vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Transaction : XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} Transaction XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} According to the written policy set by the business, the customer is NOT supposed to be charged a {$12.00} maintenance fee when the account balance is {$1500.00} or larger. 

XXXX XXXX XXXX XXXX  Regulatory Complaints Bank of America XXXX, extension : XXXX XXXX- XXXX A complaint with XXXX XXXX XXXX was filed on XXXX Business retaliated by referring me to its debt collector. The debt collector XXXX XXXX never answers his phonecalls. I am playing phone tag because the delegated rep never answers his phone during his posted business hours. 

The business assigned a rep XXXX XXXX who NEVER answers his phone during his posted hours. I am being forced to play " phone tag. '' His phone is set on " Do not disturb '' mode. I have left more than 6 voicemails and 2 emails asking the business to reverse the {$12.00} maintenance fee posted on XX/XX/2020 on my account. I do NOT know why the business rep Mr. XXXX keeps leaving voicemail when I am very busy. He just needs to look at my account and he will see the maintenance that was charged in error. My balance was over {$1500.00}. I presented the documents proving the error to the Attorney General and the XXXX XXXX XXXX Yet the business will NOT correct the error and still has Mr. XXXX leave voicemails when I am very busy. When I phone him, his phone is on DO NOT DISTURB mode. Why do I have to keep playing phone tag with the business? I am asking for assistance because I can not afford to play more phone tag with the business. 




Filed against : Bank of America Complaint Description : Business charged me fees. My balance was over {$1500.00}, which means the BOTH {$12.00} maintenance fees should have been waived. 

Your Desired Resolution : Business must refund {$12.00} to reverse the erroneous fee charged on XX/XX/2020 and stop charging maintenance fees.Business must follow its own written policies. Business needs to resolve the situation with a qualified rep who answers his phone during his working hours.

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 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The companies are reporting inaccurate information

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 2020-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The companies are reporting inaccurate information

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 2020-06-17 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:
the companies are reporting the wrong info on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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:
the companies are reporting the wrong info on my credit

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 2020-06-17 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: IL

Complaint narrative:
The companies are reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am a XXXX year old woman but I am not dead. Yet Ally Bank, citing a " public record '', gave " deceased '' and " inability to authenticate '' me as their reason for denying me access to my over {$100000.00} saving account for two months, from XX/XX/XXXX through XX/XX/2020. 

It was only after a complaint to the CFPB that Ally broke their silence to confirm that this was why they would not speak or answer correspondence. It was also only then, on XX/XX/XXXX, that they announced I could finally access my funds. 

However, this response neither fully nor altogether truthfully addresses the issue : By XX/XX/XXXX Ally had full and incontestable proof that ( 1 ) I was alive and ( 2 ) the rightful claimant to the account. 

Why did they make no attempt to correct their monstrous error? Why instead did they wrongfully persist in ignoring me, dishonoring my withdrawal instructions and violating my rights as a depositor for an additional six stressful weeks? 

By XX/XX/XXXX they had received -- a copy of my current drivers license -- a copy of my most recent electricity bill -- a copy of the CD that matured XX/XX/XXXX which provided the money that they had permitted me to transfer to my savings account -- I verbally supplied correct answers to all personal and security questions on all occasions -- They had as well my addresses, physical and email ( long established and unchanged ), my telephone number, birthdate, beneficiary name, names of linked financial institutions ( including the one that presented my withdrawal instructions ). 

At any time they could, of course, have easily asked me for additional documentation. BUT THEY DID NOT. 

Initially they may have had a " public record '' of someone's death but since they haven't disclosed any specifics despite my requests, I have no way of knowing if even that is true. Nonetheless, any such purported record would not, could not, match the facts in their own file about me -- my birthdate, address, even full name ; it could not have been anything other than plainly and irrefutably not mine and certainly not a credible excuse for questioning my existence. 

In short, once Ally knew I was not dead as well as that I obviously was the " authenic '' account holder, they no longer had any legitimate reason for continuing to deny me my rights and for failing to perform their legal duty. 

Yet that's what they did. 

My lost interest ( what I would have earned over and above what the Ally account paid ) amounts to approximately {$270.00}. Ally breached our contract as of XX/XX/XXXX when they were also warned of consequential damages but continued to disregard their duties under the UCC. I hold them as legally liable and I want to be made whole.

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 2020-06-17 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: IL

Complaint narrative:
the companies are reporting the wrong info on my credit

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 2020-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CUSTOMERS BANCORP, INC
State: GA

Complaint narrative:
I was a student at XXXX XXXX University and the school disbursed {$3700.00} to a BankMobile Vibe Checking Account for me on XX/XX/XXXX. I used those funds. XXXX XXXX University disbursed {$3700.00} to the same BankMoble Vibe Checking Account on XX/XX/XXXX. I didn't use the funds and they should have been returned to the XXXX XXXX University. I was informed the funds weren't returned to the school. I contacted BankMobile on XX/XX/XXXX to request them to return the funds since they hadn't already down so. I was informed they would need to my social security number to check the account. The representative returned the phone and informed me the account had been closed for over 7 years and that they were not required to give me any information and that any unused funds in the account would have been used for monthly bank charges. I informed the representative that the funds should have been returned to the school in XXXX and that I have a student loan ( and interest ) because those funds weren't returned to the school as requested. Later, I received a debit card in the mail stating I had opened a new checking account with BankMobile. I never requested to open another checking account with BankMobile. My purpose for contacting BankMobile was to inquire about the status of the funds and find out why they didn't return the student loan funds to XXXX XXXX University. They opened the new checking account fraudulently and erroneously. I have never used the account. It's my understanding that funds had been returned to the school in XXXX and my military benefits covered my full tuition and book fees beginning in XXXX. There was no reason for me to think the funds hand't been returned. Please help

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 2020-06-17 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: IL

Complaint narrative:
removing fraudulent info

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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: DE

Complaint narrative:
After being denied a mortgage, I checked my credit report and discovered that Commonwealth Financial Systems inaccurately reported a Medical bill to the credit bureaus. 

Against my wishes my medical provider called for an ambulance to transport me to the hospital XX/XX/XXXX, although I was capable of driving myself, I was unemployed and therefore, unable to afford health insurance, I incurred an ambulance bill in the amount of {$990.00}, which I was not able to pay. 

Commonwealth Financial Systems purchased the debt from XXXX XXXX XXXX and in XX/XX/XXXX reported it to the credit bureaus, using an account was opened date of XX/XX/XXXX, instead of XX/XX/XXXX, to have a greater negative impact to my creditworthiness. After I discovered what was done, I disputed the information as being inaccurate, Commonwealth Financial verified the information to the credit bureaus as being correct. I again disputed the information and XXXX   credit bureau responded two days later that the information provided by Commonwealth was proven to be correct. Commonwealth Financial System continually violates FCRA rules by falsely reporting debt information to the credit bureaus to intentionally cause harm to consumers. On XX/XX/XXXX, I called Commonwealth Financial System, identified myself and asked to speak with a supervisor, I gave her the correct account date and requested that they correct their errors, I was told by the same supervisor that it was legal for them to report the account opened date the way they did, I then asked her to provide me with written details of the account, showing that the was opened XX/XX/XXXX, including, letters of attempts to collect this debt and they refused, she also stated that my only remedy is to pay the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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:
removing fraudulent info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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:
removing fraudulent info

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 2020-06-17 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: TN

Complaint narrative:
Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2020-06-17 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: TN

Complaint narrative:
Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2020-06-17 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: IN

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 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: ME

Complaint narrative:
I used Xoom service on XX/XX/2020, to send {$1600.00} to the XXXX. The Xoom immediately deducted the money from my bank account and I received an email receipt confirming the payment. My Xoom account is showing that the payment is complete and given the transaction number XXXX. The Xoom hasnt deposited the money into the recipients bank account as of XX/XX/2020. 

The Xoom did promise on their website during the transaction that they will be depositing the money to the recipients bank account in less than 2 hours and there is no notice of delay mentioned anywhere on the website. It is apparent that the Xoom is  misleading the customers with their express promises which I relied on. 

The Xooms customer service via phone call has been disabled and the customer can only reach out to Xoom via their customer support form on their website and via XXXX. Since XX/XX/XXXX, I have written numerous emails ( more than 25 ) to Xoom regarding my transaction which also includes sending emails to their CEOs and on their social media messages box. As of now, the Xoom has not assigned any representative to this case and no investigation has been conducted as per my knowledge. A week ago two Xoom representatives ( reference # XXXX and XXXX ) contacted me via phone after numerous requests, and I provided them all the proof ( recipients bank statements and details ) to investigate the transaction. I also requested them to refund my money if they can not deliver it to the intended recipient in two days, NOTHING has happened yet. They both ask me to wait for 24 hours so that they can trace the money ; it has been over 17 days now, and I still did not hear back from them. 

The Xoom is neither depositing the money to the recipients account nor refunding it to me, let alone contacting me with an update or details regarding the transaction that they deducted from my bank account without providing the service. 

An hour ago, I did a test via Xoom. I sent a {$65.00} from Xoom to  the same recipient to check if there is an issue from the recipients end. To my surprise, the money was deposited to the recipients bank account in a few minutes. Therefore, it almost confirms my suspicion that there is some foul play at Xooms end. 

I am beyond frustrated with Xoom services as the recipient is facing severe financial hardship during Covid-19 after losing her job and mounting loan penalties. I cooperated with Xoom representatives and waited patiently for weeks, however, I cant just sit here without knowing what Xoom has done to my money. 

I request your kind and urgent attention to the matter and help me find a resolution. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
reporting fraudulent information

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 2020-06-17 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: IN

Complaint narrative:
Trying to invest in my future through different apps ... ( XXXX, XXXX for example ). PNC says no! For months I was connected through the XXXX  app and randomly PNC blocked it from INVESTING IN MY FUTURE! Recently downloaded the XXXX app ... no change. Thanks for keeping me safe from anyone or anything trying to fraudulently gain access to my account, but I really dont want to have to justify all my decisions each and every time I link my account. Please work to build some type of account linking protocols so I can avoid this. Thanks! P.S. Ill be leaving soon ( marriage reasons, but have enjoyed being a PNC Bank customer ). Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone from my household bought an item on XXXX with my card accidentally instead of using theirs. I filed a claim with the bank on XX/XX/XXXX and they told me that its fine and they let it go through and refunded me on XX/XX/XXXX. On XX/XX/XXXX the bank rebilled me. I tracked down the item from my household member who had left the box unopened since it was in my name. I got a return slip form the merchant and returned the item. I emailed the merchant when 2 weeks since the item was delivered had passed and asked them where my refund was. They said that they refunded me on XX/XX/XXXX and to take it up with my bank. I called my bank again on XX/XX/XXXX telling them what had happened and they asked me to upload all the documentation on an update link they had sent me which I did about half hour after I got the link. They said they would review it. Today XX/XX/XXXX I got a letter in the mail saying they denied my claim because it had been 60 days already which they had mailed out on XX/XX/XXXX. I called them to ask why send me a link to upload documents and then sent my claim on the same day not even having reviewed the documents they asked me to upload. I was on the phone with them for almost 2 hours and they denied me claim anyways. I have multiple emails from the merchant saying they refunded me and to take it up with my bank. I have the shipping confirmation that the return was dropped off and they still havent dropped the rebill. The item was {$280.00} so its a substantial amount. I now have lost about {$300.00} and I have no item since it was returned. I pay this bank {$100.00} annually so they protect my interests and they have robbed me of {$300.00}. I don't understand if they don't find it a valid claim then they could withdraw it or never accept it as a valid claim anyways. Now the merchant is been paid and they thing they refunded me when the bank is not accepting the claim. This is a complete abuse.

Company response to consumer: Closed with monetary relief