vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I leased a XXXX XXXX XXXX thru Ally Financial. Two months ago I was in an accident and it was totaled. My automotive insurer, XXXX paid them off in full. It took a few weeks for it to show up on my account on the Ally Automotive website. When it did ti said " Paid in full '' then one day later all of my information on my account changed to " unavailable '' and I wasn't even able to view past payments. Shortly after my accident I moved to a different address, of which I notified Ally over the phone. They confirmed it and supposedly put it in their system. 

I checked my bank account and on that same day they took out another payment from my bank account for the car, even though it didn't exist and was paid in full. This was on XX/XX/XXXX for a total of {$310.00}. I tried to get a hold of them to get that money back as well as the half of month previous which I didn't have the car for two weeks, ( pro-rate ). 

When I called them they kept telling me they needed to contact another department, but actually just kept hanging up. This happened three times the week of XX/XX/XXXX. Finally, I got a hold of the accounting department and they told me I owed them {$680.00} ( Basically XXXX minus the other payment they took ). I figured I would check the website to double check where it said " Paid in full '' but now all of my information is gone. 

Fast forward to XX/XX/XXXX, where Ally started robo dialing me to " collect a debt '' from the phone number XXXX XXXX XXXX XXXX for a total of 6 times also on dates ( in addition to XXXX XXXX XXXX XXXX XXXX ( twice that day ) XX/XX/XXXX, and again today XX/XX/XXXX. I've answered it a couple of times which is how I learned it was a robo dialer also they never leave voicemails with this number to confirm who they are. Pretty sure you can't make robo calls for debts anyways, but this whole thing is messed up. 

I've requested that they send me the information to my new address, but they tell me they never changed the address, and they demand my social security number over the phone, and frankly, I don't trust them with that information, and the number itself feels like a scam. 

In short : Ally was paid IN FULL by my insurance company after a car accident, they are trying to bill me for an extra XXXX dollars. They owe me at least {$310.00}. They've deleted or removed access to my information online to deliberately hide that fact. They then started using robodialers ( which erodes the safety and trust of sharing information over a phone call ) to harass me into giving them money. They refuse to change the address on my account unless I share very private information over the phone.

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 2020-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: B&B Funding, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX took over my second mortgage on XX/XX/2019. XXXX billed me an overdue amount of {$1400.00}. XXXX alleges First American Funding misapplied payments via ACH wire transfer payments that Fiurst American collected during the time First American serviced this loan. Further, XXXX alleges this loan was 115 days in areas when transferred from First American. At no time did First American notify me this loan was in arrears. In addition First American set up, maintained, and managed the ACH wire transfers, and at no time did First American report any problems whatsoever. First American never reported any negative account information to me or to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The company is calling on a COMPANY credit card debt owed to AMEX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the AMEX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I returned 2 orders to XXXX in XX/XX/XXXX on orders that I purchased in XXXX of XXXX. Back then, the Fidelity credit card was issued by XXXX XXXX. Since then, Fidelity has switched issuers to Visa. 

XXXX processed the returns to the original credit card of purchase ( Fidelity XXXX, now a Fidelity Visa ) on XX/XX/XXXX. The two separate amounts of {$160.00} were not credited to my account, likely because Fidelity 's systems are not set up properly to acknowledge the return from XXXX. 

Since then, I've called in to Fidelity over 10 times to get the 2 refunds  processed to my credit card account. I've spoken with multiple agents and faxed in the XXXX email confirmations that show the two separate returns. Fidelity has yet to take action and do anything. It has been 4 months.

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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I can not link my card with XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
XXXXhow Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: VA

Complaint narrative:
XXXX  account # XXXX was included in bankruptcy filing in XX/XX/2019 and XXXX on XX/XX/2019 but is reporting {$34.00} balance & charge offs after bankruptcy filing. I have notified the creditor and the credit bureau multiple times but they have yet to fix this account - it should have a zero balance and no charge offs after XX/XX/2019. They fixed the other accounts with this creditor on Transunion but still have not fixed this one.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I transfered {$4100.00} from another pepaid card to my Bluebird account on a Sunday afternoon XX/XX/2020. I woke up today XX/XX/2020 to 2 e-mails. The first 1 said my deposit posted to my Bluebird account but 30 minutes later I got another e-mail saying that my account was suspended. I called customer service and all they would tell me is that I needed to send a letter to a P.O. Box in  Georgia and ask for my money. That is all the money I have on that card and I don't have time to wait around for letters to go thru. I am currently looking for a place to live in a new city and I am staying in a hotel. This hotel has that card on file. Customer service wouldn't even tell me why my account was suspended. I really need my money. I was supposed to give this card information to my job today for direct deposit but now I can't..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have completed the on line application THREE XXXX  times to receive at least one report. One popped up on my phone for maybe 30 seconds as I was trying to print it out it disappeared from my phone screen. Great job you corrupt people. 
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 non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
XX/XX/2020 XXXX XXXX  Midland Credit Management called me at work. I do not believe I had listed my employers number on any applications in the last 10 years so I was very surprised to have a call of this nature at work. I have in fact marked any and all boxes stating my work can not be called. I told them they can not call me at work, ever and in our state it is in fact against the law. he argued with me and told me that is untrue, and harrassed me to stay on the line with him. A coworker witnessed my end and went into managements office to report me. 
It is against company policy to receive phone calls of this nature and in my job position debt collection calls jeopardize my employment. Harassment from debt collectors has a zero tolerance. The company I work for will not only remove me from my position but will also initiate a lawsuit against the harassing agency. 
NEVER have I granted any agency permission to call my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I cashed a check of {$4900.00} to my Wells Fargo account ending in XXXX on XX/XX/2020. I called Wells Fargo to let them know if was a fraud check and they indicated I could not cancel the pending mobile deposit. 
The check was deposited and I was given the {$4900.00}. Why was I given {$4900.00} if the check was fraud? It wasn't even from a real bank. How does Wells Fargo allow this for their customers? There is no safety for customers if that is the case. The money ending up getting reversed due to Wells Fargo not taking action when I told them ( on a recorded line ) that it was fraudulent. They did close my account and took action on my account ending in XXXX but NOT my checking account ending is XXXX. This would have not happened if they would have took my voiced concerns of fraud and safety when I called to tell Wells Fargo about the fraudulent check. I have received a letter from Wells Fargo denying my request for a {$2000.00} reimbursement ( see attached ) due to further investigation on a claim ( XXXX ). I have called the claims department several times to let them know that this transaction was NOT authorized. I was given a letter indicating that Wells Fargo combined all of my claims into one claim. There was a reson why I submitted multiple claims. I am aware as a customer I had told Wells Fargo that I sent two XXXX  transactions as instructed but the {$2000.00} was NOT apart of the charity or donations. Again, I told Wells Fargo that several times. 
I submitted a claim in the amount of {$1700.00} that was sent to a charity due to a job offer I took. The employer was a scam, he said he would pay me if I worked for him ( which I did what I was supposed to do ) and they ended up reversing the check. 
I was told I would receive the {$2000.00} from Wells Fargo and that the CASE WAS CLOSED on XX/XX/2020. 
Why was the case reopened? I am again requesting my {$2000.00} to be reimbursed into my account. I was told several times by Wells Fargo when I tried to get it reconsidered that " since the case is closed, there are no options to edit it. '' So why does Wells Fargo get to chose when to re-open a claim? Wells Fargo should not have closed the claim if they knew they had further investigation. I also never informed Wells Fargo to consolidate my claims. The {$2000.00} was not authorized and that was for merchandise that I purchased and never received along with the {$950.00} claim ( but this was got approved. ) This makes no sense why my latest claim got approved but this one did not. Please see attached for the letter sent to me from Wells Fargo. This is unacceptable.

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 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received 6 calls a day from a blocked restricted phone number from Comenity Capital Bank. I also received numerous calls from unblocked phone numbers as well a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had my TJ Maxx credit card since 2016. I have always paid it. Over the last 4 years, Synchrony Bank ( the company over the card ) has decreased my credit limit because of their policy on random credit report checks. I haven't said anything regarding any of that over the years. Now, 2 months ago, in XXXX, I paid off the remaining balance that I owed on that card ( it wasn't past due at all ), totally approximately {$150.00}. Two days later, unknown to me, they close my account. I don't find out until mid-XXXX when I tried to use my card, assuming I had my whole balance available. I called and spoke with a representative and she said that when they checked my credit, my score was low, so they closed the account. Now, I have 2 other accounts with Synchrony bank as well, XXXX  credit card and Victoria Secret credit card. I went thru and checked the activity on those accounts and noticed that they decreased my limit on those cards. I filed a XXXX  complaint and the company said, " they reserve the right '' to do that and that they would not be seeking a resolution. My issue is this, WHY, out of 3 accounts, did they close the one that I didn't owe money on?? Why not close the other card accounts as well? And HOW is that even ethical?! When I spoke to the representative, she said the account was closed TWO DAYS after they posted my payment, paying the balance off. They claimed to have sent me a letter stating what they were doing, but I never received any such letter and have had issues receiving correspondence from that company in the past. Of course, they claim to have sent 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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXXXXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated JXXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything

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