vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In the summer of 2022, TD Bank offered a bonus for opening a checking account. The requirements were to open the account online and use the code supplied. I tried to open an account online but their website would not let it go through. So I went to a bank branch to see if I could open the account there The bank rep. who helped me open the account, assured me that I could open the account and that she would put in the code and I would receive the bonus. The bonus was to be paid in 6 months. Two days later, before I had actually made a deposit I was charged for checks. I deposited {$110.00} for a {$100.00} deposit and {$12.00} to cover the cost of the checks. Two weeks later I deposited XXXX. Seven months later the bonus was not paid. I went to the bank and talked to the same rep. who had opened the account for me and she said, after looking through the paperwork and my account, that she would check into it and see why the bonus wasn't paid. I went back to the bank a week later and was told that the bonus was denied because I hadn't opened the account, online, and hadn't entered the code, online. The rep remembered me and said she would appeal because she recalled telling me that her entering the code would be enough. I went back to the bank a week later and was told that the appeal was denied because I hadn't opened the account, online, and hadn't entered the code, online. While the bank is technically correct that I did not follow their printed offer, I would think that bank employees should know when an offer is rigidly enforced and not waste customer 's time. They not only had my money for seven ( now 10 ) months but they had me pay for checks I will never use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have received several calls from IC Systems regarding a balance they claim I owe to XXXX. I have repeatedly told their office and prior collection companies that the internet service was cancelled/paid in full when I moved. I have requested validation MULTIPLE times by phone and in writing over the last 6 months. They have ignored my request and continued to report this to the credit bureau. This has caused a lot of frustration as it made my credit score drop by XXXX points and has disqualified me from being approved for a loan. This company has violated my consumer rights by failing to adhere to the FDCPA and FCRA regulations. My next step is to file a lawsuit and attorney general complaint against this company. They need to remove this erroneous tradeline from my credit report immediately.

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 2023-05-04 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: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
PennyMac Loan Services LLC reported to the three credit companies a 30 day late/ non payment for the month of XX/XX/2022. While they are in a current dispute. This reporting of a missed/ non payment was falsely reported. because the dispute was sent to and received by PennyMac Loan Services LLC long before the standard, and legal15 day late payment grace period. The dispute was sent out XX/XX/2022 certified mail and was received by PennyMac Loan Services LLC on XXXX XXXX which stop all reporting of any late or missed payments fro that month and moving forward while the dispute is ongoing. Subsequently PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX. to illegally file a Civil Complaint for a Foreclosure while still dealing with a ongoing unresolved dispute of contract. PennyMac Loan Services LLC has ruined my credit and violated the 15 day late grace rule, They also are practicing abusive and deceptive debt collection, as cited by 15 U.S, Code 1692 ( a ). Also they are in violation of 1006.18

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX I started to get unemployment. Well in XXXX bank of America froze my account which was unemployment money. Made a different excuse every day why they did and for what reason. Refused to give me my money from my account. The amount was about XXXX. Still to this day have not got my money. Or any response from them. They froze frederal money during covid and wasn't suppose to. Wrongfully used and took my money. Made excuse to close my account when they had no reason. I want to sue for, no less than 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 2023-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
While checking my consumer reports I noticed an account that has been charged off/never late. This account is being reported by XXXX XXXX XXXX XXXX XXXX This account is from an auto lease that was never late and surrendered to the dealership at the end of my lease in GOOD STANDING. I was told at the dealership, I did not owe anything on the vehicle. 

I spoke with an agent from Southeast Toyota Finance and was told, I only owed for the extra car key that was not surrendered due to it being lost. I paid {$400.00} for that item. If this account is being reported as charge off/never late. How is there a past due balance when the lease was paid in full? I made every payment on time throughout the duration of my lease. There is no contact info for this creditor therefore making it difficult for me as a consumer to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I noticed an error in my credit report. I notified the credit card company ( Citizens Bank ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). Also That an attempt to collect payment was not successful and the transaction was reversed. Therefore after being called by their collections office, that is when the payment was completed and that constitutes a late payment. ( This statement not being true ) I attempted to set up autopay that would not work and had to call Citizens to set it up because it was obvious that the website has technical issues. ( This was another technical issue besides the payment process ) According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Capital Auto Credit, LLC
State: OH

Complaint narrative:
On XX/XX/2023, I purchased a car at XXXX XXXX XXXX XXXX in XXXX Ohio. The car was financed through XXXX XXXX XXXX in XXXX Ohio. I put a {$1000.00} down payment. My first payment in the amount of {$330.00} was due XX/XX/XXXX. The car was repossessed XX/XX/XXXX. I tried to make a payment and was told that I could not by XXXX with XXXX XXXX XXXX. She told that I did not have any redemption rights. I spoke with XXXX who told me that he is a XXXX who works with the Collections Department and helps make the decision as a collective to determine if redemption rights will be given. I asked him to please see if anything could be done. he said that he would get back with me. I called back later that day & XXXX said that a note was in my file that they would reach back out but it could be a few business days. I had my XXXX  call back Monday & XXXX stated again I don't have any redemption rights and the belongings inside of my car were at the XXXX XXXX XXXX XXXX XXXX  location. XXXX XXXX told us that no notice has to be sent out, i assume somebody corrected her & because she came back & said a notice would be sent out within 5 days. We had Attorney XXXX XXXX reach out to them to regarding the Ohio revised code. XXXX again stated, we have no redemption rights. My XXXX  spoke with XXXX a XXXX who stated that XXXX did not have the Authority to make those decisions. He further stated that the loan would not be reinstated and they wanted the full amount to recover the car. My XXXX explained the my contract states I have a right to reinstate the loan as well as the Ohio revised code Section 1317.12. The ohio revised code Section 1317.12 also states that they must send me a notice within 5 days of repossessing the car, stating how much it would be to cure the default, if I choose not to cure the default, what their plans are with the car, the car must be sold at an auction and publicized in the local newspaper & sold at fair market value. XXXX simply stated he doesn't know the law and I should probably get a Lawyer if i want to do anything because calling there will not solve anything. Today I see that they have my car for sale at XXXX XXXX XXXX in XXXX Ohio for {$1000.00} less than what I paid & i still not have not received any notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX, 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 : 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Reaching the end of a 5 year auto loan, was looking to close it out back in XX/XX/2023 my total payoff amount was a little over {$8000.00} at the time, they me told I would be receiving a final payout letter within 2 days via an email and 7-10 business days via mail. A week after all the sections of my account when I logged in online were made inactive other than the payment section which had a locked payment of {$460.00} that could be made. After calling they said they were having technical difficulties with site and would be fixed by end of the day. I called in again a few days later because I received the email with the payoff amount and was told I had to wait until the site was fixed to make the final payment. By the time the site was fixed the 10 day price guarantee was removed and they said I had to wait for another quote to be given. I received that quote this monday. XXXX I went to make the payment today of the new quote amount of {$7100.00} and the told me they could only accept a payment of over {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CITIBANK, N.A.
State: LA

Complaint narrative:
This credit card was opened on XX/XX/2023 with a balance transfer option. I received the cards and activated them. On XX/XX/2023 when logging into my account online, I noticed it was flagged for fraud with a toll free number to call. When calling that number, I was able to verify my credit card number and the security question answer. When speaking to the agent, I was told I needed to be sent a verification code. Instead of sending the code to the phone number that is already registered to the account, I was asked to provide a phone number to send it to. I provided the same phone number that is registered to the account. I did not receive a verification code. When I asked if the agent sent it to the correct number, she confirmed that she did. I told her that I had not received the verification code and she asked if she could send to another number. I explained to her that I only hade one phone number registered to the account, and I thought it strange that she'd be able to send a verification code to any other number. She asked for the number anyway. I gave her my work cell phone number. After she stated she sent the verification code, I still had not received any. I was asked if I had a home phone number. I told her I did not have a home phone number. I requested she send the verification code to the email address on file since the phone verification was not working. She stated that she could not send an email verification. I was informed that the next step would be to send a letter with a confirmation code to the mailing address on file. 

I find it frustrating that their fraud verification system does everything except to verify who I am when necessary. I am being denied access to my account due to a faulty security system on their end. I have already checked with my cell phone provider. I do not have a block on two factor authentication. After ending the call, I was able to log into my Citi account online. When I clicked on My Profile, it prompted me to receive a verification code. I clicked to proceed, and that verification code came through without any issue. However, since my account is still locked due to potential fraud, that was the furthest I could go.

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 2023-05-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 : 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 2023-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have contacted the debt collector, Harris & Harris , Ltd., three ( 3 ) different times via their online portal as they ask you do to and verify the debt. They have failed to respond. I have emailed them asking them for information on my debt and, again, they failed to respond. I have no way of contacting them and they fail to respond to any messages I send. I also attempt to reach them via phone and they do not respond so I am unable to connect with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
On XX/XX/2023 at around XXXX First Franklin Financial made a call to a reference of mines ( wife ) after being asked not to call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CO

Complaint narrative:
I received a text message on XX/XX/2023 from a number with the same area code as my phone number. It stated it was from Chase : Fraud Prevention and said my card had been temporarily blocked. It had a web link of " https : //chasealertinc.com/JPmorgan.php? unlock ''. I did not click the link as I was suspicious of the text. Instead on XXXX around XXXX I logged into my Online banking account with Chase and reviewed the activity XXXX I noticed no unusual activity, and there was no indication on my online banking website that my card was blocked. I found the fraud reporting phone number on Chase 's website, and called it. I was prompted to verify the account information through an automated system. Once I was routed to a real person, I was again prompted to verify the account. The real person asked several questions that were uncomfortable for someone who suspects fraud on their account, such as giving an entire social security number. Even after the rest of the questions were answered correctly, the representative could not verify the account. She asked me for my phone number and said she would need to call me back to verify who I was. This made no sense as a verification method, since I could have given any phone number, and it is really easy to forward one phone number to another. When I raised this issue with the representative she said there was nothing else she could do without verifying my identity in this way. I then asked if there was a way for me to find the information I was looking for on Chase 's website, and she again said she could do nothing more for me. She then hung up on me. I do not live near any Chase branches, and I am not seeing any other customer service numbers for chase on their website, so I have no other way of contacting them to see if I have been the victim of fraud. Especially with one of their representatives asking for me to provide a code that it says they would never ask for ( 2 step verification processes ). How can consumers protect themselves from fraud when the people you are supposed to contact about potential fraud act so suspiciously?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I accidentally transferred {$25000.00} from my credit union checking account to an already funded CD account with Ally bank on XX/XX/2023. Since the CD was already funded Ally bank supposedly returned the funds back to my external credit union checking account on XX/XX/2023. I still haven't recived the funds. I have contacted Ally bank multiple times with no solution. The last time I contacted Ally, I was told that I would recive the funds by XX/XX/XXXX but still no funds were transferred to my external account. I have also contacted my credit union to see if they can trace where the funds are but all they could see is the money transfer to Ally bank.

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