vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Back in XXXX of XXXX, I had some work done on my furnace. Through a company named XXXX XXXX XXXX XXXX XXXX XXXX. The work was completed to my satisfaction, and they also offered zero Finance promotional credit which I took advantage of. This promotional credit was through Ally Lending FDIC Cert # XXXX. If I paid the balance off within a year, there wouldnt be any interest add it to my account. I paid off the loan in 10 months on XX/XX/XXXX. Per their instructions, I set up an automatic payment of {$350.00} every month. In XX/XX/XXXX the last payment should have only been {$310.00}, but they took the full amount to {$350.00}. I reached out to their client service department, and they told me I had to wait two weeks to file a complaint for the overpayment. I felt that that was unacceptable and let them know that. I waited until XX/XX/XXXX, and filed a complaint, I was hoping that this would be resolved in a timely manner. It's now over a month and I still have not received a refund for the overpayment that they took an error. Ally lending employee customer service basically gave me the run around couldn't give me a date of when this is going to happen and said that they had nothing they could do at this time. The representative also said it's just {$40.00} why you are making a big deal about it. All along the way, these this company 's employees have been rude and unhelpful. I would like to file a complaint against Ally lending for failing to return the overpayment in a timely manner. 

Contact information : XXXX XXXX XXXX XXXX XXXX XXXX Unit P XXXX XXXX, XXXX  XXXX Ally Landing Account Number XXXX XXXX XXXX XXXX Last 4 digits of my Social Security Number 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 explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DOXXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$120.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$870.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$250.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-02-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$250.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My card started being declined XX/XX/XXXX. The company promised the transition would not affect my using my credit card. They have a six hour wait to get customer service. On the rare occasion that you get the option to get a call back they call you back at XXXX in the morning or the person doesnt know whats going on and you eventually get disconnected. It was a XXXX XXXX XXXX card its now the Goldman Sachs Marcus card. their website does not work and I can find no information about benefits and costs of this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: Capio Partners, LLC
State: KY

Complaint narrative:
I have a duplicate debt reported on my credit report. It has already been reported on my credit report, and this new collection company, keeps reporting the same debt thats already on my credit report. Same debt, just a different collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I deposited check on XX/XX/22 with teller in pnc branch and it was posted after few days. After three weeks as I tried to withdraw the fund from branch. Teller told me check is on hold. After that I called customer service spoke to the agent for two hours. Two hours later I was told everything has been sorted and funds are Available in my accounts to withdraw. After the agent hanged up. I got notifications that my balance is low. As I logged to the account. I see the entire amount of the check is missing and I called pnc again. Now pnc says they dont know what happened to the fund. They kept me on hold for 1 hour for supervisor but no one came to address the problem. I like to know where is my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2022, I spoke to my bank Wells Fargo and the agent I spoke to is XXXX regarding constantly overdrawing my account, during our conversation, the agent said the reasons for my account being constantly overdrawn is because of re-occurring payment and I told her to disable all re-occurring payments of which she said she did and instead of giving the full overdraft credit, I was given a partial credit. I also turn off my debit card and only turn it on when I need to make a transaction to be able to keep track of all transaction going in and out of the account prevent my account from being overdrawn. However, on XX/XX/2022, the bank decided to authorize another transaction on the account in spite of me telling them not to, this time they said it was an ACH debit, and in the past, most ACH debit that has occurred on my account come out as a check and when I ask the last Agent I spoke with about the check number, I was told that because it was an ACH that there is no check number, but every other ACH debit I have on the account has had a check number but this particular transaction {$24.00} has none, and I was charged {$35.00} for overdraft even when I have repeated told them not to authorize any transaction from my account when there is no 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 explanation
Consumer complaint received 2022-02-23 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: Synovus Bank
State: TX

Complaint narrative:
I was victim of unauthorized charges on my account which lead to late charges on my account. After being notified that i had a late charge i reached out to first progress. They started an investigation and found the charges were fraudulent and refunded my account. As a result of the fraudulent charges my account was reported late to the credit bureau. This information is inaccurate and they wont do anything to fix it. I've already reached out to them and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Unauthorized fraud charge on my credit card in the amount of {$3000.00} by XXXX XXXX XXXX. Chase. Chase has been notified with proof of fraud charge but refuses to investigate and correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply in this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I choose to send payments to XXXX XXXX ( TD XXXX XXXX XXXX  ) that I initiate through my bank ; I refuse to let banks that I have no relationship with grab money directly out of my checking account at their own initiative. I instruct my bank to send payments to TD XXXX XXXX XXXX 3 to 4 days before the account due date since TD XXXX XXXX XXXX will not accept ACH payments initiated from another bank and requires payments to be sent by check through the mail if I do not allow them to enter my bank account on their own initiative and grab money directly from my bank. For the last 2 payments, although the paper check was mailed 10 days in advance of the due date ( 7 days normal mailing time + 3 days early ), TD XXXX XXXX XXXX claims that they are receiving the paper check 2 days after the due date and subsequently charging me a late fee. Since I have to deal with paper checks to make payments to XXXX XXXX and I instruct my bank to mail the payment check so that is is received on the due date ( not early ) and XXXX has not tried to claim that they are receiving checks late ( thereby charging a late fee ), I know that TD XXXX XXXX XXXX is intentionally holding back receipt of the paper check in an effort to collect a late fee. 

My bank has already processed my XX/XX/2022 payment to get to TD Bank 4 calendar days before the due date so I can not request it be mailed earlier. I want TD Bank to acknowledge the XXXX payment when they receive it in their mail and not a week later when they get around to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
I received a call asking me to tell them personally identifiable information. I asked them who they were and what they were calling about. She said she could not tell me without me giving her my address and other information. She told me she was " Office of Credit Management ''. I told her I do not have any awareness of that entity and I couldn't give her any information unless she informed me what she was talking about. She refused. I told her the conversation couldn't continue unless she told me more about what she was calling about. This loop continued a few times. She muttered something about mail and said goodbye.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On XX/XX/XXXX or XXXX someone used my information to apply credit for a car loan and was not authorized.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NE

Complaint narrative:
I have never had phone service in my name. Ever. I was only XXXX when this was opened. In Nebraska you have to be XXXX to have a contract. I couldnt have done it if I wanted to anyway. 
The original account was opened in 2018. The amount due is {$1600.00}. Original creditor is XXXX XXXX. Collections company is Jefferson capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: AZ

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent out a dispute letter in XXXX, 2021 and have not heard any correspondence within the proper timeframe and has been well over 30 days.

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 2022-02-23 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: PA

Complaint narrative:
The date aren't correct at all false document, this was delete off my credit report really don't know why they put in back on 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I have made nearly {$7000.00} in voluntary payments to the Apple Card with an {$1800.00} credit limit in the past month alone. I have never missed a payment due. 

Two of my payments failed, which I immediately rectified. The money was removed from my bank account, however, my available credit is entirely on hold, despite the payments being voluntary. I have been repeatedly told that they need additional time to clear the payments, due to the failed transaction, however initially they told me it was because I switched payment accounts. 

I have been repeatedly misled by Goldman Sachs in this endeavor.

Also, they have repeatedly suggested that I should have used Apple Cash instead, as it can be verified faster.

I am of the belief that I am being manipulated into utilizing their preferred service in the interest of their partnership with Apple, over my bank account. I have been repeatedly told that my payments can not be cleared, despite them having cleared multiple payments for me instantly in the past. 

They reference repeatedly that this is due to their System placing my payments on hold. Apparently they have no control over this System which is the vague arbiter of my money being cleared. Suddenly there is nothing they can do. 

I have been declined since this event in many embarrassing situations, despite my balance showing as zero. I tried to buy my son ice cream, it was declined, I had multiple services connected to this card, those have all been declined, and continue to be. My XXXX account for charging my car was declined, I was stranded in a snowstorm at the charging station and had to change my payment account from the Apple Card which took hours, as the roads got worse and worse. 

They still have my money hostage. I have been told repeatedly to keep making my payments on time by the Apple Card team at Goldman Sachs. When I have never missed a payment. 

They said they have escalated my case to Senior Management which I have yet to hear from. I feel quite helpless as a consumer in this situation. My money is gone from my account, and my balance shows as zero, but also my available credit is zero. They have a different explanation every time for why this is happening. I am confused and feel quite misled.

Company response to consumer: Closed with explanation