vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
For over three weeks my account has been blocked by ally bank, I contacted the bank and was told funds are being directly deposited into my checking account from another party, I then advise them the other party is my son, they then advise me I maybe violating the terms of the account and an investigator will get back to me within 48 hours but they never did. I have since contacted the bank many times but no one was able to advise me on the way forward and thy continued to hold on to the account funds. I read Ally bank agreement and I interpret the attached circle paragraph to mean family members are allowed to use the account, if this is not so then I ask the bank to either forgive the mistake and return the account to good standing, or closed the account and return all money on deposit.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Over the last year we have seen the interest charged on our JCPenney card go up and down while the interest rate has slowly gone down and no new charges have been made. Here is a list of payments and interest paid over the last year : XXXX Payment Interest APR Rates Charged XXXX {$200.00} {$140.00} 27.99 % 26.99 % XXXX {$200.00} {$140.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 25.99 % 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$170.00} {$120.00} 25.99 % 25.99 % XXXX {$160.00} {$110.00} 25.99 % 25.99 % XXXX XXXX {$170.00} {$120.00} 25.99 % 25.99 % I have contacted the company and was told the interest amount changes are based on how long the balance has been at that level. This explanation make no since to 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 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc LLC who is a subsidiary company for Encore Capital Group- have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a XXXX XXXX XXXX credit card I am still working with XXXX XXXX XXXX.. They also had someone come by my house!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Contacted J.P. Morgan Chase Bank Customer Claims Department in XX/XX/XXXX to file a dispute for three separate transactions made in XXXX, XXXX, and XX/XX/XXXX. These transactions were for a trip made to a merchant that was supposed to happen the first week of XX/XX/XXXX. The trip is no longer going to happen on the established dates of XXXX-XXXX, and has yet to be rescheduled, thus, making this an item/service I did not receive. I have requested a refund from the merchant on three separate occasions, and have still yet to receive a refund. Chase initially issued me a temporary credit when I called back in XXXX, then in XXXX they reversed the credit, stating that the dispute is " invalid '', even though I provided them with all of the supporting documentation and evidence they requested of me. The last time I contacted them on XX/XX/XXXX, they recommended I contact XXXX. When I contacted XXXX on the same day, they stated they could only escalate one of the transactions to a claim because 180 days had passed ( XXXX 's dispute policy ) for the other two. At the end of that call XXXX recommended I call Chase back to see if they could do any more on their end! Now had Chase not given me the runaround, letting an entire month go by, maybe this could have been resolved by now. I have been a Chase customer for almost ten years and have had zero issues with my disputes being approved, but now I am planning to move my money in the new year to a new bank that desires to help their customers and take their complaints seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
This debt is for an alleged debt with XXXX. Originally the collection was XXXX I disputed the collection action/debt and it was removed from my credit report. 

Now obviously the debt has been sold to another collection agency who reported the debt to the credit reporting agencies. 

I have received no communication from the collection agency in regards to this debt. I have requested proof of the debt ( ie signed contract/s, copies of my identification, etc ) To date no proof has been presented for this debt. 

I filed a dispute with XXXX today XXXX and received notification today XXXX that I am responsible. What kind of investigation can be done in 2-3 hours and where is the written proof that I'm responsible for this debt. 

I have advised on numerous occasions that I am unaware of the account in question and that my identity was stolen. Still no resolution. 

If you look at my credit history I don't have any collections. I'm not financially irresponsible nor would I ignore a legitimate debt. 

This is impacting my credit and it should be removed.

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 2021-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX who is a subsidiary company for XXXX XXXX XXXX have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a Capital One Bank credit card I am still working with capital one one.. They also had someone come by my house!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Send them numerous letters to show proof that I owe the amount being reported, but they have refused to provide proof since XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint against Experian in XX/XX/2020 and they did not respond to let me know they deleted the fraudulent collection accounts. It has been more than 30 days and I need these last 2 items removed, XXXX and XXXX has complied already. I am filing a second complaint again experian because they have taken more than 30 days again. Today is now XX/XX/2020 and I just had my daughter but I am under a severe amount of stress because Experian is not following my rights as a consumer again. Please help 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 2021-01-01 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: CA

Complaint narrative:
I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to Transunion, Delivered XX/XX/XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX TU Tracking : XXXX XX/XX/XXXX XXXX  Tracking : 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 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My blue bird card was stolen I called to get it cancelled witch I did but before I could give out the new address to customer service the woman had already hit the button to send out a new card I tried to explain to her that I was no longer at that address I was in another state she told me it was to late I would have to wait my 7 to 10 days and if I didn't get the card to call back in .. I have been trying to call back in to customer service for 2 days now with no luck I want to speak with someone about how this went about I now am going to have to wait 20 days just to get my card an my money ... I am not happy!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google Pay was offering a {$21.00} cashback promotion after spending {$50.00} at XXXX. I saved the offer in my Google Pay account in early XXXX. On XX/XX/XXXX, I checked my account ; the XXXX offer was still saved to my account in the app, so I proceeded to spend {$50.00} at XXXX on XX/XX/XXXX. I did not receive the {$21.00} cashback from Google. 

I tried contacting Google for help but they said the promotion had ended. However, this is extremely deceptive marketing because I double-checked my app right before I made the purchase, and the offer was still standing. If Google wants to end a promotion, then they ought to take down the offer. I was " tricked '', essentially, into spending {$50.00} at XXXX that I would not have otherwise done because I thought I was getting {$21.00} cashback for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with American Express. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that XXXX XXXX XXXX had taken over for AMEX. In fact, when I called AMEX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to XXXX XXXX  XXXX. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called XXXX XXXX XXXX  to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the XXXX XXXX XXXX office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. XXXX XXXX  XXXX finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am writing a complaint against Citibank they closed my account about 3 months ago yet they have a balance in the checking account that says it's available for {$3400.00} I was not expecting that money to be deposited into that account anyway and I already had my benefits transferred to another Institution so why does this bank still have the checking account still open and they're telling me that is closed every time I call them they tell me they're supposed to send the check or send the money back and they never do what I want is the bank account closed if they say they're going to close it then they need to close it because I am not using their financial institution anymore and this was their choice so I'm not sure whether to contact the lawyer because Citybank is not telling me anything

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 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
XXXX changed servicers of my home mortgage from The Money Source to XXXX XXXX. I made a mortgage payment on XX/XX/XXXX to The Money Source, they didn't send that payment to XXXX XXXX. XXXX said it would transfer by XX/XX/XXXX, it hasn't, now they just keep saying they will keep following up with no results. From what I read online, many people are struggling with this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 someone open an account on my behalf with my social security number in South Carolina with TD Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 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: CA

Complaint narrative:
I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX  XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Tracking : XXXX XX/XX/XXXX EQ Tracking : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS XXXX : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to Experian XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX  Tracking : XXXX XX/XX/XXXX XXXX  Tracking : 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 2021-01-01 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: AL

Complaint narrative:
They have accounts with XXXX XXXX XXXX XXXX  XXXX al XXXX and its never been my address but refuses to delete the information

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 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited XXXX for a sign up bonus and they never credit me the {$750.00} sign up bonus.

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