vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My wife 's employer is using XXXX instead of ACH. We didn't know that direct deposit needed to be through ACH until we were charged the fee. I tried to talk to Chase about it and they hung up on me. I called back and tried to close the account and they hung up on me. I could have avoided the fee by keeping a minimum balance in the account but it dipped below the minimum on one day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I am writing to whom this might concern, This has been occurring since XX/XX/2023. 
I am utterly disgusted and quite furious at the way Credit Karma treat their customers. I am a XXXX XXXXt with a XXXX year old, and might I add we live ten hours away from home. My account has been locked four 6 days now, with no explanation as to why, just no humanity. Im not sure if Credit Karma is robotic or just lack plain empathy but I am here to tell you, those guys have screwed the wrong person. No doubt I am most certainly will not be a customer of Credit Karma once my account is unlocked but I have reported Credit Karma to legal aid and the better business bureau. I have also filed a police report. I have sat in the dark with my child for four days because I cant pay my bills, you guys have and are costing my livelihood because of an quote on quote, investigation. I have had to steal food and candles for my daughter just to survive, next will be an eviction notice, I cant even pay my wifi bill which my job is ran by the internet, and I cant pay it because Credit Karma have and are withholding my funds. Next, I will be fired. With nothing and not to mention it is over 100 degrees. This is illegal as XXXX, and no business is bigger than the law. This is down right filth of a company and theirs no telling how many other families are suffering or have suffered due to Credit Karma shenanigans business. This wont be end of this. Credit Karma can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America allowed someone to come into a branch and withdraw {$900.00} out of my account on the second occurrence, they allowed someone to come and take {$600.00} out of my account. I was told since I did not notify them in 60 days time, it was my responsibility alert them within 60 days. The {$600.00} was clearly within the 60 days time period and they denied my fraud claim. This is not {$5.00} or {$50.00}. This is {$1500.00} that was allowed to be drawn out of my account. Bank of America sent someone a debit card and failed to follow their own identification protocols and allowed someone on two occasions to draw money out of my savings account.

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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I was incarcerated my home was burglarized my purse containing phone wallet direct express. Social security benefits card were taken and my check for XXXX was. Spent after submitting. My booking release paperwork police report and statement of charges I was denied. The money reimbursed to my benefits. I was incarcerated from XXXX XXXX  my whole may benefits were spent my fraudulent charges case was denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I already have a case number, which is XXXX. 
I received an email from XXXX XXXX from Wells Fargo. I tried emailing and calling with no return call or email from him, since he is the person who contacted me. 
I told him i would like to get an update. They are just ignoring me!!!!!! 
I have found out, on my own via the police dept., that my check was cashed at an ATM at XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I STILL THINK WELLS FARGO SHOULD BE INVESTIGATED FOR TELLING THEIR CUSTOMERS, AS PROBABLY ABOUT 8 DIFFERENT EMPLOYEES OF WELLS FARGO TOLD ME, THAT THE FUNDS WOULD BE RETURNED TO MY ACCOUNT, ONCE THEY ESTABLISHED IT WAS FRAUD. I THINK THE EMPLOYEES I SPOKE WITH WERE TELLING THE TRUTH BUT WELLS FARGO DECIDED TO NOT HONOR WHAT WAS TOLD TO ME. 
I STILL BELIEVE THEY HAVE ENCOUNTERED MILLIONS OF DOLLARS WITH FRAUD INVOLVING CHECKS AND HAVE MADE A DECISION TO LIE TO THEIR CUSTOMERS, ON A LARGE WIDESPREAD BASIS, AND SCAM THEIR CUSTOMERS, BY NOT REIMBURSING CUSTOMERS FOR WHAT WAS STOLEN. THEIR HISTORY CERTAINLY DOCUMENTS THAT THEY ARE CAPABLE OF DOING DISHONEST AND ILLEGAL THINGS.

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 2023-06-20 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: GA

Complaint narrative:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

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 2023-06-20 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: GA

Complaint narrative:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not 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 explanation
Consumer complaint received 2023-06-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRY REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SYNCB/JCP Date of inquiry XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I reported 12 fraudulent charges over a 3 day period from my Bank of the West debit card totaling {$710.00}. I reported these fraudulent charges virtually through my Bank of the West account portal, then orally with a Bank of the West representative and then physically through a mailed affidavit requested by Bank of the West. 

On XX/XX/XXXX I received noticed via mail that Bank of the West deemed the charges as authorized. I called the Fraud Prevention Analyst. XXXX, from the notice letter to understand how the investigation deemed them as authorized. I was told that since I still had the card in my possession and it was not reported as stolen that it was deemed authorized. Knowing my rights, I requested the information used in the investigation. 

I left 2 follow up voicemails with the analyst which were never returned. I finally got in touch with the analyst on XX/XX/XXXX and again requested the information used in the investigation. He said that it would take 90 days for me to receive the reporting. 

It's XX/XX/XXXX I have yet to receive any information used from the investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} Upon reviewing my credit report, I came across an entry that I do not recognize and have no affiliation with. This unfamiliar entry raises serious concerns about the potential for fraudulent activity or identity theft impacting my credit history and financial well-being. 

As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the steps necessary to address inaccuracies and fraudulent accounts on my credit report. According to the FCRA, consumers have the right to dispute unrecognized items within a specific timeframe. 

I kindly request that you initiate a thorough investigation into this matter and provide me with the results of your investigation in writing. If you find any evidence of fraudulent activity or identity theft associated with the aforementioned entry, I urge you to take immediate action to remove it from my credit report and ensure that it does not negatively impact my creditworthiness.

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 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: CA

Complaint narrative:
We had a security system installed by XXXX. The System stopped working. When we got in contact with the company, they said they would send someone over. They never came. When I contacted them to cancel the service and get their security system from our residence, they instructed us that they will terminate the monthly service and we can keep the security system as we bought it. Therefore, we are disputing the charges. XXXX told us we did not owe anything. They were later bought out and now they are trying to collect a debt that we did not agree to with them. The system has been disabled for well over 13 years. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company Capital One. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX  and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any Covid assistance through XXXX. There was a moratorium order to protect consumers credit. I informed Capital one, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with Capital one. I paid {$7000.00} and the sent me a 1099 for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did not authorize for capital one to pull my information and report inaccurate activity to my credit report. Please remove this inaccurate information because it is a violation of my rights and was not authorized!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and capital one shall also be responsible for charges and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought a trailer from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the state of Ohio and financed it through XXXX XXXXSynchrony Bank for an amount of {$3800.00}. When I applied for registration at the Florida DMV, they listed Synchrony Bank as the lienholder. I made the final payment on the financing on XX/XX/XXXX for an amount of {$3200.00}. I made this payment from my savings account. As of today, XX/XX/XXXX, I still have not received the title release for my trailer. I have made multiple calls to Synchrony Bank, but they have been unable to locate my account using my social security number or my account number, and they have not provided me with any answers. I sent a letter to the lienholder 's address, which they received on XX/XX/XXXX, but I have not received any response to date. I have exhausted all avenues but have still been unable to obtain the title for my trailer, and I need assistance in resolving this issue.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I contacted Bank of America ( BOA ) to make a payment on my credit card account ending in XXXX in the amount of {$970.00}. I immediately realized the amount was taken out twice ( as I also had my online account opened ) while speaking to the representative. I immediately brought this to his attention and he apologized and informed me that he completed the required forms and the extra {$970.00} payment would return to checking account in 4 days. I called back on XX/XX/XXXX to enquire why it was taking so long and was told it would take 10 days. The following week I went into BOA ( XXXX XXXX ) to open an IRA and also brought it to the attention of the Financial Consultant at that location close to XXXX XXXX XXXX. He did Not understand why it was taking so long but told me to give it a week. I called after a week and initially locked all my cards. ( I realized instead of returning my monies BOA was immediately deducting the amount from {$970.00} each time the card was used, so I stopped using all BOA and locked them. ) I called again the following week and requested to cancel all my credit cards and have the surplus returned to my checking account ( which is also held with BOA ). I was transferred to various departments and was informed that a check would be mailed out to me as they could not transfer it to my checking. BOA at that point fabricated a story that my credit card was fraudulently accessed and I was locked out of my online accounts for a week. On XX/XX/XXXX I went on vacation to XXXX for over 2 weeks thinking it should be returned to my checking account by the time I return to the UShowever, to no avail. On XX/XX/XXXX, I went into my local BOA and made a complaint to XXXX XXXX XXXX, Financial Consultant. He contacted the credit card division and they stated it would be returned to my checking account within 10 days. Ive heard that numerous times before and it still hasnt been returned to my checking account. I think this is very unethical behavior ; a blatant disregard for my rights as a consumer and an abuse of power. Thank you very much for your assistance in this matter. Greatly appreciated!!

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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC
State: FL

Complaint narrative:
Debts stated does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NC

Complaint narrative:
On XX/XX/2023 I mailed out a dispute letter to Experian requesting that they validate debts from : Name : XXXX  Account # XXXX Name : XXXX XXXX XXXX XXXX Account # XXXX I received notice from Experian on XX/XX/2023 that the debts were verified and accurate. However, they did not provide any documentation with my signature ( which was requested ), and they did not prove in any way that their reporting was 100 % accurate. The only thing that Experian sent to me was an itemized statement which anyone could have typed. On XX/XX/2023 I mailed them out another certified letter giving them 15 days to provide me with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, and a document bearing my signed signature. It has been 45 days and I have not received any documents by mail with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, or a document bearing my signed signature. Experian is causing me a lot of distress by failing to remove these false claims from my file. I am getting turned down for things that I should not get turned down for, such as a car so that I can get my children and I back and forth.

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