vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My Kids send me money and wanted me to have a Chime Card account ... ... Today I went into a store and was declined ... .There is {$610.00} cash dollars in there as I have not been out because our weather was rainy cold and bad. Chime indicates I have done something illegal and they had to close my account ... ... .I have no idea what they are talking about ... .I want and need my money I am a XXXX XXXX XXXX Retiree with two Bank accounts 1 ) XXXX and 1 ) XXXX over 30 years old ... ... .Never had a problem. I do NOT HAVE A CRIMINAL RECORD. Please contact them and untangle this. I tried and only got a recording and a crazy email telling me to wait 30 days for my money which is horrible. I filed a complaint with the XXXX Chime wont even communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
A few weeks ago my entire wallet was stolen while I was going on a hike upstate New York. Whoever this person is charged my card for XXXX usd with XXXX. And I clearly was not the person who made this charge of authorized it. 

I reported the card lost and stolen to my bank. In 7 days ( Just today ) they sent me an email that said " We have closed your claim and we have determined that no error occurred ''. First of all I never said it was an error. I SAID THAT MONEY WAS STOLEN AND MY WALLET WAS STOLEN. I called them right away and they where unable to give me an answer on why it was closed and the representative couldn't even give me an answer for that and said I only see the same info that was on your email that you just told me about. 

I don't understand how a bank can handle this that way. Usually banks will provide documentations on why it was closed and what the final result was. Chime is a scam and very fraudulent. And I'm urging people to really not join CHIME because it's the most fraudulent bank I have every dealt with. 

I have not gotten any XXXX back from my stolen money. And chime has no interest in getting my money back neither did they show any effort. I will be officially filing a lawsuit against chime cause it is the second time my money gets stolen from this account even tho chime has changed my cards when reported lost. Chime is refusing to give me my money back even though they claim that they offer fraud protection which clearly they are not cause they are frauds themselves. I asked for proof so that I can see how they think I made that purchase and they couldn't offer any. I was told by a representative they don't know why they closed the only info she sees is that is that the claim is closed. I have not seen any documentation from Chime explaining to me why this decision came to be and even tho my money was stolen nothing was done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I put in a complaint with you about Portfolio Recovery Associates. I had asked for a list of supporting documents for validation purposes and all they sent back was several invoices and a 1 paragraph explanation. 

CFPB, please help me. I want to know since the FCRA and the FCBA says I have a right to ask for these documents that I needed such as 1. Proof of original contract with my signature 2. Provide verification as to why you say I must pay this debt.

3. Please furnish the amounts and ages of each debt 4. Please send proof of all billing statements sent to me since you are claiming that I owe to the original creditor 5. State the amounts of debts when you obtained it and when that was 6. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amounts of each added amount.

7. Please provide proof of last billing statements sent to me since you are claiming that I owe these allege debts.

8. Please provide proof of any payments or other reductions since the last billing statement from the original creditor, I am requesting a full verification as well as documentation of the amount you are trying to collect. Please explain how that amounts were calculated. Also include an explanation on how the other changes/adjustments are expressly authorized by the agreement creating the debts or permitted by law.

9. Also furnish when the creditor claimed these debts became due and when it became delinquent 10. Provide proof of the dates of the last payments made on each account and by what method 11. Lastly provide proof of your license to collect in my state and send with that your license numbers and registered Agent or Agent of Service.

12. Proof of sale between Portfolio Recovery Associates and the company you purchased these allege debts from that has been notarized 13. The assignment clause from the original contract that I supposedly signed.

14. Please provide me with the account number used by the creditor and the amount owed to the creditor at the time this account was transferred 15. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to your company Portfolio Recovery Associates did not provide not 1 of these documents. And I want to know why and why is it okay for them to continue to report this unverified and invalidate account on my credit report. It's not right and something needs to be done about it now please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am here to write this letter to inform you about a fraud that has happened to me. Firstly, the people called me about how my XXXX account was hacked and was red flagged. They told me that they were from the XXXX support team. Due to the fact that my bank information was connected to my XXXX account ( aka XXXX XXXX ) I began to raise concern for this issue. Then, they told me to download the team support quick share app so that they can see my screen and help me solve the problem. After that they made me go into my phone setting where they saw all my information like IP address and my phone serial numbers. When my screen was shared with them, they had me go into the Bank of America app to do multiple XXXX transactions and Im pretty sure they froze my screen since they asked me to hold a long pause while I was in the app. I also noticed that the money in my bank account did not make sense as money was going from my savings into my checkings and checkings back into my savings. Then they asked me to go to my email that has the fraud alerts sent out by Bank of America and they asked me again to hold for a long period of time. Based on that I concluded that they have the ability to control my screen and take action on their part. After going through my email, they asked me to go on XXXX XXXX and replace my card information for theirs and tried to begin certain transactions saying how those are dummy accounts to test something. I refused to do so but as they now have my XXXX information, they did the transactions themselves. I then decided to call Bank of America and get this situated after realizing its a fraud. I then took all of my money back out of XXXX so that they wont take any more money out of my XXXX account. The total amount taken from me was {$7400.00} on the day of XX/XX/2020. I called my bank many many times and they did not help me solve this issue and kept blaming it back on me saying it is my fault. I had no knowledge that this whole situation that happened was a fraud at the time of this incident. All I thought was that those people are from XXXX support, that was why I cooperated, otherwise, I wouldn't have.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased an engagement ring from XXXX XXXX for {$5000.00}. My debit card was declined, so I called Ally Bank. Ally advised me that they removed the block and to go ahead and retry the card. The card declined again and Ally advised me to retry it again for {$4900.00}. This repeated several times until a transaction eventually went through for {$4900.00}.

On May 17th I noticed that 6 duplicate transactions went through for this purchase. 1 was the last one that went through, 1 was automatically reversed by the merchant, and 4 were uncorrected duplicates. Of the 4 uncorrected duplicates, 2 were for {$4900.00} and 2 were for {$5000.00}. These totaled {$19000.00} in uncorrected duplicate charges, overdrafting my account.

I called Ally to have this corrected and they advised me that the dispute process would take 10 days after which I " may '' be awarded provisional credits. I advised them that I could not afford to be short {$19000.00} for two weeks, but they said they couldn't help me. They advised that the merchant couldn't help me either since this was a bank error, not a merchant error. Why can they not grant me a provisional credit when they know it's their error?

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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I received notification that an ACH deposit failed. The email stated " please deposit XXXX USD within 7 days to bring your Binance.US account into good standing. When you initiate an ACH deposit, we credit your account immediately and your bank is charged 3-7 business days later. To settle the disparity. '' On XX/XX/XXXX I deposited XXXX $ minus the fee had XXXX in my account. On XX/XX/XXXX I deposited another XXXX $ which took care of the charge back email I received on XX/XX/XXXX. On XX/XX/XXXX I contacted customer support and asked how long it would take to unlock my account. My support ticket is # XXXX. Which was filed with Binance us. Yesterday I received this email " We are terribly sorry for the delay in our response! 

Currently, we are working to resolve a high volume of inquiries, and we noticed you had not yet received a solution. 

If you still need assistance or have any questions, please let us know and well get back to you here ASAP! 

Thank you! 

Customer Support Binance.us '' While the whole time my money is sitting in a crypto currency that I've been trying to sell to prevent me from losing thousands of dollars ... ..if the market crashed tomorrow all my money would be gone, which makes this important to handle in a Timely manner. I've read other people who were locked out for months. Feels like they are holding my money hostage, while I have to sit back and do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
I am a victim of identity theft, I have sent a FTC report out before to have these accounts removed immediately from my report according to the FCRA which was told by my lawyer these accounts are suppose to be blocked and removed right away then are suppose to be reinvestigated they are violating human rights and are creating a danger for me and my family because these accounts are effecting my credit score. These accounts are not mine. I filed an FTC report and Identity theft affidavit with proof of a letter that has been signed and notarized that this is me disputing. I know it is your companies dutie to report right information please remove all of the fraudulent accounts. 

XXXX Bless

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 2021-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Received a letter in the mail about a debt- car loan- that is not mine. Called them and let them know. Was told they will keep calling and mailing me, used foul language. I have contacted my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
This is not mine. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX BEST SERVICE COMPAN Account Number : Please remove it 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 2021-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issues is that I could have applied for PSLF in XXXX of XXXX, but the payment number was not corrected until late XXXX of XXXX. I received a payment count update in XXXX of XXXX which was missing around 17 months of payments. I then received another updated payment count in XXXX of XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: U.S. BANCORP
State: UT

Complaint narrative:
US Bank is reporting a late on my credit file that needs to be removed. I had my account on deferment for XXXX, XXXX, and XXXX. However, when I looked at my credit file I noticed that they reported me late for the month of XXXX in 2020. This is not my error, and it must be removed immediatley.

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am unhappy and seldom a user of Chase 's credit card. 3 years ago, they left me on my own and allowed a dentist to take {$4500.00} of my money without fulfilling their responsibility and fixing what they charged me for. After that time I stopped using Chase card altogether but I was told if I close the account it would impact my credit score negatively so I held on to the card. 

Last XXXX, I made a reservation for a group of friends for a XXXX XXXX trip that due to large bill size I had to split the cost into two credit cards ; one was a Chase bank credit card. Due to recent Covid events in XXXX that impacted almost all of the people in my party we decided to cancel the trip. The portion of refund in my Chase credit card was {$12000.00}. I contacted the credit card 's customer support on the XXXX of XX/XX/XXXX and was told the request was noted and I would get an email within 24 hours. After 48 hours I did not get any emails. 

When I called to check on the XXXX of XX/XX/XXXX, the agent told me that the request is in process and I would get a response with 24 hours. Again no email was received after 4 days. I called back and tried to talk to a supervisor on the XXXX of XX/XX/XXXX and all I found out my request is dated the XXXX of XXXX and not the XXXX. Also, the only help I was given was a mailing address and a Fax number. in XXXX where everything is instantaneous and electronic I was given options more suitable to XXXX. 

Over and beyond, I was told that they would send my money by check which usually takes 7 to 10 business days and naturally another 3 business days to be cashed into my checking account.

This is a daylight robbery from thousands of people like me who have a negative balance where Chase is profiting illegally. On their own website, they publish the rate they are charging others for my money is ( https : //www.chase.comXXXX ) is 0.0308 % /day which adds up to {$3.00} a day or {$110.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/2021 I thought I was purchasing a XXXX  XXXX from a seller on XXXX. They stated their XXXX was locked and I could XXXX over the money ( which I did ). The seller said she would email me the shipping info ( which she never did ) and I never got the item. I called my bank the very same day reporting this person a scammer ( and sent over all the paperwork and correspondence ) and they keep denying my claim. My money is not protected by my bank

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 2021-05-17 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: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR HARLEY DAVID # XXXX DEAR CRA / HARLEY DAVIDSON ; I was going through my motorcycle Harley Davidson finance and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

Complaint narrative:
Several fraudulent charges were made on my Sam 's Club Mastercard around XXXX or XX/XX/2020, for a combined total of {$370.00}. This was reported in XX/XX/2020 to Synchrony Bank, the card issuer. They cancelled and replaced the card, but transferred the fraudulent charges to the new card. Despite multiple phone calls to the fraud department since then, and the filing of a fraud report form, they continue to bill me for a part of the charge, and interest. They initially falsely claimed that the charges were not fraud, and that the merchandise had been delivered to my house ( muscle building supplements, I am a XXXX XXXX XXXX woman, I absolutely did not buy this. ), but they were unable to provide tracking numbers or any carrier information, and I think they have backed down from that claim. 
Basically, this is a fraudulent charge, carefully reported to the bank immediately, and re-reported to them with every subsequent bill, and they refuse to remove the charge from my account.

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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OR

Complaint narrative:
I got a denial for XXXX Personal Loan because of LexisNexis Risk Solutions Inc. Risk View Consumer Inquiry Department This is not fair I am disputing the information reported by XXXX it is totally incorrect and going to be being removed so how do I stop these Profiling Risk solution companies to stop stop profiling me on bogus false information I am XXXX and a victim of identity theft and I demand to have this illegal practice of profiling on me to stop forever I am tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation