vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC
State: FL

Complaint narrative:
Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly a current balance due of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The full balance was paid by the dealer XXXX XXXX XXXX XXXX XXXX and therefore there is no outstanding balance to report. Please see items highlighted in yellow on the pages attached clearly stating this was paid by dealer. XXXX  is reporting correctly. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.

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 2021-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX  are reporting incorrectly a current balance due of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The full balance was paid by the dealer XXXX XXXX XXXX XXXX XXXX and therefore there is no outstanding balance to report. Please see items highlighted in yellow on the pages attached clearly stating this was paid by dealer. XXXX is reporting correctly. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.

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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america froze my " regular '' bank accounts. My checking and savings due to the fact that clients of mine used their " EDD bank of america '' cards to make payments to me ( because it's all they have XXXX Bank of America with the urging of Edd is saying they don't like the deposit type and saying that when the transfer comes in it has my clients name on it ( saying payable to them ) but that is untrue. It's payable FROM them to me that's why their name is on it. How else am I supposed to know who payment came from? They have lumped me into the legitimate fraud cases and it's not true. They've given me no recourse to prove these are legitimate. They plan on closing my account and keeping all my money and it's very obvious looking and reviewing my account that this is not fraud. Please help me. It's all I have. Sincerely, XXXX XXXX XXXX XXXX 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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Service
State: FL

Complaint narrative:
In XXXX of XXXX I lost my job due to COVID and was required to move across country to survive. I was told by my landlord that I could find a pay XXXX to list my home again and get out of my lease only paying anything my deposit didnt cover. They never listed my home, I found the renter personally on social media, then we were responsible to show them the home. The company fulfilled none of their duties for the money I was required to pay. The renter loved the house, I had the home cleaned and the renter wanted a wall mural ( removable ) that we had on the wall. The rental company employee XXXX said all of this was fine. We had the bone cleaned and it was in Better condition than my move in condition : I have photos. Of move in and video of move out. 

XXXX called me on XX/XX/XXXX said everything was perfect they found a renter and I was good to go. She asked me to have the utilizes shut off on the 1st. They then proceeded to retain my entire deposit and attach this monies to my credit report stating gone in disarray and damages and that they could not move the renter in on time. 

I requested specific invoices and proof of said damage and received nothing. My calls were avoided. They have never sent me any verification of the damages or invoices for the repairs that were made to take the entire deposit and I dont care, they can have it, I do care however that they are bullying me through my credit report and have never sent me anything to validate the amounts they put on my credit report. 

I want to be done with this company I refuse to pay more money that they are trying to fraud from me and I want the manipulation of my credit report to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 have submitted the FTC police report for the fraud items can you remove them please

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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new checking account with Chase online in XX/XX/2020 and did an electronic transfer for {$2000.00} from my XXXX checking account. They collected the funds then immediately froze my account for suspected fraud. They did not notify me of this but they gladly kept my money. I have had a relationship with Chase and a Chase credit card for years with a valid online ID which got frozen. I could no longer access any of my accounts. My money was gone and I could not get it back. When I called Chase they refused to send me a refund of my money and would not let me send in identification to show this was a valid account and their bogus {$200.00} new account offer was forfeited. Four months later I was advised I have to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this causes hardship hardship on me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but would not give me my money. They told me at the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and is a total dumpster fire and should be fined for their poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX : XXXX XXXX  I withdrew XXXX from an atm machine in the local XXXX that my bank app told me would not charge me any fees. Was on the phone at the time when I seen the door with my money in it close and a message came on the screen to contact my banking institution. I called right away and was sent forms to fill out. I completed the forms and gave a copy of the receipt as well. I was told yesterday over the phone that my claim was denied. All transactions are logged so they did not do a proper investigation in my mind simply because if they did they would see the actual transaction as well as my funds still in the machine. I am a XXXX veteran and this nonsense has caused me to suffer greatly and I will always fight for what is right in this world and not stand for any wrongdoings, no matter how insignificant they may seem to these banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, one of my creditors, TD Bank/Target, submitted an unauthorized payment in the amount of {$17.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). That payment was created in Target 's online account portal on XX/XX/2021, but I did not perform that action. I did create a payment through their online portal on XX/XX/2021. The amount of that payment was {$17.00}. I did not authorize TD BankXXXXTarget to submit the second payment that was created on XX/XX/XXXX on my behalf. Since I did not have sufficient funds in my XXXX  checking account when the second, unauthorized, payment was submitted, XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. 

Currently, I am enrolled in a 12 months Hardship Program with TD Bank/Target, but their letter does not indicate any automatic payments requirement, nor does it state that they will withdraw payments on specific dates of each month. The letter simply states that I will be required ( implicitly implied ) to submit payments before my due date ( XXXX of each month ). 

So, on the evening of XX/XX/2021, I called TD Bank/Target to inquire about the unauthorized XXXX XXXX XXXX payment. The TD Bank/Target agent who I spoke to suggested that I created the XX/XX/XXXX payment on XX/XX/XXXX. I can not recall if such information is correct, because I always pay my credit card bills manually and would not enroll in to a Hardship Program that forced me to elect automatic payments. 

Ultimately, I want to recoup any all fees and/or fines that may be levied against TD Bank/Target and XXXX XXXX XXXX XXXX XXXX. I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have some CDs at Ally Bank / Invest which I wish to transfer to XXXX XXXX Investments. XXXX is standing by, ready to accept the CDs. However, Ally continues to drag its feet and ignore my repeated requests for assurances that they will do this. 

Please help.

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 2021-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have a VA mortgage with XXXX XXXX XXXX , XXXX which is a subsidiary of LoanCare , LLC. This loan has been in an approved forbearance due to covid-related economic hardship since XX/XX/XXXX. However, since XX/XX/XXXX LoanCare has sent me several statements and demand letters stating that my loan is delinquent ( it is not ; it was current as of the date of forbearance ) and threatening foreclosure. LoanCare is also adding late payment fees to my loan balance. I have made numerous phone calls and email messages to LoanCare, with no resolution.

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 2021-03-04 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: TX

Complaint narrative:
I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands,

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 2021-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2021 I authorized a payment through Navient 's online payment portal for {$900.00}. On XX/XX/XXXX, Navient had withdrawn two payments from my checking account, one for {$900.00} and an unauthorized payment of {$1700.00}. I called and was transferred from one department to the customer service department. When speaking with the customer service rep, she advised that they had to request a refund with her supervisor and let me know I had to provide my routing and account number in order to receive the refund. I advise they had it on file since they took the money from that account, they should put it directly back into that account without me having to provide the representative my information. Again she said it was required, I asked for alternative methods to receive my money back, she did not present me any options. 

I needed this money back in my account so I provided the routing and account number. She then told me that the refund request could take up to 24 hours and that I would receive the money back within 5 to 7 business days. When I asked how I would be contacted to know if the refund was approved, she said they " do not do that '' and I would have to call myself. I asked what confirmation number or ticket number I had to provide when I call back, she said there was not one. I asked her why there was no one who was going to contact me, and why this was going to take 5-7 business days when this was an unauthorized transaction. I also let her know I had taken screenshots when I made the payment on the online portal and I only hit submit on the website once and had a confirmation number of 176710039C for the amount of {$900.00}. She did not answer my question, she just moved forward and said that I can call back tomorrow to see if my refund was approved. I let her know again it was not acceptable that they are taking money unauthorized, letter her know again I did not provide consent to that payment and asked why there is no way to expedite that money back to my account. Again she didn't answer, and just said I can call back tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to the covid 19, at this point, I have been overwhelmed with an identity theft/ or someone claiming they have control over my funds, which no one should have power over anything without co during me first.. I am homeless, in ssdi, and was able to get work for a year before I was laid off and stuck in the middle of pandemic. I had to get a room to be indoors and began fighting the identity theft that I really didn't discover until around XX/XX/2020. That was when my phone was stolen, I spoke to them and froze the account, but my sim card was taken along with my info. And turns out my number, just like that.XXXX. 
So, I have been looking for ways to get the assistance to cover my room expense, and each place I go online ; company site, card insurance for purchase, card company itself, the city, the gov. And fema, they all don't want to pay the cost of what they can get reimbursed for. So now about 6 months later, my credit score XXXX, is now like XXXX, and my ssdi, check has been messed up, no cash to live on but my credit cards, are all decreasing my credit, charging fees, rate probably up, and I can't afford to pay to get my car fixed now or for a room. I have had to keep what I could with me in my car, so so have all my stuff but one storage, maybe if someone didn't gain access without permission, with me. No one will half me as a victim, as homeless, on XXXX, or because it states the rules and regulations on line. So I'm about to be out in the cold once again with everything I pretty much own to wait for someone to help me. None of my credit. Cards, are really undsrstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021 Mr XXXX XXXX paid me {$21.00} for the btc buy and sell transaction, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently before the Covid pandemic. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
BofA closed my account after 8 years without any notification claiming I had used my credit card too much but there was no balance at all for years. I opened my account around XXXX. I have not used my credit card with BofA for years, but I'm doing some renovations and wanted to use my card now. I requested a replacement card and it arrived yesterday. When I tried to activate it today, I could not login to my app or online banking account because it said there were no open accounts. I spent 30 minutes on the phone speaking with one clueless rep after another telling me they didn't know what had happened either. Finally, one rep explains that after issuing me a replacement card they decided to close my account because I had used too much credit on my card. I explained that there was XXXX balance on my card and I hadn't used it in years. I asked what this decision was actually based on and without consulting me at all. She didn't know. She claimed a letter had been mailed to me and I should've received it last week. ( I've received all other mail without any issues. ) I asked how come I got numerous updates via the app and via email about the status of my replacement card, but that I have to call them to find out they closed my accounts without my authorization. She couldn't answer that either. I have been a customer with BofA since XXXX with no issues whatsoever ( no late payments, no large balances, nothing ). The whole thing is incredibly insulting and disrespectful. I moved back to the U.S. as an adult in XXXX and had to build my credit from scratch, despite have had my own credit cards since XXXX ( in XXXX ). I am employed, pay all my bills on time and own my house outright. I am not a credit risk - other than that I am an unmarried woman and I've been told by BofA branch staff before that BofA tries to avoid giving credit to single women, so is that what's going on here? I've spent the past 20 years doing research. Do I need to look into how many other long-term customers have had their accounts closed this year without warning? It'll be interesting to see how many of them were women and/or minorities.

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 2021-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Paid off an installment loan and it drop my FICO score 23 points, with Experian. My score has been going up and utilization down. But when my installment loan was paid off my score should have went up not 23 point down.

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 2021-03-04 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: NY

Complaint narrative:
transunion, XXXX and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.

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