vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I used Ally bank to submit an ACH pull from XXXX XXXX in early XXXX in the amount of {$1000.00}. The money was withdrawn from XXXX XXXX on XXXX. On XXXX, Ally suspended all my external accounts and told me they were keeping the money ( XXXX transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and Ally could not help me. 


I filed all complaints and all money has been returned except XXXX XXXX. XXXX XXXX asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred XXXX, yes XXXX times between the SAME XXXX DEPARTMENTS over the course of XXXX minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested XXXX hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse. 

I have contacted Ally through phone, chat and even dealt with their executive customer support/relations team. They are not returning my call, but did admit it was their fault and they had experienced significant errors and apologized for it. XXXX from the Deposit ECR team said she would contact me on XXXX and did not do so. I left messages on XXXX and XXXX and have not been called back. 

Since this has occured, Ally has suspended all my external accounts on XXXX separate occasions. I showed proof of ownership to get them back. Then I had to call and get the rest unlocked again after they were still suspended. Now after talking with XXXX, they are all suspended again. I have no idea why and every time I talk to loss prevention department, it takes a half hour and they tell me a different story every time, even if I call the same day about the same issue. 

They have also restricted my ability to transfer money. Transfers now take longer and I can't even use XXXX. XXXX is supposed to be immediate or same day, but Ally won't deliver any XXXX money for a week because of my account suspensions -- that aren't my fault

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 2021-01-06 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was notified by my credit monitoring service that I was 30 days past due on my lease payment. The information stated that the month of XXXX was 30 days past due. When I called to ask for the removal of this derogatory information, I was told that US Bank does not remove reported information. 

I called to dispute the late payment and was told they couldn't find it in their system. I explained that I never received information that my payment was late. When I paid my lease in XXXX it was larger than usual, I assumed it was for the following month as well and I paid for both. After US Bank looked through my account, they determined that my payment wasn't made in XXXX, not XXXX. I was never notified that my payment was late. 

I have since disputed the late payment information on my XXXX report. Things have been difficult during this time of COVID-19. My mortgage has a COVID forbearance so that I could continue to pay my other bills. I would like to resolve this matter, enroll in auto-pay, and have this information removed form my credit report. US Bank was not interested in helping a reliable customer.

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 2021-01-06 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: IL

Complaint narrative:
I am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. I called Equifax ( XXXX ) on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about XXXX minutes. I called again shortly after around XXXX XXXX after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about XXXX minutes. I am still unable to login to my Credit report Account with the error message " Please call customer service ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-01-06 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX, I sent {$50.00} to each of my grandsons for their birthday from my Cash App account ( $ XXXX {$81.00} ). The funds were sent as two separate transactions to each of their Cash App accounts ( $ XXXX $ ) ( $ XXXX $ ). 

Neither grandson has received the funds, although my bank ( XXXX XXXX XXXX ) shows that each transaction for a total of {$100.00} was transferred from my checking account. The funds were sent to the Cash App account of each grandson and it appears that the funds were received by the grandsons but they did not get the money. They have been unable to receive the funds. 

I have spoken to Cash App customer service multiple times as well as attempted to file a dispute with my bank. However, neither has been able to explain what happened to the funds. My bank will not give me back my money. 

I believe that my Cash App account has been hacked by scammers and Cash App refuses to acknowledge the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX I was promised a product over the internet through XXXX XXXX for the amount of {$640.00} the person sending the product XXXX ( XXXX ) XXXX sent detailed photos of it as well, we talked for a few hours and I sent the payment over through XXXX XXXX to the account of XXXX XXXX, after asking him if he had shipped the item constantly he finally blocked my number and stopped answering my messages on the phone number XXXX ( XXXX ) XXXX, and the XXXX XXXX app, i kept messaging the person in hopes that hed respond and requested a refund on the XXXX  app I contacted Wells Fargo immediately that same night as I had just realized I had been scammed, I took 13 days for Wells Fargo to resolve my claim which ended in a denial, them claiming that it was denied because it was a authorized transaction .they did not provide a provisional credit or any support in the meantime the case was being solved, I am now lost of {$640.00} and in the process of appealing and escalating the claim through wells fargo, I just found out about the cfpb which is why I didnt reach out sooner.

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 2021-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
on XX/XX/2020, I seen and filed disputes with CCS Collections, XXXX, XXXX, and XXXX XXXX XXXX for alleged debts of ( XXXX ) that i do not owe.This is damaging my credit from getting a car and obtaining credit. I asked them for certain things showing the validity of the alleged debt and has attached copies below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In the ending months of XXXX I was having problems paying my mortgage. the bank who holds the loan is XXXX XXXX. Since i was late in payments i received a letter from XXXX XXXX stating that they were going to foreclose on the property. At the beginning of XXXX I enquired about a loan modification which they said they could do. Since we were on the verge of foreclosure I assumed that whatever they offered we had to accept. At the time of applying for the loan modification my mother ( XXXX XXXX ) had title to the house.This house is a mother/daughter type, I live on 2nd floor, mom lives on 1st. On the loan application my income was considered in calculating the monthly payments. My mother passed away 5 yrs ago ( age XXXX ) and now i am executor. By the end of XXXX the loan was finalized and on XX/XX/XXXX or around that time we went to the bank to sign the loan documents. The loan officer informed us of the amount of monthly payments and that the loan would have a 40 yr term for XXXX, which i thought was unusually long term for that amount. like i said previously, i assumed we had to take whatever they offered or they would foreclose. In my loan statements the monthly payment to the principle is less than {$100.00}. I think it is outrageous that they made us accept a 40 yr term. I'm planning on moving in a few months so refinancing is not an option, what i would like is to get credit to my loan for a good part of the interest ive been paying. attached are some documents. Contact me if you need any other 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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My latest request XX/XX/2020 for an investigation into inaccurate reporting of two account. 1. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX. 
Both of these account have inaccurate payment status reporting it says Late 120 days late when in fact that can not be possible since this account is a closed XXXX balance account. 

I have yet to get a response.

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 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Account was disputed on XX/XX/XXXX. Account has failed to be removed. Spoke with agent on XX/XX/XXXX at XXXX XXXX and was provided a fax number of XXXX to provide identity theft documents and was reassured that my dispute will be processed within one business day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My credit card account has always been up to date and in good standing. Bank of America has closed it without my consent and did not disclose why. I want my account re-opened and I do not want it to harm my credit score in the process.

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 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
this is my 2nd set of letters that i had sent to MERCHANT ADJUSTMENT SERVICE, INC concerning alleged debts of ( XXXX and XXXX ) .I sent the 1st set of letters off on XX/XX/2020, and the last on XXXX.neither letters that i have sent no one has responded and this a violation of the law.I am attaching copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ

Complaint narrative:
This debt collection company is unlawfully attempting to collect {$2.00} worth of tolls and has assessed me with a " fine '' of an additional {$100.00} for toll evasion. I did not amass these tolls. They've offered me a " hearing '' only if I pay the full {$100.00} as a " deposit ''. When advised that they do not have jurisdiction to collect for the transportation company nor assess penalties without due process, they attempted to extort me and claimed that they " will levee my bank accounts and withdraw the funds without my knowledge ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CITIBANK, N.A.
State: UT

Complaint narrative:
My credit report had dropped severely in early XXXX - I looked into it and found a credit account that had been opened that I did not open or know about. I learned it was opened in XX/XX/XXXX - an ExxnMOBIL/CBNA credit card. I reported it as fraud and it was closed in XX/XX/XXXX, but it still shows on my credit account as an account under my name that had late payments. It is still affecting my credit score.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent Experian a dispute letter on XX/XX/XXXX to delete erroneous information on my Credit report which included, employers, addresses, spouse, names. I received an email notification today XX/XX/XXXX at XXXX XXXX stating that they received my dispute request and were going to start reviewing it. At XXXX XXXX on XX/XX/XXXX I received an email from Experian that my dispute was resolved. I provided all documentation that was required to show my current address, and name. All items that were disputed were not acknowledged.

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 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I feel behind on my payments due to the COVID-19 pandemic. While waiting for unemployment insurance to kick in ( which was particularly slow in California ), I attempted to contact Ally a number of times to arrange deferred payment arrangements. I was told that the car payments were " too far behind '' and that they entire balance would have to be brought current before a deferral or arrangement could be made, which defeats the purpose for making a deferral arrangement. I was told that if I wanted to negotiate a partial payment, I would need to speak with a manager, which I requested to do. I was told there were no managers available, due to pandemic closures, but was assured by a representative that a manager would call back within 24-48 hours. I received no return call. I attempted a number of times over the following months to speak to a manager and was always assured the same thing - that a manager would call back, but they never did. 

After a few months, I received notification in the mail that I was being sued for possession of the vehicle. At this point, I ramped up my efforts to speak to someone at Ally to address this issue. I called at least a dozen times and I can provide XXXX call logs to verify this. On every single call, i was directed to a department that handles cases that have escalated to legal level. On EVERY single call, i was told the same thing - the only person who could help was a manager and they would have to call me back, as they don't take incoming calls. I requested this every time, yet never received a call back. 

Ally Financial specifically led me on to believe that I would be contacted by management to discuss options for my vehicle, while in the background, they prepared a legal case against me and submitted it to the court. Their behavior is either gross negligence of the highest order, or it was intentional, which is tantamount to fraudulent intent and fraudulent misrepresentation. I am happy to provide copies of phone billing statements if necessary.

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 2021-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Victoria 's Secret Credit Card I was charged a late payment fee of {$29.00} on XX/XX/2020. Noticed 3 days later that I was late for my payment. I emailed them right away and they answered that they could not waive the late payment. I called a day later to ask them if they would be able to waive the late payment but the representative said they would not be able to. Payment reminders for this credit card are tricky because they do not offer automatic payments or payment reminders, therefore I simply forgot to pay ( I mentioned that on the phone call as well ). 
Still they could not assist me and waive it, nor do they offer any services that will remind you to pay your bill a few days before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
They call daily and say I owe a debt, but can't exactly tell me the name of the company as they say it's been sold to them so it would be a different name. 
they called my previous employer as well. They use many different phone numbers but most say Convergent. I have paid many 3rd party debt collectors so I do not owe anyone at this time. They call non stop all day- they have also called my mother and son looking for me and saying I'm in legal trouble if I don't call back asap/ Threaten me to the point I don't answer anymore. Some numbers they call from are XXXX XXXX XXXX. They are violating so many of my rights and even calling my previous employers to let them know to reach out to me as I'm in big legal trouble. 

XXXX XXXX XXXX XXXX XXXX cell

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 2021-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have received multiple mailings ( XXXX, XXXX, XXXX ) from the XXXX XXXX XXXX out of XXXX, Ill regarding a " debt I owed to Cashnet USA. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through Cashnet USA ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.

Company response to consumer: Closed with explanation