vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account. 

I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian erased my address accidentally. The notes in their files show they removed the address accidentally yet they have failed to resolve it. Every agent switches me to another person who tells me they made a mistake yet they cant fix it. They have asked me to upload my information YET the portal doesnt work!!!! Their actions are causing me financial harm as I am unable to get up to date Fico scores, file disputes or view my 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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX I called Flagstar Bank to resume payments from the forbearance. They let me know that I qualified for the deferred back payment plan. They instructed me that I will be receiving the paperwork within 2 weeks and to notarize it and send back with payment. I contacted them again with the 2 weeks and they said it has not gone out yet but I should be receiving it shortly. Then I called them again on XX/XX/XXXX and was told the same thing. I called seveal time in XX/XX/XXXX and XX/XX/XXXX and the continue to be stalled and say they are still doing the title search. This went on for two months. I called them a total of 13 times. Then on XX/XX/XXXX they said there was a mistake and I have to start the process over again. So I started the process over again and they stated that I will be receiving the paperwork within 12 days but once again I still have not gotten any paperwork for the deferred payment ( I forgot the name they called the deferred payments at the back of the mortgage ). Nor have anyone ever reached out to me concerning this matter. But they would give me mortgage statements saying I am in default and the total amount due.

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
The credit bureaus and Mercedes Benz is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good morning, I had an bank account inXX/XX/XXXX with Navy Federal credit union. I took a out a personal loan because of the damage that Hurricane Michael did to my home. I became delinquent with my loan. After so many threats from navy federal credit union I decided to close my account because I could not afford the loan payment at the time. I set up an arrangement with the credit/loan department. Fast forward toXX/XX/XXXX, I checked my credit score and I have a loan debt on my credit for $ 18k? and I only borrowed {$3500.00}. I was in total disbelief that they improperly reported that amount in debt to the credit bureaus '. They have sold my information to a debt collector and I am currently waiting on a call back from Navy federal Credit Union to be informed about who the debt collector currently is. I currently hired a credit expert to look further into this matter. I just read the article about the mean, rude and deceiving practices Navy debt collectors were doing to bank members about delinquency in loan payments. It very much seems that they are taking a new approach by improper reporting debt amounts to credit bureaus. It's very unfair to members. Especially service members which I'm sure is being affected by this as well. 

Thank you for reading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
In XXXX, I had my lease bought out by a third party dealer. Ally has received the payment for the buyout. I noticed in XXXX that my account online was showing past due on the website. I called Ally XXXX and after an hour of reps not being able to figure out why, I spoke to a supervisor, XXXX, who told me NO ACTION is needed on my part and Ally and the Dealer are finishing paperwork and I should not make payments.. However, now they are reporting that my account is PAST DUE on my credit report, significantly dropping my score. I spoke to another supervisor today XX/XX/26 who told me this is correct but there is nothing they can do to report the correct information on their side.

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 2021-03-26 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: SC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX I went into the TD Bank in XXXX, Fl at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX to report fraud on my account since I had been XXXX for nearly 3 years. She said the the Fraud department would contact me in 2 weeks and if not to come back into the branch and she would contact them again on my behalf. They never contacted me so on XXXX I went back into the branch. When I try to call the Fraud department myself, they say they cant help me since the account was closed and that I would have to go the branch. But when you go to the branch, they tell you have to wait for a phone call. The last transaction I made on my account was for {$7.00} on XXXX and I should have had a balance of {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified please provide " Certified Mail Receipt ''.

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 2021-03-26 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, my sister and I went to dinner and split the bill. She asked if I paid for it could she cashapp me the {$150.00}. I said yes forgetting how long it had been since she cashapped me so I went to the account I havent had access to since XXXX because I got a new phone. Once I realized it she and I both immediately contacted cashapp to try and cancel the funds. For several days I was asked for verifying information that I submitted just for them to determine that the account couldnt be reinstated for security reasons and it was no way to return the funds to the sender. They keep stating it is for security reasons but also so told my sister the funds cant be canceled because it was completed. I kept asking why cant the funds be returned if theyve deemed the account inaccessible. They are stating they cant provide any details the funds wont be approved to be returned back to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am not responsible for the fraudulent disputed balance and or interest charges associated with this account from Branching Banking and Trust ( BB & T ) I am requesting for this account to removed from XXXX  XXXX. This account has been written off and disputed on many occasions. I am not responsible for this balance in the amount of {$630.00} for this account # ending in 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 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CarMax, Inc.
State: VA

Complaint narrative:
Carmax continues to make contact in order to collect payments/repossess vehicle numerous times after being made aware I have retained an attorney for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus and XXXX XXXX  is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting

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 2021-03-26 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
WHERE'S MY CHECK???? CUSTOMER SERVICE XXXX!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I fell behind on payments due to COVID and Wells Fargo people keep calling me several times a day trying to make extra payments. I have made a payment every month, but have not yet been able to catch up. I am 2 months behind. These people keep harassing me days after I have made a payment and making threats. Even when I try to explain my situation they get mad and hang up on 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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a transaction with square for about XXXX with a company that I have been doing business with for many years and have don't multiple transactions. Everything was going fine the money was approved it should have gone in my account on the XXXX next day according to all the other transactions. I look at my account and it shows pending says it will be sent on the XXXX so I wait. Next day nothing I go to their dashboard online and that's where it says its suspended. I talk to the customer to see if they had the money removed from their account and they said they did. I looked at seeing I should refund it but read that if I did it would be taken out of my account and not the money that being held by them. That makes no sense because if they think it's fraud then just cancel the order. I have sent messages to square and no answer. I can't contact them directly cause supposedly my account in not active but they would let me do another transaction so they could hold that too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am a Bank of American customer. On XX/XX/2021 I used a Chase ATM to withdrawal {$500.00}, however, the money did not come out. I received a receipt showing the withdrawal but it stated We arent able to give you chase right now. I immediately pulled into a parking spot and called the number on the receipt but was told I had to take it up with my bank. Once I got home I called my bank so they opened up a claim to get my money back. I waited a few days then called my bank and was told Chase denied my claim indicating I got the cash out of the ATM. XXXX  XXXX XXXX then asked me to write a letter and fax the letter and ATM receipt to them so they can reopen the claim. To date, Chase has not given me back my {$500.00} so I need to take the next steps.

Company response to consumer: Closed with explanation