX/XX/XXXX. COVID forbearance is currently active and started in XXXX. At no point in time have I been in repayment status. Nelnet moved my loans from post-grad forbearance, to repayment status for 1 day, and then into COVID forbearance in XXXX and capitalized {$2200.00} in interest at that time. I never received a letter letting me know about the status change to repayment and interest being capitalized.

Company response to consumer: Closed with explanation