vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Good afternoon, On the XXXX of XX/XX/2021 I made a purchase from a fraudulent website that advertised BBQ grills ( XXXX XXXX XXXX XXXX for a discounted rate during XXXX XXXX. They provided multiple avenues for payment, but I chose to use my PayPal credit account for the security purposes for {$140.00} USD. After the transaction was made, I noticed that my receipt was issued from a personal email address instead of the company advertised on the website. I immediately called XXXX and expressed that I felt it was a scam and requested for this transaction to be cancelled. I was informed that they could not cancel the transaction, however they would forward over my issue to the dispute department to rectify the situation. I was then provided credit for the transaction while the dispute department continued the investigation. On the XXXX of XXXX I discovered XXXX found this transaction in the sellers favor and informed me that I had been charged for the transaction of {$140.00} USD. I was told that the seller was able to provide a tracking number stating that merchandise had been delivered to my residence, therefore they ruled in the sellers favor. After speaking to multiple representatives on multiple occasions, I finally realized that I needed help with rectifying this issue. There were multiple red flags during this transaction that I felt XXXX should have been able to recognized to show this was a scam, and I was being honest with my dispute. I'm almost 100 percent confident that XXXX is not advocating for it's consumers as advertised. 

1. The Seller never indicated what was supposed to be delivered. The receipt states GENERAL MERCHANDISE, which is a RED FLAG. 
2. The Seller used 2 different email addresses during this transaction and dispute, when XXXX accounts are only supposed to be associated with 1 ( attached ). 
3. The fake tracking number that was provided states it was 2LBS, this was a website selling grills which would be much heavier than 2 lbs. 
4. Also, after continuously searching for help, I discovered an online thread that indicates that this is huge problem that facilitates around the way XXXX not protecting its customers. Ive attached the thread to this email. ( https : XXXX ) I am respectfully requesting your assistance in this matter. Unfortunately I have not been able received any assistance from XXXX or its representatives. 
Thank you in advance,

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 2022-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
Billing statement and the app used to make payments is deceptive. In addition the way they handle traffic tickets is deceptive as well. On the billing statement, the total amount due is mentioned several times as well as on the app. You click more details on the app and again it shows total amount due. On the lease statement upper right hand corner shows a list of all fees and in large letters at the bottom it say in bold letters TOTAL AMOUNT DUE. Same on the app. It is deceptive and if you pay that TOTAL AMOUNT DUE your going to be billed a late charge because above the TOTAL AMOUNT DUE in small print it show other fees. The page is set up for you to believe its the total of the amount due. Its not and if you dont pay the additional fees separately your fees will be deducted from the declared TOTAL AMOUNT DUE and you then your payment is reduced and you will incur a late fee and have now not made your payment on time. If in the process of your payment made date and payment process date you incurred a traffic fine which is billed to lease company they will deduct that amount from your TOTAL AMOUNT DUE without notifying you and again you will incur a late fee. Not only do you not ever see the ticket or know where and when you got it, you can not dispute it nor do you get a receipt showing you paid the fine. My attempt to discuss it with the company resulted in speaking on a scratchy line with someone I could hardly understand. On two separate calls. I found out from calling the billing department if you press the right sequence of numbers you will actually get the right TOTAL Amount due. Which is never declared on the app or statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
Im really disappointed. I already sent you few complaints about there accounts. I pulled update and you didnt take it off from my name. Im sure that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: OH

Complaint narrative:
Received a XXXX debit card from Square , IncXXXX on XX/XX/2021. Instructions with card was to activate card through their Cash App. I did not request this card. A phone number or contact information for Square , Inc. was not included in mailing. I have no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company MIDLAND FUNDING is trying to collect {$640.00} from me for a bill they claim I owe. 
I have sent a written demand that they comply with the Fair Dept Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' As of this date, they have ignored my requests for debt validation and has provided nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Went to bank of America to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX that I had committed fraud. XXXX then sided with the fraudulent bank branch and put my name in XXXX for " suspected fraud '' after I emailed them photos of paperwork from bank of America showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Debt collection company National Credit Adjusters is reporting on my credit a debt of {$850.00} for an original creditor listed as XXXX XXXX XXXX XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to National Credit Adjusters directly. I sent another letter directly to National Credit Adjusters on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
Im really disappointed. I already sent you few complaints about there accounts. I pulled update and you didnt take it off from my name. Im sure that someone have my personal 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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest Huntington Bank location XXXX The person at Huntington Bank told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. XXXX weeks later, I notice that my bank, XXXX, took the {$500.00} back out ( XX/XX/XXXX. ) I called XXXX on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from Huntington Bank stating that no error had occurred. I asked my bank, XXXX, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX. I have yet to hear back from my local PD. On XX/XX/XXXX I called XXXX again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called XXXX again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next XXXX days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from XXXX so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo processes the authorization attempt for ACH transactions but purposefully does not hold the funds or show the ACH transaction on their online banking transaction logs. This ends up overdrafting numerous accounts. 
As a former Online banking Phone banker, I tried to inform them numerous times that this seemed to be a UDAAP violation because the bank processes the request and it shows on internal records days before it gets processed and shows as a transaction on the online logs the customer can see. The managers at the bank simply dismissed the concerns, stating that I should just advise callers to keep a written record on their own to avoid fees because the online banking was just a tool and not an actual transaction log. 
This is maliciously deceptive as it leads to regular and numerous overdrafts for any customer relying on the online banking to track spending in their daily lives. Furthermore, debit card transactions show as " pending '' once the authorization request is sent to the bank until the final authorization is submitted to the bank abd finalized. This same system could easily be implemented to reflect a " pending '' ach transaction until it's finalized and approved to prevent millions of overdraft charges ( since the date is what the bank uses to determine if they will charge an OD fee and is usually retroactive ) that could easily be prevented if the banks were genuinely concerned about helping their customers like they claimed, instead of nickel and diming customers for the sake of adding millions to their bottom line. 
Internal responses make me firmly believe this behavior is deliberate and purposeful and disproportionately effects people who can not afford the predatory fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Service Finance Holdings, LLC
State: IL

Complaint narrative:
On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at 4 different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were Service, XXXX, XXXX  and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX XXXX is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2022-01-04 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: TX

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to deposit {$3000.00} in ATM, because of chase system failure, atm took my money and didn't credit my account, I filed a claim to get my money back on XX/XX/XXXX. There has been a lot of stress anxiously waiting for the money, chase back didn't credit my account until XX/XX/XXXX. I asked the bank to compensate me for 16 days of extra waiting, chase told me yesterday they don't compensate anything, is this legal not to compensate anything for their system failure and hold my money as long as they want to? 

It seems like the bank deliberately want to hold my money for XXXX business days until the last day to return the money back to me, since I received a call from chase banker on XX/XX/XXXX telling me the money was found in the ATM and he said it was going back to my account on XXXX afternoon, but I don't get the money until a week later. Chase sent me a letter later saying they failed to deposit the money on XXXX without explaining why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I did multi factor authentication and proviced the correct recipient 's phone number and Venmo still sent the wrong person my money. 
nobody at venmo has been helpful. 

I had to hunt down the person that has my money. She confirmed it was her account and then blocked me from calling her. 
Her name is XXXX XXXX and she lives in XXXX Ohio phone number XXXX If she has spend this money, i need to press charges as this is illegal. It is illegal for her to knowingly spend my money in her account as it was a venmo mishap. 

The process to request money back is tricky and we accidentally sent the wrong person more money!!!! Venmo would not help. 

Last, I'm not sure Venmo looks for people that just leave their money sitting in venmo and abandon their account or if they just end up keeping the money when people dont do what I'm doing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid off lease account number XXXX in full to purchase a XXXX XXXX XXXX on XXXX website and I faxed over mileage odometer statement. I spoke to XXXX at Hyundai Finance XXXX on XX/XX/XXXX and she told me payment was received on XX/XX/XXXX and title should be mailed out on XX/XX/XXXX. I have since been talking with XXXX  Hyundai in XXXX where I originally leased vehicle to XXXX in Finance department XXXX regarding title that was lost in XXXX and duplicate registration fees of {$260.00} that are owed to me that paperwork was never returned to DMV before she started working at Hyundai. XXXX said she submitted application for duplicate registration fees and is about to submit title paperwork.

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