vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
I have been trying to close my account with Gemini Trust Company , LLC via my account login on Gemini.com for over 3 weeks now. I have followed all instructions on how to close account but it never gets closed. I have emailed them per their " contact us '' to find out why my account won't close but never get a response from them. I believe that their account closure procedure is just there to meet requirements that they must provide a way to close your account but in reality it is just a facade that does nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lamont, Hanley & Associates, Inc.
State: NY

Complaint narrative:
Lamont , Hanley & Associates , Inc. harassed me over a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX eastern time from phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TX

Complaint narrative:
XXXX XXXX XXXX has been unwilling to correct this and remove the 30 day late from my credit reports. 

I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported 30 days late to each of the three Credit Reporting agencies. 

It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.

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 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Saddleback Acceptance Corporation
State: CA

Complaint narrative:
My checks are being garnished by a collection agency and they are not reporting payments to the credit bureaus which is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Facts : 1. I have never activated my card ending XXXX 2. I have not authorized any charges on XXXX XXXX on my card ending XXXX a. XXXX XXXX {$1000.00} & {$6000.00} bXXXX XXXX XXXX {$8000.00} cXXXX XXXX XXXX {$3000.00} & {$4000.00} 3. I informed you about the fraudulent charges as soon as I found out.

4. I did initiate the charges on the following charges on the card ending XXXX as a replacement for the card ending XXXX after filing the report 5. I've also made the payments to cover my charges : 6. The card ending XXXX was sent to my business office, which we shared with the owner of an LLC called XXXX. However, I've asked the owner multiple times, and he confirmed that he had never seen my card or made any charges. I doubt someone had my card and info there, but I'm not sure. 

Clarification : 1. Looking at the police report, number XXXX, I noticed the sentence At no time did Ye open a line of credit nor gave anyone permission to. Please be advised the narrative was prepared by the police officer after my visit, so I had no visibility on why he added that sentence. As you can see in all my documents and testimonies, Ive never denied the fact that I opened the Credit card. 
2. I have never received a card ending XXXX nor authorized anyone to activate or use this card. 
3. Card ending XXXX was sent to the office address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. I discovered the charge while I was using Online banking and called XXXX at Chase right away to dispute the charges and asked Chase to update the mailing/ billing address from my office to my home. 
5. Card ending XXXX was issued to XXXX XXXX and mailed to my home address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 6. Card ending XXXX was activated by XXXX XXXX. And we recognize all the charges on that card. Thats why we are not disputing those charges. 
7. XXXX and I can confirm that we never made the charge of the {$22000.00}. 
8. XXXX and I have not been in the office since the pandemic since all of my work can be done remotely now. Therefore, theres no way we had obtained the card and committed charges. 
9. As I mentioned above and in the police report, I suspect my neighbor, XXXX XXXX, who resides in the same office made the fraudulent charges since he owns an LLC named XXXX. However, Ive asked him several times since the incident ; he said he never touched any of my letters or documents. Since now Chase has the police report, I would love to see if there are any actions Chase can take to investigate. It is very important for me to know if I can continue to trust and work with my neighbor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
There was an inquiry that hit my XXXX credit report of Citizens for XX/XX/22, I am a victim of Identity theft. We tried talking with Citizens but the are unable to find anything but it is on my credit report. I have a police case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On two separate occasions my personal savings account has been locked, without my consent or notification by Chase Bank for fraud claims made by a family member. First occasion was on or around XX/XX/2022 and the most recent event was on or around XX/XX/2022. Both times I was advised that my father who is a terminally ill XXXX and XXXX patient, for whom I am the XXXX  for and have Power Of Attorney of both Medical and Financial concerns, contacted a branch for unknown reasons and subsequently a fraud investigation was opened. On the first occasion I was able to have the matter remedied after numerous calls and visits to my local branch. My account was then locked again without my knowledge and I was directed, again to a fraud investigator, whom would not supply me with her full name, office location, case number, email address or any other information verifying who she was. She made unfounded accusations towards me concerning the care and wellbeing of my father. She repeatedly stated the reasoning that he claimed I had stolen his money and notified me that I had to provide her proof of how and why I spend my own personal funds. I repeatedly asked for her to give me her supervisors name and information, to which she refused and became agitated when I kept insisting. She told me that until I provide her proof of my fathers condition that my account would remain locked. I am embarrassed, appalled and infuriated that my morals, motivations and reputation is being called into question by a nameless, faceless representative of this bank and that I am unable to have a say in the matter. I can provide full proof of my fathers condition, my POA 's but I feel that these are unnecessary steps to reclaim what is rightfully my funds and that were improperly withheld from me. I expect a full reversal of the closure as well as a written explanation and apology from this representative as well as the supervisors over her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: AL

Complaint narrative:
I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Experian which is still showing the amount of {$100.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Company : 11 XXXX and Source Reviewable Management Debt : {$400.00} Violation : This debt is no longer my obligation under federal law18 USC 8. The company XXXX has forwarded this debt to a debt collector without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a fraudulent complaint with Wells Fargo XX/XX/XXXX via phone call through their Consumer Service Department with regards to questionable activities on my savings and checking accounts. 

Date of Incident : XX/XX/XXXX all happened in Georgia consecutively just 1 day Physically I am residing in XXXX XXXX California ( since XX/XX/XXXX, before that XXXX Ca for 7 years ) Reported Fraudulent Activites via XXXX XXXX XXXX XXXX Wells Fargo ( XXXX ) XXXX from saving to checking amounting to {$4000.00}. ( @ {$2000.00} per transaction ) ( XXXX ) consecutive purchases amounting to {$3100.00} checking account Purchased at XXXX XXXX GA {$700.00}. Category ( other shopping ) Purchased at XXXX XXXX GA {$1900.00} Category ( other shopping ) Purchased at XXXX XXXX XXXX GA {$400.00} Category ( Electronics/Software ) Purchased at XXXX XXXX XXXX XXXX GA {$110.00} Category ( Pharmacy ) ( XXXX ) ATM withdrawal {$1000.00} on my checking at XXXX XXXX XXXX XXXX XXXX GA XXXX Wells Fargo ATM ) A complaint references were created. Just FYI during those entire conversation with the consumer service representative and I'm sure it was recorded, I was not advised to report this matter to the police for possible criminal liability. All they did was took all the details of my complaint. 

On XX/XX/XXXX I received via mail the resolution for one of my complaint with regards to the ATM withdrawal from my savings, They were saying that the {$4000.00} were tele transfered to my checking accounting thus closing my claim on that savings account. 

On XX/XX/XXXX received another email notice that my complaint for my checking account has been resolved and that they have not found any fraud thus my complaint was DENIED! 

How can their investigation be no fraud was found when I am in California and all those transaction done in 1 day consecutively happened in Georgia ( GA ). If they really did their investigation thoroughly my records since I opened an account with them that I never had any TELE-TRANSFER transactions or used that kind of transactions and never filed any complaints before this is the first time I had this kind of incident and VERY DISAPPOINTMENT on how they handled my complaints. 

Hoping thru this I can get some results and really praying that my hard earned money amounting to {$4100.00} be returned to me by Wells Fargo. I would love to continue doing business with them but this incident now made me think twice, I am now contemplating transferrering all my accounts ( XXXX in all ) to another Bank. I will also advised my friends and relatives to do the same.

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've previously filed a complaint XX/XX/22 - Complaint Number XXXX, against Capital One in regards to a theft of funds from my account, in which they responded on XX/XX/22 stating that I did not provide them with requested documentation. This is false, as I have the emails that were sent and received directly to XXXX. I was sent a letter from a Capital One Representative by the name of XXXX, who provided her number, extension and office hours. I've left repeated voicemails and she blatantly refuses to return my calls, It's now been more than 2 months and she is never available, and never returns my phone calls. I need assistance retrieving my funds that were stolen from my account, and Capital One has responded to the consumer complaint, but will not follow through when I contact them, as stated in the letter they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been communicating with Transunion for months I send them every single thing they ask for every time! Yet and still they come back with lie after lie! This is illegal, they will not remove the accounts on my report that are reporting as re-aged debt! This is seriously illegal by FCRA standards! Transunion refuses to work with me! It is excuse after excuse and theyre the only reporting agency doing this to me! I am completely fed up and will also be submitting a complaint to my attorney generals office! Please help me in getting through to these people, theyre doing everything they can to not assist me in disputing erroneous information on my credit report! I am livid and I am tired of going through the same things over and over again. I will be contacting the XXXX, the FTC, and my attorney generals office for the negligence from Transunion I am fed up.

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 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
I was in the process of trying to get a condominium when I notice a new negative account appear on my credit report the name of the company is enhance recovery company llc a company I have never done business with before.

I did some research to find out who this company was and realize there are a lot of complaint against this company. So I wrote different letters and sent it to each of the leadership team members of the company 1. XXXX XXXX XXXX, Chief Compliance Officer 2. XXXX XXXX XXXX, Co-Founder/Exec. Chairman 3. XXXX XXXX XXXX, CFO 4. XXXX XXXX, CEO These letters was mailed certified mail with tracking. It was mailed XX/XX/2022 and it arrived at enhance recovery company llc facilities XX/XX/2022. 

To date I have not receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Block, Inc.
State: KS

Complaint narrative:
I have been dealing with cash app regarding XXXX fraudulent transactions since the first of XXXX I have contacted them daily since only to be lied to hung up on claims closed and now waiting on a provisional credit only to be lied to again when no credit has been issued. I have spent hours on the phone trying to resolve the XXXX transactions XXXX for {$67.00} to XXXX XXXX ( I have no idea who that is nor can I contact the company as accordingly to XXXX the company doesnt exist ) the other XXXX transactions are to a XXXX XXXX  XXXX is for {$9.00} which was found to be fraud and refunded the other for {$77.00} I still am XXXX for. I was told on XX/XX/2022 the provisional credit had been issued when I couldnt find it in my statement online or anywhere I called again this morning only to be told my case was closed and there are no updated. I asked to be transferred to someone in that department as I got through to XXXX person XXXX time only to be told by the representative that they only communicate via email. I need my money and I will never deal with cash app again. Its obvious that those are fraud as one has already proven to be. I would appreciate some help as I am at my wits end and just want my money back. The lies are unexceptable! I trusted them with my money only to have them refuse to keep my claims open long enough to allow for the investigation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
The company came and picked up the car. It is finance through Ally Finance. I have been trying to get them to change this car in my name due to the death of my mother. They told me that if I sent the legal documents that I could get that done. Even after making payments and paying insurance on the car full coverage they came and picked it up. The would not even help during the hard times because the car wasn't in my name or the loan wasn't in my name. I have been honest with them through this process but they haven't with me. And now I have no vehicle to get to work and I have to try to see how I am going to get to work. I was also told that I couldn't do nothing that the car was in their possession. Not even help me finance it. You talk about hurt and not only that the guy I was speaking to rudely hung up on me.

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 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: LA

Complaint narrative:
My wreck happened XXXX. The XXXX picked me up without my permission minutes later. I really didnt need to ride in the XXXX  XXXX to begin with because I was discharged the same day. I only had bruises. I didnt have my wallet with me to provide my insurance card because it was stuck in my car. I did have insurance and they didnt check for it & later over charged me this huge bill. They reported it to the credit bureau without my permission and have it dated wrong. They also have it dated for 2 years later. XX/XX/2018 I tried to dispute, but the debt collections wasnt trying to work with me. I called the hospital and I was told my balance is XXXX $ for everything. On my credit account the balance is XXXX $ XXXX also cant pay that. Im in school full-time, single mom, and only a part time job.

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