vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 my UnionBank debit card was hacked by a foreign fraud organization and an amount of {XXXX} was transferred to a XXXX XXXX via a money transfer service called XXXX. I had not authorized this transaction and just by sheer luck, happened to check my account shortly after it occurred. I immediately called the bank help line and discovered that it no longer functioned 24 hours a day, as it had before being acquired by XXXX XXXX. ( Generally, following this merger, services have suffered greatly and fees have been rampant! ) As a result, I was unable to put in a charge dispute till the following day. 

When I finally was able to open a charge dispute, I was told that there would be a 10 to 20 BUSINESS day investigation period at the end of which I would get a response via email detailing the results of their investigation. And so I waited. After a full 21 business days had elapsed without a response I called the dispute response department and was informed that no investigation had ever been opened or was lost. I was told I would have to open a new one and that I would have to wait an additional 10-20 business days for an an investigation to take place. This amounts to a dog ate my homework response, which in my experience is typical with stoned teenagers and giant fascist corporations such as XXXXXXXX XXXX ( Truth be told, I would trust a stoned teen before XXXX XXXX with my money. ) What I would love to see happen is for XXXXXXXX XXXX to be put out of business through strangling fines and draconian regulations. I realize this is unlikely. I insist, however, that you investigate this and give them some legal pain that will cost them significantly more in lawyer billable hours than the small sum that was stolen from my account as punishment for their XXXX  response to my complaint.

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 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
Company keeps calling everyday asking for a XXXX XXXX. Ive informed them it is wrong number but continue to call every day leaving harassing messages. Ive never had any loan or businesss dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
This is in response to case XXXX. 

I have requested multiple times in writing that Credit Systems Inc provide me with detailed and signed statements. Credit Systems Inc has still failed to provide a detailed statement as to what services were performed for the {$570.00} that they falsely claim that I owe. 

The CFPB website provides an easy way for Credit Systems Inc to upload the requested documentation. 

I also find it very suspicious that they claim that I owe them {$570.00} and I paid {$790.00}. 

I've attempted to contact this collection agency multiple times and they refuse to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over 7 hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over 140 points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX XXXX has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX XXXX has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: AL

Complaint narrative:
I need Help i was making a netspend account and my cat walked over my keyboard when i put social security in, the enter button was pressed and my account got locked pls help me 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 explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I disputed a charge with Ally Bank XX/XX/XXXX and the dispute was closed in the merchant favor XX/XX/XXXX. When I contacted the merchant they said that they never received XXXX because the bank have not contacted them to close the dispute. The bank did not find me nor the merchant XXXX that came out of my bank account and refused to give me information about my account. They refuse to inform XXXX that the dispute is closed. Ally refuse to let me know where the funds are and why XXXX do not have the funds. They refuse to contact XXXX to resolve this issue to clear my account with XXXX. I have many recordings of representatives hanging up on me with a supervisor calling me a XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My debit card was used in XXXX at a business called XXXX XXXX on XX/XX/1921 at XXXXXXXX XXXX. I have thorough physical evidence of XXXX plane tickets on XX/XX/XXXX going to XXXX  XXXX. I did not make nor authorize this purchase. I called my bank- America First credit union and cancelled my cards as my card was stolen and filed a dispute. My bank said they would give my money back and then did not, my account is still in the negatives. I tried calling said XXXX XXXX after receiving a letter in the mail from my bank with their information on it and received no reply. I called my bank and they said they would not do anything even tho I have proof I was not in the area and could not physically give anybody authorization to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I ordered a package XXXX which my package was stolen before I arrived home i called XXXX to dispute they request poloce report I provided that they refuse to refund my moneyXXXX  with all the information they need. 
I dispute with my credit card company they applied XXXX credit, XXXX months later they stated i lost the dispute and backcharged the amount.. i made a payment XXXX XXXX they made it hard for me to make my payment restrictions my account and loed to my face about XXXX not refunding me my money XXXXXX/XX/XXXX.called XXXX on 3wat with bank and XXXX stated they refunded the money XXXX bank is over charging me and they are not disputing or helping me in anyway they are withholding my money even after i have paid my balance in full.. i am asking for help to have this matter resolved asap within 7 days it is affecting my credit score and lively hood i cant even get approval for apartment because of the mistakes capital one made.. and they are treating me like i did something wronge by trying to lay my bill off saying fraud on my account and finding any reason to avoid giving mewhat is rightfully XXXX XXXX refunded it so why is any balance still pending on ym account going into XXXX if i was refunded..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America has rejected an incoming ACH two times after I provided the information to XXXX so they could refund a payment made in error to XXXX XXXX XXXX XXXX via online bill pay. XXXX manages XXXX XXXX XXXX XXXX Credit Card. I have now incurred two account maintenance fees because my account is below the daily minimum which would not have been the case had they not rejected the incoming wire. Why is the wire being rejected? Bank of America is well aware of this issue as I originally filed the complaint with them.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In American Express ' response to my previous CFPB complaint, CFPB Complaint ID # XXXX, the response dated XXXX XXXX, 2022, American Express writes that they have attached their .PDF file response to the CFPB Complaint Portal for review . Upon opening my complaint and reviewing their alleged resolution, the file attachment is unavailable -- it is grayed out and there is no option to download it or to view it. This is yet another example of American Express ' fraudulent, deceptive and unfair practices, and they have outright lied that they provided a response, when in fact no such response, in the form of a .PDF file, is available for my review. American Express is again engaging in unfair and deceptive practices when resolving consumer complaints, this time by either intentionally not making their resolution XXXXPDF file available for viewing ; not providing their response in another manner than a .PDF file that was not uploaded properly and made available for me to download their resolution of my CFPB complaint ; or someone at American Express is entirely incompetent and doesn't know how to properly upload documents to make certain they are available for viewing and download by the consumer. American Express has falsified and lied in their response to my CFPB Complaint ID XXXX by not providing the documentation they stated they would in order to close out my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2022 XXXX was taken from my chase business account given its a business account and I rarely log in because I didnt use the account yet but was told it was mandatory I deposited XXXX minimum. I ended up losing my wallet the week before and money was withdrawn from my account. I called to file a claim they credited me XXXX $ but shortly took the money back causing me to be XXXX and business basically failed due to this financial hardship. Idk what to do its been 1 month since the incident. The person who took my wallet returned my license but nothing else this is unfortunately the only proof I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Coinbase allows for debit and bank transfers. They have practices in place that steer you towards using your debit card to make deposits which carry a much larger fee. If you make deposits with your bank account they will hold your money for 7 days restricting you from making trades with these deposits. On the day you make the deposit the money will be debited from your account. What this practice does is deters you from using this method and using debit card deposits which are immediately available for trades. 

I have complained on many occasions and their response is they do this for security purposes. When you respond and ask what security measures they say they cant reveal these for confidentiality reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MI

Complaint narrative:
I have a chapter XXXX bankruptcy which was discharged on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy Court explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.

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 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I reported my card missing and stolen, by XX/XX/XXXX my tax refund came to my credit Karma account I still didnt receive a new card, by XX/XX/XXXX there where multiple transactions up to {$2700.00} all my tax money gone and transferred to somebody elses XXXX  XXXX, i was otp with the fraud prevention team letting them know I didnt make none of those charges and that its fraud they marked everything as fraud but wont let me dispute the charges I been trying to dispute the charges for the past 5 days and they know I didnt make the charges so I dont understand they allowed somebody to take all of my money they blocked me from calling them so I cant even get in touch with them at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.

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 2022-02-25 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: FL

Complaint narrative:
This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. Experian, XXXX, XXXX  XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.

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 2022-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I submitted a XXXX  application over 100 days ago and still have not heard ANYTHING back!

Company response to consumer: Closed with explanation