vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Opened two no penalty CD accounts on XX/XX/XXXX with Ally Bank. Funded one with {>= $1,000,000} by having Ally transfer money from my XXXX XXXX account. After that went through, I funded the second account by requesting that Ally do another transfer on XX/XX/XXXX of {$100000.00} from XXXX XXXX. I received an email from Ally that the transfer was successful on XX/XX/XXXX. The timing is important because Ally has a 10 day best rate guarantee and their rates are going down. On XX/XX/XXXX I received an email that there was a problem with the transfer and they are sending the money back to XXXX XXXX. I called up Ally and was told that for some unknown reason the new CD was closed before it was funded so the money was being sent back. I asked to speak to a supervisor and they told me that they could open a new CD but there was no guarantee that I would receive the higher rate I was promised when I opened the CD they mistakenly closed. I asked that they have someone that could fix things call me. They said it would be days before I heard from anyone. So far I have heard from no one. So because of their error, I have lost the higher rate plus a weeks worth of interest on my {$100000.00}.

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 2020-06-29 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I am the victim of fraud. On XX/XX/2020 ; multiple fraudulent charges of {$54.00} XXXX ( Total : {$270.00} ) were made to XXXX XXXX store XXXX ( XXXX, AZ ) via my cash app. I contacted the merchant immediately on * ( XX/XX/2020 ) only to be told it was nothing he could do, and advise that I contact my card company. I contacted Cash App immediately as well on * ( XX/XX/2020 ) only to receive a generic response requesting information * ( email to merchant, police report, Internet crime report, etc. ) which I provided in several emails only to still NOT be refunded for the {$270.00} that was stolen from me, and dispute not file by cash app as requested. Cash App has compromised my account. A few months ago Cash app changed my account and routing number without my knowledge and permission. Now this has happen to me, and my money has been stolen and cash app is refusing to do anything about it. Cash app is not responding to my emails. I'm requesting to be refunded the money that was stolen from me by Cash App and XXXX XXXX store * ( XXXX XXXX. I truly believe in good faith that Cash App has compromised my account, and made fraudulent charges to XXXX XXXX via my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-29 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: PNC Bank N.A.
State: PA

Complaint narrative:
I sold a stock on XXXX for {$54.00} on XX/XX/XXXX, and my bank account was mysteriously removed from the app. XXXX reversed the transaction as a result and took my earnings from the stock, and also charged a {$9.00} fee for reversing the transaction. The app 's service used for connecting bank accounts to XXXX, known as XXXX, has not allowed me to connect my bank account to XXXX. Over the past three weeks, I have tried connecting my bank account to XXXX, but to no avail. 

I also tried to pay a friend on XXXX because he put a down payment on an XXXX  we rented for vacation. XXXX also uses XXXX to connect bank accounts. For some reason, PNC is unable to connect to XXXX as well, and I haven't been able to make transactions on XXXX during the same time frame as the encounter with XXXX. 

Today, XXXX  gave me the option to file a complaint to the CFPB, and I'm hoping this can solve the issues I've been dealing with regarding my bank account and other applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I dealt with 1 loan officer, he put a note in computer for no one else to deal with me, no other branches of the same bank. 
He said I would be able to consolidate my debt into my mortgage, and refinance because with personal loan payment it was to high. He disappeared and no longer was at the bank, they said he moved to another location. The employees at that bank refused to help me. I did not have a phone or car and then covid happened and was told to shelter in place at home. Now they are trying to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it. 

Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed. 

Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the 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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XXXX I received a U.S.Bank ReliaCard in the mail. I never requested this car, have no idea why it came to me. I called U.S. Bank who could not help saying that they were just the issuer of plastic? They gave me a number to Reliacard. I called this number and was on hold for 58 minutes when someone picked up and hung up! I called again on XXXX and was on hold for 2 hour 3 minutes when again someone picked up and hung up! I said I had contacted the company but in truth I have attempted twice to speak to someone with no result. The paperwork that came speaks to the Colorado Department of Labor. I have no dealings with the Colorado Department of Labor so have no idea if they are involved in the issuance of this card as to why. What bothers me most in reading all about this card, it states that I have an account ( do not want it )! Bottom line, I never requested this card nor did I apply for any account. I do hope you can help me with this because I can't get through to speak to anyone.

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 2020-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland Mortgage Company is charging me double the money needed for my Escrow Account. They put My family and I in a foreclosure status, base on the wrong figure. I have spoke to people in the Customer Service department, and in the Escrow department no one would help me, just giving me the runaround. I also sent them supporting documents to prove my case, they took no action.

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 2020-06-29 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: USCB Corporation
State: CA

Complaint narrative:
Last week i called USCB corporation to fix a new account put in collections in my name. I have never heard of such account. The charged was for registration fee with a local community college, years ago i have already called the local community college and they had removed the fee. However, it appears that they sold the debt or hired USCB corporation to collect the debt. Without billing me or letting me know ahead of time, this company send the amount to collections. This is inaccurate information because i had already fix this issue with the local community college years ago.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Bummed that the Experian Dispute portal is still down. I have mentioned this when I have called recently. There are many addresses that are on my report that are not being reported to Experian they are not accurate.

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 2020-06-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX  XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX SHOWS 30 PAST DUE. 
XX/XX/XXXX PLEASE REMOVE THIS ERROR XXXX XXXX XXXX XXXX DOB XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Crown Mortgage Co.
State: IL

Complaint narrative:
I tried to get a forbearance loan from my finance company Crown mortgage they keeps giving me the runaround saying I have to give them proof on why I am having financial problems doing this corona varies according to the cares act I am entitled to get a for Barents long for at least six months they refuse to give me a loan without showing my taxes my bank statements and all of that according to the cares act I do not have to show them any proof of why am having financial problems at this point of the coronavirus thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: VA

Complaint narrative:
I was pre approved by XXXX XXXX for an auto loan. It was a soft inquiry. I found a vehicle with XXXX XXXX XXXX in XXXX, VA and made them fully aware of the loan approval with XXXX XXXX. However without my knowledge, signature, or providing my SSN, XXXX did a hard inquiry on my credit. Filed 2 complaints with Equifax to no avail. Spoke with XXXX finance office representative 2 weeks ago. She was to investigate and call me back. To this date I havent received a response. 

All communications with the sales representative were done via email. A few emails between sales manger and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2020 I was notified by Wells Fargo that to continue to receive mortgage services I needed to enroll at wellsfargo.com ; my mortgage had been purchased from another bank and was part of a third-party website wellsfargo.com/XXXX  ( XXXX ). Wells Fargo was migrating my mortgage to an " in house '' mortgage and I needed to enroll with the " main '' website. 

In XX/XX/2020 I had a phone call with a Wells Fargo person who said my account was migrated and gave me a new account number. 

XX/XX/2020 I could not log in to the website. After being transferred I was told by a Wells Fargo person that I had to provide personal information to move the mortgage to the new website. I was told I needed to provide information to fulfill government requirements fighting XXXX  and money laundering which is required when opening an account. I pointed out that I was not opening an account. I was told that it was a new account for Wells Fargo. I said I should not have to provide information as the mortgage was already existing and I am not getting a new mortgage. I was told I had to provide information for the new account. 

The information was : SSN Full name Address Birthdate After I provided the information I was told " I have successfully confirmed your identity, I will send the information over, and in three business days you can go to the website and click on Enroll Now. ". 

Clearly I am not opening an account, I should not need Patriot Act information because a bank is migrating my account to a new server inside their company. 

The number I called was XXXX, then I was transferred " I'll have to transfer you to the mortgage department '' but no number was given. 

Also the person answering the phone said " there are notes on your account so that when you call you will provide this information, but not everyone knows how to enter the information, I can do that for you now. '' XXXXEDT Monday 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 2020-06-29 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: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit 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 2020-06-29 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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these 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 explanation
Consumer complaint received 2020-06-29 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: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
Derogatory info was reported to credit bureaus by Wakefield and Associates, collection agency. Wakefield never tried to contact me as the original provider didn't either regarding a bill for {$150.00}. I immediately contacted them when I discovered this. XX/XX/20 I talked to XXXX and paid the amount on the phone with MC credit card, ( confirmation # XXXX ). Received a text from my M/C confirming payment. Told I would receive a confirmation letter in XXXX days. XX/XX/20 XXXX told me letter had not been sent and she would send it. XX/XX/20 XXXX told me that the letter had been sent on XX/XX/20, but a deletion letter had not been sent to credit bureaus and he would send it. XX/XX/20 XXXX told me confirmation letter was sent to me and deletion letter sent to only one bureau because they all share info. XX/XX/20 XXXX  said they received the deletion and had applied it to my report. However, XXXX  and XXXX XXXX, have not received such info. And told me that the bureaus do not share info. My XXXX XXXX score has plummeted from XXXX to XXXX 113 points! As of today, XX/XX/20, I still have not received even a confirmation letter and 2 bureaus have not been notified. Ironically collection agencies harass people by phone endlessly yet they never contacted me by phone, I've had the same phone # for nearly 20 yrs. They just reported a delinquent account. XXXX XXXX  score is excellent and I have worked hard to maintain it. I am furious. These people seem to think this is some kind of welcome package from a spa that I haven't received. I am looking for a new place to live this month and XXXX  XXXX  score severely impacts my ability to find housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
Sent letter stating I need original contract and from original creditor and signed by both parties. Did not produce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Credit Card was in repayment plan after closed by bank, The card was current and was not late on payments when closed They have charged interest which took a long time to pay off

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