vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX2023 -- As a result of a large refund made by a vendor on XX/XX/XXXX23, I requested a check be sent to me for the overage in my account ( {$1100.00} ). This was made at XXXX MST on that date. They told me they would send me a check. 

On XX/XX/XXXX23 when no check had arrived, I followed up with them at XXXX MST. I was told I hadn't waited long enough, and I would have to wait longer for the check to arrive. 

I followed up again on XXXX/XXXX/23 at XXXX MST, and said I still had not received a check and asked that it be direct deposited into my bank account that was included on my Citi account. I was told that they would do that. 

I followed up again on XXXX/XXXX/23 at XXXX MST when the promised EFT deposit never showed up. I was told that I would have to wait another 2 days for the money to show in my bank account. 

This morning, I saw that instead of issuing an EFT deposit to my bank account, they instead chose to keep the money and deposited it as a credit in my CC account. I feel I was manipulated from the very beginning so that they could retain my money and avoid sending any money I was entitled to.

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 2023-03-09 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: VA

Complaint narrative:
My wife and I have a joint checking account with Ally Bank. Recently, my wife 's debit card was used for an online purchase ( Approximately {$160.00} ) that we immediately recognized as fraud and reported to the bank. The bank is currently investigating the incident. The bank agent informed that nowadays, devices can scan debit or credit cards just by walking near the person 's wallet. My wife and I never use debit cards for transactions ; we always use credit cards for higher security. However, we are now fraud victims because of these con artists. 

Thank you

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 2023-03-09 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: MI

Complaint narrative:
My wallet was lost and chase bank told me that the charges where valid and they can not help me to contacted the merchant because my claim is denied for no exact reason I called 10times to try and get it fixed with no help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO REACH SYNCHRONY BANK AND IT IS A CONSTANT LOOP WITH NO SOLUTION. SYNCHRONY BANK HAS BEEN COMPROMISED!!! I HAVE HAD 3 CARDS IN THE LAST 7 DAYS - ALL SYNCHRONY BANK CARDS- COMPROMISED. SOMEONE HAS CHANGED THE MAILING ADDRESS & REQUESTED NEW CARDS FOR MY DICKS SCORECARD ( 3 TIMES ) ACCOUNT, TJMAXX ACCOUNT AND VENMO. I HAVE CLOSED ALL ACCOUNTS AS I NO LONGER TRUST THE SECURITY SYSTEM SYNCHRONY BANK UTILIZES.

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 2023-03-09 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: TX

Complaint narrative:
Every time I dispute information on equifax they drop my score. Disputes are not supposed to affect scores. They also do not investigate the problem when it takes 24 hrs to get a response from the company. I have had incorrect information on my report for 7 years. They also removed an account for 60 days and then put the account back with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX, I have many unauthorized transactions in my Wells Fargo account with the following merchants, XXXX XXXX, XXXX, XXXX, and XXXX. I contacted the support team, came to know these all are ACH transactions that are unauthorized. I filed a claim on the XXXX of XX/XX/2023 with Claim No XXXX, and within 4 days, when I call them to know the status, they mentioned this claim was denied, and Wells Fargo said to contact the individual merchants by myself. 

Clearly, this claim was not investigated properly by Wells Fargo Team. I can clearly see other names on a few of the transactions. I requested them to contact me directly through the phone, by the investigation officer/ Banker who did this investigation, but no use. I requested them 4 times, but every time they are saying, XXXX ( Investigation Officer ) tried to reach me but I'm unavailable, the fact is I never received any phone call from Well Fargo. At least they have to leave a voicemail if they contacted me, I have no missed calls, or voice mail left. My phone is working fine and I can receive all other Phone calls, except the Wells Fargo Investigator phone call. 

I requested more information, about the transactions How these transactions are done, or any information that will help me to talk with the merchants, but Wells Fargo didn't provide any information. Every time they are just saying, we dont have any more information regarding the transactions. Wells Fargo is not helping me in this issue. 

I Never had any accounts with these merchants, It really hard to contact them without a registered email or phone number in their respective platforms, my phone number, Email are not registered in their accounts. I tried to reach XXXX XXXX, XXXX, and XXXX. XXXX Responded and asked for information like my ID/Passport to proceed with their investigation. Other merchants are not even responding properly. 

I lost my money from my Wells Fargo checking account, The Bank is saying they cant help with this and asking me to contact the merchants. It is not the proper solution any customer expects, at least I have the right to know what happened and information regarding these transactions. Why are there other people 's names showing up on my bank statement? What investigation did Wells Fargo do in these 2 business days? 

During the transactions, I havent received any notification, email or phone call, or any information regarding these transactions. Now Wells Fargo is not helping me, I want my money back.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: OH

Complaint narrative:
This Concerns an account on my credit report form XXXX XXXX XXXX. 
The account is showing a outstanding balance of {$210.00}. This is not correct. The balance on this account is {$0.00}. I have contacted the company and they have done nothing to resolve this situation. I am filing this complaint in hopes that you can resolve this issue '

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 2023-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: GA

Complaint narrative:
I request {$300.00} of my {$350.00} limit and all repayments are showing in my account. But there seems to be a repayment for {$100.00} ( without the mandatory {$3.00} fee ) and without a tip. And no one can explain to me how or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK

Complaint narrative:
I have a account in Cathy bank ( www.cathaybank.com ), and I always logined via online bank and it worked well for years. 
There is a little bit money around more than 2000 usd in my account For whatever reason, I did not login in during the past couple of years. 

Now and I found my account is in dormant status. 
Cathy bank ever tried to reach me by my email and required me to call them. 

I already told the staff who reached me via email that it is not convenient for me to call them since i am in XXXX XXXX, because i have apply the international phonecall authorization and pay the fee. 
Unfortunately i have no time to handle it. 
The stall insisted i have to call her. 

I did not understand : I did nothing to my account, but i have to call back to cathy bank resolve the problem, which was caused by Cathybank. 
What if i can not speak XXXX and i can not reach them by phone call, What if i am XXXX Will Cathy bank take my little money away and erease my account? 

Dear Ma'am or Sir, Could you please help me to reach Cathybank and resolve my problem. 
I need this account in the coming month for my tour. 
Your immediate response is greatly appreciated. 
Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
While logged in to review my Prosper Card and loan statements and pay my bill, I was suddenly kicked off of the site. I contacted the customer service department and was told that I requested a cease and desist. I did not do this and explained this. I have received two emails stating that the issue is closed but I still can not log on and see my statements. The customer service representative is trying to tell me that I do not need to see the statements and that they will tell me of any activity and amounts due. I have advised that 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 non-monetary relief
Consumer complaint received 2023-03-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
I received an alert on my credit report statement saying I am 30 days delinquent on my account in the amount of {$590.00} from Bridgecrest car loan company so I called them about it. When I called I asked why this was being reported I was told that I had a amount pass due of {$65.00} that is why it was reported. Even though my payment are not due until the XXXX of each month and was reported on the XXXX of XXXX but did not receive alert until today about the late payment being reported. I have never be 30 days late if my payments at all and in the app it does not say I own or anything is going to be reported if I dont pay no warning was giving in anyway. I also ask why would they report it to be {$590.00} and have my credit drop over 60 points for {$65.00} and I also ask to speak with a supervisor and was told they dont have one but can put this in as escalated and transfer me to someone else and when they did XXXX said that the call was being recorded and I said they I am recording on my behalf as well and she refused and said I dont agree to being recorded and would not help me if I was recording and I can just hang up the phone so I said that I will be sue if you all do to a lie on my credit report. The {$65.00} could have been paid with the other payment that was paid on the XXXX of XXXX if it was such a big deal be I did not receive a call or notice or anything saying that I still own for the month of XXXX I that I was paid up until my next payment on the XXXX of XXXX. I would like for this to be removed off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

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 2023-03-09 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX 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 2023-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: PREFERRED CREDIT INC
State: GA

Complaint narrative:
I have a duplicate account from the same company with a different account blance but i only have one account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I asked for original information and never received any. I also told them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I have money in my escrow account at Mr Cooper they work with a company called XXXX they do all the escrow payments problem is no one can reach them by phone and only people from Mr. Cooper can type them a message and wait for a response sometimes it takes hours sometimes days they received bills for my taxes that were due on the bottom of the bills and tells you if its escrow or its non-escrow. In any case XXXX took the money out of my escrow and pay the sewer bill that I already paid because its my responsibility and not theirs. I was very disheartening to find out that weve got eight weeks to wait for them to correct the problem and put my money back in my account Ive made 15 attempts to get them to move it in faster and then Ive signed papers to try and do my own escrow myself because I never wan na deal with this again Ive always handled my own taxes and insurance without escrow. I will be sending you pictures of the Mr Cooper bill for my taxes so you can clearly see what was taken out and sedate I do not have it back in my account since mid XX/XX/2023 were in XXXX the middle of it right now. I dont want somebody holding onto my money and earning interest on it well I have to sit and wait for the end up back into my account if I wasnt on top of things Id forget about that and not go into it also XXXX XXXX app is not accurate when you go into looking at your escrow amounts and your mortgage payments its very confusing and they dont show where the money was taken out yet I got a bill that it was taken out I also have a friend that runs the tax office in XXXX CT and she asked me why I paid it twice thats what tipped to be off!! not Mr Cooper not XXXX and that strange how they werent going to tell me what they did with my account. I dont like it its unethical I dont trust them and I dont want their hands in my escrow account anymore I need help with this. Mr Cooper and employees do not seem to see the urgency and putting money back after they made a mistake and it wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
In XX/XX/2022 I experienced hardship after having XXXX that there was a person named XXXX XXXX on the title of my property and that my mortgage had increased. Contacting the servicer Flagstar bank advising them that I never consented to this agreement. They added a second mortgage to my home without my consent I am a XXXX man above XXXX who has no understanding how to use email was told that they sent a electronic signature to my email which I never seen. They have added a second mortgage and have overlooked my complaints time after time they have ignored my plea against them and the bank who illegally added another income to my account. I have written them letters each month requesting help. Asked them to cease and desist they continue to report late payments and file bankruptcy judgement.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
consumer did not have permission to violate my privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX I pulled my credit report from XXXX XXXX XXXX XXXX website. I noticed several inaccurate information reporting on my consumer report. I am aware of the FCRA state all accounts must be accurate and complete. 

Bank of America is reporting 2 accounts on my consumer report with several inaccurate information. The Date of Last Active is reporting following dates : XXXX, XXXX XXXXXX/XX/XXXX and XXXX  XXXX XXXX The Date of Last Active for the second account with Bank of America - XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX XXXX The Date of Last Active is very important because it determines when the account be removed from my consumer report. It is unfair for me to suffer for the violation that Bank of America refuses to delete the account after I sent a letter requesting for the deletion. I presented evidence for proof that the account is in violation according to FCRA. 

On XX/XX/XXXX, I mailed a certified letter XXXX XXXX XXXX XXXX XXXX. The letter was sent in reference to the inaccurate reporting of the Date of Last Active. Bank of America responded by stating the information is reporting accurate in XXXX, XXXX I received a response from Bank of America stating the information was accurate. 

XXXX, XXXX, I submitted another letter to Bank of America certified number XXXX XXXX XXXX XXXX XXXX. The letter arrived XX/XX/XXXX but I have not heard back from Bank of America as of today. As consumer I have the right to dispute any inaccurate information on my consumer report. Bank of America has ignore my request for deletion b On 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