vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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/2022 I attempted to make a {$1000.00} withdrawal from my Ally checking account using a XXXX XXXX XXXX XXXX ATM. 

The transaction was cancelled at the terminal and no funds were disbursed. 

Nonetheless, Ally Bank debited my account for the funds. 

It has been XXXX days since the error occurred and Ally refuses to return the funds to me claiming, instead, that it will take them XXXX business days to review the dispute and another XXXX business days to disburse funds assuming they decide in my favor. 

With weekends and holidays included I am apparently expected to pay my bills with Ally Banks assurances that it will only take them a month to return funds that are rightfully mine to my account. 

No doubt my landlord will be delighted to hear this news and I can only imagine the ease with which I'll be able to purchase groceries or pay for my car using their dispute policy as collateral.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has been reporting credit card ending in XXXX to XXXX, XXXX, XXXX, and XXXX without notifying them of disputes I submitted on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
Prestige financial charged off my auto loan XX/XX/XXXX XXXX XXXXor the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in XXXX This horrible company is going against the loan contract and I think law as far as what they can continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX financial charged off my auto loan XX/XX/2020 for the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in 2020. This horrible company is going against the loan contract and I think law as far as what they can continue to 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 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which PRA lack sufficient evidence to properly obtain default judgments. 

In so doing, PRA violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After recently opening a checking and savings with Bank of America, I deposited a questionable cashier 's check via mobile depositing within the Bank of America Online Banking App. Was instructed to retain original check in hand should I require to reference it or need it for whatever reason in the near future in order to verify funds, if needed. The cashier 's check was deemed a counterfeit cashier 's check and the check amount placed on a hold inn order to verify lines of accounting and legitimacy of such transaction. Bank of America, without any hesitation nor any notification method in an effort to alert me with the changes or circumstances within my personal accounts with them- which are now closed and have to await a few weeks for a corporate postal check to be mailed.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to get this fraudulent information deleted from my Equifax report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have been trying to get this fraudulent information deleted from my XXXX report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
New inquiry on credit report from TD Bank, new account taken under my name fraudulently. I reported the issue/fraudulent action to TD Bank and they advise to follow a victim of identity deft through FTC. This is the seventh time a scammer is trying to use my personal information to apply for service fraudulently under my name. I keep reporting the fraudulent action to the companies, but it doesnt stop. Please help remove this inquiries from my information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This company is keeping trying to contact me to collect money from me for something that doesnt belong to me. I asked them to sent me a proof of a signed agreement or letter or any bill I owe but the refuse. I asked them to stop calling me but theyre keeping calling me. Please I need 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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/22, all day long up to midnight, my account showed a positive balance. My husband went and made a purchase that reduced my account to {$1.00}, but still positive. I watched it all day to make sure nothing was pending because I knew I'd be getting paid that night. 
I got paid at XXXXam that night ( so XX/XX/22 ). Suddenly, I have two bounced checks for insufficient funds and numerous charges and fees. None of these items came in UNTIL my paycheck hit, and then they tried to say they had posted the XXXX and that I'd had insufficient funds. If that were the case, I'd have moved some money over from my Merrill XXXX account if anything was showing pending. But nothing ever showed pending or attempted charges. I even have an email from them dated and timed for XX/XX/22 at XXXX. It says that I have a LOW balance. Low. Not that I had things pending, insufficient funds, or that I was negative. So basically they just acted like these things had been posted a day earlier than they really were just so they could screw me out of money.

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 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which XXXX lack sufficient evidence to properly obtain default judgments. 

In so doing, XXXX violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
I started a dispute with my crypto.com card company on XX/XX/2021, and they ard still not telling me amything other than when they have an update it will know, but I've been trying to get an answer to my question I don't necessarily need or want am update ivd bern trying to find our way I wasnt given provisional credit as it states on this conpanys card holder agreement handbook that I recieved upon setting up and account with crypto crypto.com that I should BS provisionally credits XXXX businsss dAys after dispute is made and they have XXXX extra days in certain situations to add provisional credit to an account in the case that they nees more time or decide to investigate fire her taking longer.i have not Ben offered, given, or even answered about provisional credit in any shape or form by company and at this point I feel Ignored and that they don't cars about my situation degrading this card and I feel very mistreated and disrespected they sont understand that I havd been stolen from and im already upset angry an broke and that they are the ones the only ones that can help me clear up the situation I cant do it myself I cant ask then inveTigTion team a question or i would do it myself and they just keep giving me. Ridiculous response that in no way even almost answers my question but it been well past the 10 or even 15 business days timeframe please help me even if to only get a response that would ease my anxiety a littke I just wanted my money back and to know what happend that would help tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Someone was able to access my bank account and take out close to {$10000.00}. All Im getting from the bank is the runaround and they do not seem like theyre going to do anything in reference to returning my money back to my account. From what Ive learned so far someone walked into a branch and was able to get {$4700.00} and then immediately come back into the same branch and take out {$4900.00}. I dont know what kind of proof they would have shown to take money directly out of my account via going into a bank branch. When I only want to take out a couple of hundred dollars I have to show to pieces of identification. I keep talking to different people in different jobs at the bank and Ive been lied to about the process and they still act as if this is not a hardship to me. They have closed out an account that Ive had for years and with this new account Im not able to use my brand new checks that I paid {$200.00} for because now that account is closed I had a lot of merchants that I do auto pay with I had to try and contact everyone to straighten all this out it has really been a mess. But my biggest concern is retrieving my money and holding the bank accountable. I dont know how something like this can happen its not like it was done online someone came in to the bank to take this money. At this point Im not sure that the teller these people went to was not in on this fraud. Please help me if you can This financial institution is Wells Fargo Thank you, 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 monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The credit card on the account is a XXXX XXXX account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Union Credit Corporation
State: GA

Complaint narrative:
THIS account IS in violation of my hippa rights. i have contacted this company with no success in legally validating these debts. i would like these accounts removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The credit card on the account is a capital one account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We had an annual fee charged on a capital one credit card that we never use. We were not notified of the balance. There was no calls or mail. When we called capital one they refused to help. We paid the balance in full including late fees. When I asked customer service if anything was sent to us he said there were emails sent. We have no record of that. We have an outstanding payment history and feel this should be removed due to lack of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We exit the XXXX XXXX XXXX program in XX/XX/XXXX and have still not been unable to receive our final loan documents from aour approval on XX/XX/XXXX for the loan combo motification that we accepted. 

We have called multiple times and was assured that our denial of the loan modification that was approved on XX/XX/XXXX was accepted and that our acceptance of the XX/XX/XXXX loan combo was accepted and that we would be receiving those final documents in a few weeks. 

However on XX/XX/XXXX we received the same final documents from the XX/XX/XXXX loan motification which twe declined and we are still waiting for the correct loan documents to be sent out to us with a mortgage payment of XXXX in which we did accept this agreement. We told by several of customer care personnel to start making this new mortgage payment amount starting XX/XX/XXXX and that we will be receiving the new documents with in a few weeks. 

Each time we called we are told that the new documents will be sent out to us and we are still waiting for these documents since XXXX. Also, we were told numberous times that this have been escluated to a supervisor/management and to the underwriters We would just like to resolve this so that our mortgage will be back on track and we can move on with our lives

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
My account was closed without explanation on XX/XX/2022. It seems to have been strategically timed to have happen directly after my ACH direct deposit of {$1500.00} was issued, and before it was posted to the account. I attempted to call support and got a recording saying that because my account is closed, that they are unable to speak with me over the phone. I then emailed support asking for an explanation, as well a how to retrieve the funds from my deposit. I was given a generic answer telling me to refer to the account agreement, with no mention at all of what happened to my deposit, nor how to retrieve the funds. I sent out XXXX more emails on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response.

Company response to consumer: Closed with explanation