vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I had more than enough money in my Ally bank account, and I made a purchase for about {$4300.00}. I believe it was on XX/XX/XXXX, or possibly XXXX, but can't know for sure because I have been completely blocked from signing in and accessing my account. 

Then a day later, Ally bank told me that I overdrafted my account by {$4300.00}, which I don't even understand how is possible, because normally, if I try to make a purchase that large and don't have the money in my checking account, the purchase would be declined. I also have a screenshot of the available amount of money that was in my account when I made the purchase. 

Now the bank has locked both my checking and savings account indefinitely, will not give me access to any of my money, and will not give me a time frame as to when it will be resolved. They just keep sending me emails telling me that I overdrafted and that I owe them the money and that they will file a report with various credit bureaus if I don't pay. I called to ask them about this and they just said to ignore it, as it was an automated email. 

I told the bank that the vendor must have charged me twice, and that I'd like to dispute it, which they agreed to, but they still have my account locked. It's now been 3 days, and I have no acces to my new deposits or my funds that were already in my account. My credit card payments have already started to be rejected because they can not take money from my frozen Ally bank account. 

In the past, when I have disputed a transaction with different banks, the transaction is immediately reversed and I am credited with the amount while the investigation is conducted. 

But this time, Ally just locked me out of all of my accounts, and I have no access to my money while I am currently overseas.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charges me fees on my acct I had a checking acct with them sometime between XXXX and I have not received payment from them like everyone else has

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 2023-12-01 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I demand the reinvestigation of my XXXX, XXXX XXXX XXXX charged off transactions and I demand that you exclude all of the following transactions from my consumer report! According to 15 USC 1681 i7 Description of Reinvestigation Procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I want to know the method used to verify my previous complaints of multiple violations! Who did you speak with pertaining to the inaccurate transaction amounts being reported? How was it verified that it was ok for a charged off ( dead /dormant ) transactions amount to continuously change on a monthly basis for the last 5 years on a consumer report as accurate? What was the position of the person whom you spoke with? How long was the conversations? What was the actual date and time of the investigation? Did you investigate with the IRS that these charge off transactions had already been filled on their taxes as previously stated? Did you investigate that the IRS considers charge offs as 1099c and as gross/ordinary income? Gross/ordinary income does not report on the consumer report, so why are these XXXX  charge offs being furnished as debt on my consumer report, now these become inaccurate under 15 USC 1681EB Maximum Accuracy Shall Be Reported, did you investigate this part of my dispute? Did you look at the proof I had previously uploaded with all the violations and inaccuracies I will be suing for violations of 15 USC 1681n Civil Liability for Willful Noncompliance. 
I DEMAND that you immediately exclude the following transactions from my consumer report according to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions- a consumer report does not include ( A ) ( i ) transactions or experiences between the consumer and the person making the 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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO acquired my Boat loan from Bank of the West. My payment with Bank of the West was set up on auto-pay. When the account was transferred, BMO indicated that I had to RE-ACCOMPLISH my auto-pay, which I did. Since that time, BMO has auto-drafted my checking account TWICE each month. I have called and explained the issue to no avail despite assurances that the problem has been rectified. My checking account has gone into overdraft TWICE now as a result. This has cost me {$70.00} in overdraft fees and has completely disrupted my finances. 

I am a XXXX XXXX XXXXXXXX veteran on a fixed income. I have managed my finances without issue for more than 50 years. BMO is unresponsive and nearly impossible to communicate effectively with.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am an Ally Bank customer and I have used Ally to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using Bill Pay Function. I need to get the information and payment information for all payments made to the above two parties over the past 4 years. I have called Ally Bank and they have indicated they can not help. I therefore have contacted the CFPB. Also wires were used to make the payment.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I can if necessary, draw up all the negative accounts from my Equifax credit report with account numbers and have them removed asap and I would like to file a complaint against them as well. Thank you in advance...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
The last time I called Chase about my attempted transfer of funds, the new reason given for the blockage was that the receiving bank was blocking the transfer. The receiving bank which answered quickly to the phone and checked me also in a suitable manner denied that they were the cause. This bank could not find the transfer attempt.

I am again back at the beginning of the transfer process because of not having the external account registered on my Chase account even if some of the first transfers were successful.

I have spent hours with Chase going through department after department and receiving vain promises from their personnel.

What is going on with this bank that they try to kidnap our savings?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and I am writing to file a complaint regarding unauthorized transactions on my Wells Fargo Bank account. Despite my efforts to address this issue directly with Wells Fargo, my claim has been denied, and I have encountered difficulties in resolving the matter. 

I have identified numerous unauthorized transactions on my account, specifically from two merchants, XXXX XXXX and XXXX XXXX. These transactions were not initiated or authorized by me, and I have made several attempts to rectify this situation through Wells Fargo 's dispute resolution process. 

On XXXX of XXXX, I initially filed a dispute for all the transactions in the account ending in XXXX, with claim no XXXX. 

Despite providing all necessary documentation and information to support my claim, Wells Fargo has denied my request for reimbursement or investigation into these transactions. This denial has caused financial distress and significant inconvenience. 

I tried calling them several times to find out the reason for this denial. In one scenario, an executive mentioned that they are filing the dispute again and they will resubmit the claim, the very next day another executive from the fraud department mentioned they can not file a second claim on transactions. Then who is saying correct. I Strongly believe they didnt even do a proper investigation. They can listen to the recordings because every call is being recorded on their end. 

I hereby request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that proper action is taken to resolve the unauthorized transactions on my account. 

I am seeking a swift and fair resolution to this issue and request your assistance in compelling Wells Fargo to investigate these unauthorized transactions promptly. 
Thank you for your attention to this matter. I look forward to your prompt action in resolving this dispute. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
They're not willing to take the PMI off of my mortgage when the mortgage exceed the amount of the house when I can have it taken off by law as making it very hard for me to make payments and eat food to feed my children this is difficult I don't need the PMI I told them I read things online where I can have it taken off by law and they won't take it off this is hard I'm not able to to feed my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts my credit reports. And also the name which they are reporting under that Equifax continues to somehow " verify '' which is fraudulent ... " XXXX XXXX XXXX '' is not my name and any account opened under this name should be considered fraudulent and deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
A charge of {$490.00} was taken out of my account from an online cybersecurity school ironically! I didn't even know what this was until it showed u on my banking account! I called my back as soon as it was on there to see if they could stop the transaction they were like no it's pending what?? Never got a fraud notice from the back because of a large abound which they definitely should have and I even have an alert for anything over XXXX to text me nope didn't get anything from them. I called the online school which sounds shady because I have called twice and both times I have gotten XXXX is the persons name said he put the note to his boss! The online school is XXXX just want my money back! Plus o told the gentleman from the bank do not charge me an overdraft fee because my account is low and they did! The bank investigation came up with I was browsing on my phones d must have signed u for it that way! Never saw the online school ever! I need my money I can't even get back to my job because I don't have gas money and during 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 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: TX

Complaint narrative:
We bought our first house on XX/XX/XXXX. After our first mortgage payment was made, our mortgage was sold to Panorama Mortgage Group. The first payment I made with them went through their office in XXXX XXXX and the second payment went through their office in Arizona. I have uploaded proof of payment, my bank statements from XXXX, that shows the payment being made to their portal 5 times. I have also talked to XXXX different people that said that the problem will be taken care of and not to worry. The problem is that we keep getting harassed to make a payment that has already been made. The first mortgage payment to Panorama Mortgage Group was made on XXXX. The other XXXX payments were made on XXXX and XXXX. Since XX/XX/XXXX, I have XXXX missed phone calls and called Panorama Mortgage Group 9 times to fix this matter with no resolution. This has now been going on for XXXX weeks and I'm afraid that they are going to put a late payment on our credit and hurt our chances to refinance the house, or cost us more money on other things that require credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Triton Recovery Group
State: MD

Complaint narrative:
Triton Revovery XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX uses unethical and predatory practices. I engaged a lawyer in XXXX to work with them for a settlement. They did not respond to any of their correspondences and continued to harrass me and family with aggressive and disrespectful phone calls. Approximately 2.5 weeks ago ( XX/XX/XXXX ) they then put a lien on all of my payment processing acounts. My lawyer was able to get them to an agreement that was signed by both parties on XX/XX/XXXX. Their agreed upon payment was sent on XX/XX/XXXX and the terms of the agreement were to release the liens. They confirmed they released the lien but on XX/XX/XXXX they sent one of the payment processors a request to send them {$6000.00} which they complied and they still are holding another XXXX with the other payment processor stating they are requesting {$8900.00} of that. Which is now a breach of contract on their end. My lawyers have been trying to get them to release the liens all week and it appears at this point they're being deceptive in their tactics. As of XXXX they are still holding approximately XXXX with the payment processors that well exceeds the agreed upon amount. At this point it has created a financial strain resulting in me not being able to make payroll today in addition to outstanding expenses from 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 2023-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I received 2 Amex Gift Cards from my company for {$100.00} each. Neither of them will work at any online website ( I tried XXXX, XXXX, XXXX, XXXX, XXXX to name some ), and all were declined on XX/XX/. 
I verified on XXXX and confirmed the cards have been activated and only have a XXXX hold from XXXX. 
I have received Amex gift cards for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. 
I was on hold with customer service for over 3 hours ( XX/XX/ ) only to be disconnected when the CS agent answered. 
I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$200.00} in money I can't use.

Company response to consumer: Closed with monetary relief