vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX21, my wife and I logged on to our Ally Bank savings account and discovered someone had removed {$93000.00} from our account via an ACH transfer to another outside bank. We had not added this outside account, nor have we ever heard of or had any association with the bank, which is not even in state either of us have ever resided. We immediately called Ally Bank to report the fraud and all they asked us to do is complete a dispute request and said that someone would be in touch. We could not get a confirmation of when someone would contact us or when they would return our funds. They were however able to provide the account holder, account number and routing number for the outside account the money was sent to, which was troubling, because that account was supposedly in my name. Again, we have never even heard of that bank. Furthermore, we have two factor authentication turned on for this account, whereby anyone that logs into the account would have had to enter a code that would get texted to me or my wife in order to log in. Neither of us received such a code, therefore we don't know how the banks two factor authentication functioned properly in this instance, because it certainly didn't protect us. We have not heard anything back from Ally Bank as of the date of this complaint. We are extremely puzzled how someone could log into our account, bypassing two factor authentication, add an outside bank account, and transfer such a large sum of money out of our account without any notices being sent, red flags being raised, calls, emails, texts, etc. from the bank. Any help you can provide would be greatly appreciated. Thank you

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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Commonwealth financial is continuing to harass consumers violating public law title X, 124 stat 2092 section 810 reporting multiple debts that is already reported on my credit from another creditor. Section 808 unfair practice by continuing to contact the consumer after the consumer informed this company that a creditor is already reporting the debt. Violating section 807 of the act by false misrepresenting themselves as the debt collector of a debt that is already reported to ones credit file and reporting false credit debt to credit bureaus as a means to harass consumers. Why isn't the ftc going after this company. This company has over 100 complaints with XXXX and ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: CA

Complaint narrative:
Dear Staff at CFPB, I experienced fraudulent transactions on my XXXX  Mastercard which happened on XX/XX/2021 while I was asleep. I'm a currently a XXXX driver and I use their card that they provide to drivers. It is a Mastercard through XXXX XXXX  which XXXX use for their drivers to get their money to be deposited to their card after every ride. 

I have filed and call on multiple occasions for the amount of {$1000.00} to be refunded back to my account and they are refusing to refund me on time. They kept mentioning investigation takes 60 days through the XXXX compliance team before they can refund me, and it's been since XX/XX/2021 and it's XX/XX/2021. 

Those chargers were not made by me and I XXXX search the merchants myself and they don't exist at all. They mailed me a new card but I have not get my refund back yet. 

I found out through their representatives that their financial institution is not FDIC insured. 

Those fraudulent transactions were made by a merchant called ( XXXX XXXX ) Merchant name : XXXX XXXX : {$6.00} {$220.00} {$6.00} {$220.00} {$16.00} {$540.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
The bank company recently switched how consumers are to pay down their line of credit. At first I was locked out of using their new payment system until I agreed to new terms and conditions. The 11 pages of terms of use were confusing and convoluted - So I called in and asked for an explanation which was provided stating that this was only to change their fee schedule and amounts. However on follow up I still wasnt able to make payments down to zero due to the interest nature on this account which previously I had no problem in settling. Now according to this new process it is mandated that I carry a balance with no easy way to settle the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Bank and XXXX XXXX XXXX are fraudulently reporting on Saturday, XX/XX/XXXX in Credit Report a COLLECTION debt under fraud account # XXXX, opened on XXXX XXXX, XXXX in the amount of {$4100.00}. I do not owned an acct. with Capital OneXXXX XXXX XXXX. I have an acct with Capital One and pay as agreed on the XXXX of each month between {$65.00} - {$75.00}, balance owed {$2600.00}, credit limit {$2800.00} and account not in Collection. Capital One had fraudulently violated my rights under the Fair Credit Reporting Act and Collections Practice Act and after disputing fraudulently debt against Capital One Bank and attorney XXXX XXXX XXXX, garnished my wages of Commercial Local State TaxeXXXX under my employer XXXX XXXX XXXX of XXXX percent Biweekly between {$2800.00} through {$3000.00} in XXXX, XXXX taking entire check after government shutdown except {$55.00}, and again Commercial Local State Taxes in XXXX. Capital One Bank and XXXX XXXX XXXX XXXX  garnished my wages of XXXX percent biweekly and did not give me a receipt of garnishment and the Equal Employment Opportunity Commission ignored issues and did not investigate complaint filed in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
In XXXX of XXXX, I received a letter from Barclay 's Bank regarding our Wyndham Rewards Visa card. I were informed that our account was past due and that they had attempted to reach us. I immediately paid the bill in full, as that is our consistent practice with all of my credit card bills, but when I checked our billing history ( they email me our statements ) I realized we hadn't received an electronic bill from Barclay 's since XXXX of XXXX. I immediately closed the account as I had lost confidence in Barclay 's ability to properly manage this account ( I had a previous incident where they had misapplied my payment to another account and held our account in arrears until they could find their error ). Barclay 's then notified the credit bureau of the delinquency and my credit went from excellent to fair. I have tried to reach out to Barclay 's to have them retract the reporting as it isn't fair that I should be penalized for two months of late payments when they never billed me for those two months. Barclay 's only suggestion was to reapply for the credit card.

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 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has opened a collection account for a bank of america account that is not mine in the amount of {$1000.00}. they have left messages saying a complaint has been filed by " someone '' and to call a number and have my ID info ready for the person that answers. i never called the number they stated and now this collection account for {$1000.00} is on my XXXX account. 
New Trade Account Creditor : * XXXX XXXX XXXX XXXX Creditor Type : Other Collection Agencies Account Number : XXXX Account Balance : {$1000.00} Account Past Due : -- Current Account Rating : Collection account Previous Account Rating : -- Portfolio Type : Open Account Creditor Remarks : Placed for XXXX XXXX XXXX XXXX XXXX Address XXXX 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 explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Issues with making payment due to current Covid environment resulted in an insufficient funds fee. Barclays customer service was not willing to refund fee. Very disappointing that Barclaycard is not helping-assisting people during this difficult time.

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 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Spoke with Fraud Dept. 
Requested closure for last time XXXX XX/XX/2021 Directed to call this day contacted XXXX More fraud/suspicious charges on this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage transferred from XXXX XXXX to SPS Select Portfolio Servicing on XX/XX/XXXX. My XXXX XXXX ( XXXX XXXX ) was escrowed and last paid by XXXX on XX/XX/XXXX. SPS Never Paid my XXXX XXXX. and my coverage lapsed unbeknowst to me, until I got a letter from XXXX XXXX stating same. XXXX initially told me I could NOT be reinstated because it was Over 30 day lapse, so I got other XXXX XXXX, but at it was almost double the original price of {$2300.00} a year. 

SPS refused to agree that this issue was their fault. They told me I had XXXX XXXX that lapsed in XXXX, but never notified me until XXXX XXXX. 
I wrote to Department of Financial Services & SPS wrote a reply that was filled with several " untruths ''. I got verification of my XXXX from XXXX and submitted this to XXXX and SPS. 

SPS has acknowledged their error & refunded {$640.00} to my account for insurance i did not need. SPS has also accessed over {$8000.00} more due and owing in my {$190000.00} balloon payment I was forced to agree to by XXXX XXXX XXXX XXXX in order to keep my house. Now SPS says its almost XXXX. ( 3 statements attached for your reference ). 
I need help getting a covid modification with a lower interest rate ( 5.49 % currently ) and the balloon payment Ive been told is excessive and not normal, but i cant find an attorney to help me fix it. 
I will attach more information here for you to review. Please review this case for me. I feel as though I was swindled by XXXX and im getting the same result with SPS. 
Please note I have a large document ( my original submission to SPS and XXXX regarding the insurance mistake, but it is too large to upload. I can send it to u another way??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: FL

Complaint narrative:
I noticed some accounts on my credit report that i have no knowledge about.

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 2021-03-20 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: FL

Complaint narrative:
I noticed some accounts on my credit report that i have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I applied for a conventional mortgage ( XXXX XXXX ) at the loan limit of {$510000.00} with Banco Popular Puerto Rico on XX/XX/2020. I was given a new quote right before the closing process, which features a much higher interest rate than what I received initially ( 4.5 % vs. 3.875 % ). There is no logical reason for this as my credit score has only improved, credit utilization rates are at elite levels, and my credit score is in the excellent range with all major credit bureaus. 

After sharing my experience with at least three independent sources, including my realtor, friends, and acquaintances, all of them verified that Banco Popular commonly waits more than 60 days for the quoted and locked-in interest rate to expire and then increases the interest rate significantly right before mortgage closings. This is not an honest business practice, and it seems that nobody is holding the bank accountable for it. A second-order consequence is that the bank needs to pull my credit report again as they waited until the initial report expired, which could affect my credit score. In summary, the bank has been extra slow, significantly increased their initial interest rate quote with a new quote right before the closing after stalling about 130 days, and is potentially hurting consumers ' credit score by pulling credit reports multiple times throughout an elongated 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 2021-03-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently applied for a PPP loan through a completely different lender than Chase Bank. Before I was even approved for this loan I was required to provide all the necessary documentation that was requested of me by the bank/lender that I was going through to get approved. I provided all documentation that was requested at that point they reviewed my info and approved me for the loan. The loan was then deposited into my account and now Chase has a hold and a block on my account Stating I needed a business account to get this loan But when I contacted the lender they stated That is not true and I provided all the correct documentation to get approved for the loan. Now Chase has me going through a run around to get the block taken off my account for me to retrieve my funds. I have the closing documents the application emails etc whatever is needed to prove that I applied and got approved for this loan and now Chase is making me provide them with all this extra information which I don't understand why because I did not go through Chase to get this loan so now there holding my funds XXXX claiming I need to provide to 3 years taxes etc etc. And What I contact the lender they state they do not understand why Chase is making me go through this. I just want to block removed so I can withdraw my funds from Chase move on to a different bank you because this is the worst experience I've ever had. It doesn't say provider 's must have separate business accounts to apply. Also it states banks and other lenders can set there own rules on how they want to accept applications. With that being said the lender I went through must have acknowledge all my info that's why I was accepted. So I need help because they keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I obtained a " your tuition solution '' credit line to fund my daughters XXXX XXXX XXXX with XXXX. 

The bank that provided the line of credit in in the amount of {$2700.00} is Comenity Bank under a program - " Comenity Your Tuition Solution ''. Account Number - XXXX. 

The credit line, effective in XX/XX/XXXX, was a XXXX interest loan provided that I paid a monthly minimum amount and paid off the loan by XX/XX/XXXX. 

I discovered in XX/XX/XXXX that ( i ) every month, I paid Comenity Bank at least twice ( for most months, 3 times ) the minimum due each month, and ( ii ) Comenity Bank charged a late fee for most months in the total amount ( plus interest ) of {$250.00}. I discovered that even though I paid 363 % of the required minimum for 12 months, XXXX kept charging a monthly " late fee ''. 

XXXX  claims that, even though I paid 2/3 times more than was required each month, they had to charge late fee because they received my funds late. My records ( see Exh ) show that my bank ( XXXX ) debited my account on XXXX of each month in vast majority of cases, which was 5 days earlier than the Comenity due date of XXXX. My records also show that certain payments made within 3 days, 4 days, or 5days ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX of XXXX 's XXXX deadline were received on time. PLEASE EXHIBIT. Comenity Bank has failed to explain why certain payments made within 3/4/5 days were timely while other payments made within 3/4/5 days were late and deserving of late fees. I have informed XXXX that the only logical explanation is that they ( Comenity ) experience Operational challenges and I should not be penalized for that. 

Upon raising this issue with XXXX in XXXX, they reversed the inappropriate " late fee '' charge for XXXX but have refused to reverse the charges for the other months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA XXXX XXXX Account for Auto Policy discontinued early XXXX Explained no vehicle. 

Spoke with representative and stated they would close policy and received refund from policy. Stated he would retract autopay. 

Received notification my auto/property insurance bill is ready XXXX XX/XX/2021. 

Identity theft/fraud on this account. 

Requested closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSR & ASSOCIATES INC.
State: CA

Complaint narrative:
I was contacted by a company, XXXX, I previously did business with about an unpaid order for a company I had closed in XXXX. While I did make an inquiry about whether this company, XXXX, could drop ship some items after I had vacated my retail location, XXXX apparently opted to ship product to a location I had not occupied for months. When I disputed this order with XXXX, they referred me to a collection agency called XXXX XXXX 

I notified XXXX via USPS on XX/XX/XXXX, to cease communications or to provide proof that this debt was mine. After receiving more notices, I sent them the attached email on XX/XX/XXXX again demanding them to either cease communications or provide proof. No communications came until a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX. This letter violated my instructions by ceasing communications and did not include any proof. I feel this company sent this letter from their corporate counsel in a veiled way to intimidate me to demand payment for a debt that I do not owe. 

I will be writing a letter of complaint to the CEO of XXXX today as this is now bordering on harassment. 

I also filed a complaint with the CA Attorney General regarding these communications as well. 

Again ... I did NOT order any product from XXXX that is in dispute. I did NOT receive any product from XXXX that is in dispute ( I could not have since I had vacated the commercial location no less than 2 months prior to this shipment being sent ).

Company response to consumer: Untimely response
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Rental and Property Insurance Policy does not appear to be closed. 

Requested closure due to relocation. 

No notification/documentation to support. 

Called for verification they were closed.

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