vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
Ally Bank did not protect me fraud. 
My friend 's financial advisors instagram was hacked and they tricked my friend into thinking her XXXX app had more money in it do to an investment. The hackers pretending to be her financial advisor then asked her to make a video of how amazing she is as a financial advisor. Immediately after my friend posted the video the hackers took over her account. The hackers took advantage of the the conversations they now had access too and many of us sent the money via XXXX. 
I contacted Ally Bank, as soon as, I found out assured me it would be okay. They told me it would take up to 10 business days, provisionary credit of {$2000.00} back into my account and told me to wait. I expressed I was concerned over the wait period because of the fraud situation and they assured me this is the process and I shouldn't worry. 

After no commutation for a couple weeks {$2000.00} was withdrawn from my savings account. I called immediately and was passed from person to person for about two hours. The notification was in a " Notices '' tab in an odd spot under my profile and settings tab, would have never known to check their if they didn't tell me. 

The notice stated " The disputed transaction was completed with a merchant with whom you have an established relationship. '' The reps on the phone said this was because I made the transaction on the app that I had made many transactions from. This makes no sense and the broad statement of the notice does not align with the issue of fraud. 

I was met with vague answers on why this conclusion was reached, that there is nothing more they can do once the conclusion is reached. 

The forms they sent me to fill out did not align with my situation. I tried to express this to customer service reps multiple times. When the disputes rep called me I felt like she was confused and not fully listening to my statement. She kept asking me who I wanted to send money to, I kept responding that it was fraud. The notes kept on my claim were not accurate. The last rep I spoke with told me what was relayed on to XXXX as the issue, I said that was inaccurate and he said " they got the general gist. '' Three different customer service reps were confused my the comments being kept and even said the forms and their process is not equipped to handle fraud situations like mine. 

This is simply unacceptable. It is not Ally Bank 's fault I was a victim of fraud, however it is their job to protect their customers and to handle claims of fraud seriously and accurately.

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from XXXX XXXX fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX PM Free Msg-XXXX XXXX XXXX Fraud Alert-Did You AttempXXXX To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is XXXX XXXX customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with XXXX XXXX XXXX XXXX on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX PM TD Bank XXXX WON'T CALL for this XXXX code, Enter : 635606. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back XXXX XXXX at XXXX and filed XXXX fraud claims realizing I had been scammed. XXXX XXXX has since denied my claims. Since TD Bank was the receiving financial institution I have to file with them. However since I do not bank with TD bank they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
This is an account in litigation due to deception and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We kindly requested MANY TIMES to update my negative credit reporting to the agencies. 
XX/XX/XXXX And XX/XX/XXXX XXXX can attached the bank statements where the payments were made on time! 
During this PANDEMIC PERIOD I tried to explain my hardship situation to the different SPS customer services agents and different letters I sent and Only received the notification of received general acknowledgments From XXXX XXXX, and XXXX Beside that I paid the amounts to qualify for the deferral agreement which was signed until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: LEXISNEXIS
State: TX

Complaint narrative:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report involving Lexis Nexis. It has been over 30 days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my lexis nexis/credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My name is XXXX XXXX. Chase bank has been holding my funds from a deposited check for almost XXXX business days. I deposited the check on XX/XX/XXXX. They informed me the funds will be available on XX/XX/XXXX. That is an unreasonable amount of time. I called the company, and they redirected XXXX times for a total of XXXX hours. I still have yet to receive a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 XXXX transactions of {$1600.00} ( XXXX XXXX XXXX XXXX XXXX  XXXX ) and {$890.00} ( company name XXXX XXXX XXXX : XXXX XXXX ) where done in our account in Bank of America, we call the bank immediately because we didn't approve them. We file a complaint because they took our money even though it was not approved by us. They sent us an email saying they received the forms with the complaint. Case Number : XXXX and XXXX On XX/XX/2021 a new transaction not approved by us was made by the same company of $ XXXX.And a new investigation was open with the bank. Even tough we don't know this company or approve any transaction with them. 
Today XX/XX/2021 we are checking the status of this dispute with the bank and they are saying it was closed because it was too late and it was more than 60 days. And when we called the first time in XXXX, they said we had to wait 90 days for an investigation to happen. 
We are not getting anywhere with them. We need our money bank that's it. 
We also went to the bank personally and no manager to give us an answer.

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent money to a friend XX/XX/XXXX on venmo to pay rent to the tune of {$2000.00}. My friend never received the money and she showed me proof. All of a sudden they closed her account and closed mine. I disputed with my bank to get my money bank XX/XX/XXXX. They denied the dispute claiming they had refunded my money. I didnt receive a refund from my bank or venmo. My XXXX $ is still missing and venmo is giving me all type of excuse regarding chargeback etc I feel like this is a ploy to just take my money. They keep talking about a negative balance on my account that shouldnt exists and I wish I could see it myself to know whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a loan check in my account via ATM on XXXX XX/XX/XXXX and the next day they restricted my account and then after several attempts to contact them, chase bank told me they were closing my account and ending our relationship. Now all my money is unavailable until they close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letterhead and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to XXXX and the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had an account with SYNCB/SAMS credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to XXXX credit for the XXXX time on XXXX XXXX, 2021 and they failed to correct the account after months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They also have sent me the exact same letter numerous times requesting the EXACT same information. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently and inaccurately and it is damaging my credit scores. Each credit bureau reports this account differently. I found the FCRA 's XXXX XXXX XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. SYNCB/SAMS credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the 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 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
THE COMPANY, PORTFOLIO RECOVERY ASSOC, PURCHASED AN ALLEGED DEBT FROM ANOTHER COMPANY WHERAS I HAD NO INVOLVEMENT IN THAT TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME IS NOT ME BUT ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX XXXX. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH PORTFOLIO RECOVERY ASSOC. I KNOW THEM TO BE A DEBT COLLECTOR MEANING THEY MUST ABIDE BY THE FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, & XXXX on the PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. I demand this account be removed from a collection status and reported as paid in full or pay {$350000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Assoc is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letterhead and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to XXXX and the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Regarding Equifax  Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax  has on file ; and on XX/XX/2021 I sent Equifax  a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX  days and still no conclusion to their investigation. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Equifax  is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the XXXX, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Recived a letter that claimed I owed credit card debt of a enormous amount that I do not. Tried to call and ask questions to be told I had to give them my information wich I refuse to do over the phone. I belive it is a fake company or scammer. A phone number provided is XXXX XXXX XXXX XXXX says XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX American Express XXXX XXXX XXXX. They are offering a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
got my mortgage with united shore financial services XXXX united wholesale mortgage XXXX, paid approx {$26000.00}. 

uwm sold my note to specialized loan servicing co. 

XXXX did not roll over the money paid to them. XXXX tells me starting on XX/XX/2015 they got no money from uwm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
While reviewing my XXXX credit report, I noticed that Rocket Mortgage made a credit inquiry on XX/XX/2021 without my explicit or written consent. During the month of XXXX, I was curious about the mortgage rate and did some research online. I found their website via XXXX and filled out the online form since the site indicated that they need to collect some basic information before they show me the generic rate. During completion of the form, I never gave them explicit permission to run my credit. Nor their online form clearly disclosed that they will run my credit. Upon, filling up the form, they didnt show me any rates, instead, quite a few lenders called me trying to sell me a mortgage loan. I was very clear about the fact that I am just trying to get an idea about the current rate and not willing to start an application or run my credit, rather, I just want a quote for consideration. Yet they ran my credit without my explicit permission, which greatly impacted my XXXX XXXX and ability to secure future loans at favorable rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
This is What do you half of XXXX they send me this collection agency for a talking head and my suit they are you damage my credit and I was doing it all day and I try so many times to get help from a game called many times XXXX customer service they charged my account for multiple late fee and the damage my credit report ants this is not fair to do that I really want to dispute XXXX and they sent me this letter So they wanted to sue me regarding and I would like to get help please on this matter and help me please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation