vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Chapter XXXX Bankruptcy US Bankruptcy Court District of Colorado Case Number XXXX Filed XX/XX/XXXX & Discharged XX/XX/XXXX - TransUnion is refusing to report the correct status of XXXX XXXX # : XXXX as included in Bankruptcy. File number XXXX, disputed and was not corrected as of XX/XX/XXXX. TransUnion is reporting the Bankruptcy discharge under public record but refuses to correct the accounts that are listed in the schedule with known dates prior to filing and discharge.

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 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 around XXXX XXXX, I deposited 2 cheques for {$200.00} each at a Chase Bank ATM in the city where I live and the cheques got stuck. They issued a temporary credit of {$400.00}. After 3 weeks I received a letter that since they could not find the cheques, they are reversing the credit. I called the XXXX-XXXX representative and the local bank and all they could do was apologize. They just advised me to ask the cheque issuer to send me replacement cheques. I deposit a lot of cheques and of course it is hard for me to trace who issued them. It is so frustrating and I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 the Bank of America ( BOA ) debited my checking account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. On XX/XX/2018 the bank again debited my account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. 

When I went to reconcile my account on XX/XX/2018 I discovered these fraudulent debits. My account has been closed and a Bank of America claim was made ( Claim number XXXX ). The funds were restored about four days later. 

I have also notified XXXX of the fraudulent EChecks. It is my belief that my XXXX merchant account was breached and this is how the fraudster was able to set up a new XXXX account and draw and ECheck on my BOA account. While I believe that XXXX is primarily responsible for the security breaches that lead to the issuance of these fraudulent Echecks, I am shocked that the Bank of Americas security procedures were so weak that these transactions were executed. 

In over twenty-five year I have never issued a XXXX XXXX ECheck. I have almost never issued any form of disbursement from my account for over {$2000.00}. In fact, the pattern of disbursements month in and month out are virtually identical as to payees and as to amounts. Additionally, the amount of the XXXX XXXX EChecks, {$9900.00} should in of itself have raised a red flag as it is just below the {$10000.00} level which would necessitate special reporting requirements. Given the unusual form of the check, the unrecognized payee and the significant amount of the check, I would, as a bank customer, have expected that some form of alert and verification process been triggered. In the past when I have attempted to make intrabank transfers over a certain threshold ( significantly less than {$9900.00} ) security confirmations via text messaging to my phone have been implemented. Why wasnt I alerted to this highly unusual set of transactions? 

As part of the process of resolving this issue I opened three new accounts with the remaining funds transferred from the compromised account. I have spent many many hours setting up new accounts and changing automatic deposits and payments. The stress and aggravation has been significant. 

My complaint to the CFPB is that the Bank of America has never answered my question as to how such an egregiously set of fraudulent transactions could have been debited form my account in the first place. The CFPB should investigate the utter inadequacy of Bank of America 's fraud prevention systems.

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 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have updated XXXX-Synchrony using the online account message center while I have no money or income. Often as soon as I post an online update of my job search and prospects, the company will begin calling twice an hour to my mobile and home XXXX which continue for multiple days. The call is from an automated system that only provides account status and past due amount and payment options ( no attendant. ) I realize this action will likely terminate the online message center ( the usual tactic by Synchrony ) but the calls, which included two after XXXX are not productive for either of us while I am not in position to make the payment. I prefer correspondence online

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 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
After talking to two bank representatives that if I made a deposit, that my funds would be available the next day, I deposited my paycheck in the amount of {$1800.00} into Citizen 's bank on XX/XX/2018 at XXXX. Well to my surprise only {$200.00} was released to me the next day. My funds were on hold. The week before the deposit I had opened an online account with the bank and an online representative had also told me funds would be available the next day.. I agreed to terms and conditions, but nowhere in it have I read that my paycheck would be on hold for 5 business days, who would have agreed to such a policy knowing you would need your money? On XX/XX/2018, I went into the bank and spoke with XXXX who told me my paycheck was on hold until Monday XXXX XXXX. When I asked her can't they call the bank the check is written on to verify the funds, she told me they don't do that anymore due to privacy rights. I find this so hard to believe knowing the day of technology that we live in. 
As of the date of this complaint, XX/XX/2018, I have been without my paycheck for 7 days now and my bill collectors don't care that it is for 5 business days! I feel as if this bank is punishing me for whatever reason. I have heard of banks holding funds for 3 days but 5 unbelievable! I even asked XXXX on XX/XX/2018 if I could just get my check back and she stated probably already gone through the process once scanned, but wasn't sure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
After my lease was bought out by the dealer a got a new car from, Ally Financial still billed me for another month of the previous lease. After numerous calls, they finally agreed that the car was not under my possession anymore and that they will send me a check for the amount owed. I was given a reference number for the check and was told that I would be receiving it in the next couple of days. After 2-3 weeks I followed up with them and they said that they could not process the reimbursement because my account was closed and they could not get access to my information anymore.

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 2018-09-07 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My wife and I have a Chase Bank XXXX XXXX XXXX   Card. On Sunday, XX/XX/2018 my wife contacted Chase Bank via phone XXXX and spoke to a Chase Bank representative to apply accrued purchase rewards to a XXXX gift card. On Tuesday, XX/XX/2018 while reviewing our Investors ' Bank checking account online ( linked to Chase Bank ), we found an unauthorized statement payment of {$4800.00} to Chase Bank resulting our Investors Bank checking account to have a negative balance resulting in overdraft fees. We immediately contacted Chase Bank to refund the unauthorized payment to our checking account at Investors Bank. The representative agreed. We were informed this would take 3 to 5 business days. Any overdraft fees would need to be handled through a separate complaint with Chase Bank. Why would Chase Bank allow their employees to process unauthorized payment transactions that would eliminate all funds from their customer 's linked checking accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA

Complaint narrative:
On XX/XX/2018 I was served court documents from the County sheriff that I was being sued by XXXX XXXX XXXX. First, I am a XXXX veteran with XXXX XXXX  XXXX. It is not appreciated that scare tactics, such as using a sheriff to deliver court documents because it resulted in me having a XXXX XXXX in front of my daughters. Second, I have NEVER received any correspondence from XXXX XXXX XXXX, a debt collection agency, nor have I NEVER received any phone calls from XXXX XXXX XXXX in regards to debt claimed owed. My rights under the Fair Debt Collections Practices Act were violated, because I was NEVER given the opportunity to dispute the debt within 30 days to XXXX XXXX XXXX. If I was notified properly, I would have disputed the debt within the 30 day time frame and I was denied this right. 

In regards to alleged debt owed : 1. I have no contract/credit card agreement with my signature on it with XXXX XXXX XXXX and this proof needs to be provided. Provide documents with my signature on it. 2. provide ALL XXXX XXXX XXXX XXXX to show the purchases I made through them, and the payments I sent directly to them. XXXX   statements is legally insufficient. 3. Provide a bill of sale showing that XXXX XXXX XXXX paid the FULL amount of debt of {$5000.00} directly to XXXX XXXX XXXX XXXX ( not a charge off amount ), since XXXX XXXX XXXX is a debt junk buyer and is trying to get more money than what they paid for debt. I have also submitted a complaint to the XXXX XXXX XXXX and contacted a lawyer in XXXX for the violations they have committed under the Fair Debt Collections Practices Act and for the emotional distress that was put on me because of their scare tactics used.

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 2018-09-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased 2 items from XXXX and returned the products.I had to jump through HOOPS producing tracking # s which I did It was resolved and a credit was placed on my credit card. Then they just rebilled again and put a XXXX charge on a account I closed after the last dealings with this CORRUPT BANK. They are charging products to a closed account. I called XXXX and they have NO record of the XXXX charge. I have closed the account already so I can not go back at look for ERRORS. I have requested all of my statements be mailed so I can review. This is about 8 months. This dispute was settled 2 months ago. They just rebilled the disputed amount and then charged XXXX on a CLOSED ACCOUNT. If they are doing this to me I am sure they are doing this to OTHERS.

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 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I contacted This company spoke with a collector told her I have no contract or account with them or their client XXXX XXXX, they where sent a copy of my theft report and police report numbers in a previous dispute with another account they bought from the same client. This is not my account. Also the original creditor was also provided the theft report and all other documents. They received another account balance {$560.00} I got a letter called and disputed the same day, told the rep they have the police report in which this account is also on. Portfolio Recovery sent me a letter saying the other account has been verified as fraud & was closed and will not be reported to the credit. I am requesting a original contract with signatures from Portfolio Recovery and their client XXXX XXXX. I would also like a letter stating this account is also closed and Not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a Navinet and loan. 

I am having trouble making the payments because of an inadequate employment They have been Robo calling my work phone which is my cell phone I am a XXXX  Are use my phone throughout the day to look up medications and other XXXX treatment plans.

I can get anywhere between 15 to 25 calls a day.

It disrupts my ability to conduct my job. I can not work affectively taking 15 to 25 phone calls per day shift I have asked them to stop on multiple occasions. I have received eight phone calls already this morning and its only XXXX XXXX  Please make them stop Robo calling my cell phone incessantly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use Chase bill pay to pay my regular bills. On XX/XX/18 I paid my trash company the monthly invoiced amount of {$120.00}. On XX/XX/18 someone at Chase bank changed the vendor name and address without my knowledge or consent and mailed the check to this erroneous vendor. The vendor is not related to my vendor and I had to pay the amount again to the correct vendor.

When I contacted the bank they said they were contacted by the new vendor and changed the information based on " valid documentation '' and that they do this regularly. They said they can not provide me with that documentation because it is confidential. I received no notice or confirmation of the change by the bank of vendor information in my personal online profile. The change is NOT valid and the real vendor is not aware of why they would have made this change, and required me to pay the bill in full again.

Chase said they would investigate to see if the correct vendor was paid - when asked they said that means if the vendor name on the check is the vendor that cashed the check. That doesn't help me! The vendor name is wrong, I did not make that change they did, and now I am just out {$120.00}? I guess I can't trust Chase bill pay any longer?

I also contacted their online banking division who said they will get back to me, but it did not sound like I will ever get a satisfactory answer to this issue, nor any assurance that it will not happen again. Is that legal for them to change my vendor information without telling me???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.

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 2018-09-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2018 I allowed someone I thought I trusted access to my bank account at Wells Fargo. He proceeded to deposit fraudulent checks ( 3 for {$700.00} each ). 
XX/XX/2018 I noticed the hold was lifted. Automatic payments go through. Two transfers I thought I had access to went through. 
XX/XX/3018 A hard hold was placed on the account because the checks bounced. No deposits, no withdrawals. The account was due to close within ten days. I figured they would keep their word about not allowing deposits. 
XX/XX/2018 I notice the negative balance, and questioned how they allowed the checks through, replaced the hold, and sent them back, against my account. 
XX/XX/2018 I noticed my debt had gone down by the same amount of my XXXX check. I mistook this as them hacking away at the scam. 
XX/XX/2018 It sunk in that it was my check, because I saw that particular DEPOSIT had gone through. I picked up the letter about the matter, which plainly said everything was blocked and my account was due for closure. 
I called the bank, was shuffled around three different departments, and was finally handed over to the supervisor of Loss Prevention. 
I told them about the email, and letter, that plainly stated NO DEPOSITS would be allowed through and my account was to be shut. 
I was told the exact opposite, that my account could not be closed with the negative balance and their collections department was allowed - by any means necessary - to, well, collect. ( This includes garnishing that XXXX check, my only income. ) Today, XX/XX/2018 The collections department woke me up to ask about the rest of the debt that I can not pay because I'm on XXXX. The person had the nerve to ask me when my next check was due. 
They already yanked one out from under me. I needed that for books for college. 
This is corrupt, if not illegal.

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 2018-09-07 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX XXXX Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
This is a complex issue, and involves multiple factors. First, our home was impacted by a major flood in XX/XX/2008 declared as a national disaster by FEMA 4 years after we purchased our home. We were quickly pushed into a loan through SBA to repair our home without discussing if this was the right financial decision for us. This basically doubled our debt on the home. We did our best to pay the loans, but we had a child at that time as well pushing us further into debt. Regardless of the challenges, we continued to pay the loans the best we could relying on family and borrowing from my Retirement plan and taking on credit card debt. We applied for HARP loans on multiple occasions to give us a break from the high interest rate of the primary mortgage, but were turned down on multiple occasions. We did not qualify for a normal refinance due to the extensive debt we took on. 

We are now dealing with two structural repairs that need to occur on the home that cant be delayed for long, but in the end we want to be able to move out of our home. Our home has depreciated by XXXX, and no bank will lend us additional money for the needed repairs, and our property tax has increased drastically. With all of the factors involved we are 10 years into the disaster loan and 14 years into our primary loan, and still looking at an additional 8 years before we are right side up on the mortgage allowing us to move out. If I take on the additional debt to repair the home without a modification to our loan this will push us over our financial threshold and put us at risk of foreclosure. If the repairs are not made soon, this will put the home at risk of unrecoverable damage. 

We made one last effort to apply for a HARP loan, but no options were offered to take additional money out for repairs, and the bank is quoting XXXX in closing costs. We were denied a short sale, or loan modification by the primary lender, claiming we make too much money to consider. Wells Fargo manipulated figures to skew perspective to make a decision favorable to their company. SBA will not provide any reprieve and has threatened legal action if we foreclose. SBA claims that they evaluated our financial situation when the advised us to go this route, but clearly ignored my wife being pregnant that would lead to significant day care costs. They also lead us to believe this was our only option. Between the two banks I am trapped in a home in dire need of repair that I can't afford to fix or ignore.

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