vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I have a Roth IRA with Ally Bank I contributed {$4000.00} over 5 years ago I took out {$3500.00} which is not a taxable. The bank sent me a 1099r for ealry withdrawl. It was not a withdrawl on earnings made from the roth IRA it was part of what I put into that account. I can withdraw contributions I made to my Roth IRA anytime, tax- and penalty-free. However, you may have to pay taxes and penalties on earnings in your Roth IRA. Withdrawals from a Roth IRA you've had less than five years

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: First Technology Federal Credit Union
State: VA

Complaint narrative:
Completed application only to be placed in an extended holding pattern for approval in. I provided all documentation in a timely fashion i.e., within 24 hours of their request. I was told by the representative with whom i spoke to that I would receive a response within 24-48 hours of their completion of verifying my income as part of the supporting documentation requested. The underwriting department has had my documentation for over 96 business-hours accounting for holidays and has yet to fulfill their word in which they stated they would be reaching back out 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 2022-01-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a loan with XXXX and have been a XXXX veteran I filled out the discharge papers and they were not taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OH

Complaint narrative:
I have a loan with XXXX and have been a XXXX veteran I filled out the discharge papers and they were not taken off 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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
XXXX reported an alleged account from XXXX now known as XXXX. My first knowledge of this debt was via email from XXXX which I never gave authorization for them to use. I am victim of fraud, so I responded asking for the original attempt to collect a debt that should've been sent via mail. XXXX ignored my email replies and continued emailing scripted responses and harassing me via telephone. XXXX has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the first date of XX/XX/XXXX by closing this account as of XX/XX/XXXX and re-inserting it under a different name XXXX with a new date of first delinquency XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX and the state attorney 's office.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
OPORTUN XXXX XXXX XXXX  fraudulently opened a credit card in my name. I have since forced them to close the credit card which I never activated as I did not want their credit card. However, the {$25.00} annual fee was not removed. I called on multiple occasions to have the fee removed and was assured that it would be removed, even here on the CFPB 's online platform in a response to my complaint from OPORTUN XXXX 

Yet today I received an email notice claiming that the annual fee as due! 

Hi XXXX, Your Oportun XXXX XXXX XXXX payment of {$25.00} is due today. There are many convenient ways to pay : Online If you have an online account, log in. If you dont, you can create one today to pay online with your checking, debit card, or savings account. 

By phone Call XXXX to use your checking, debit card, or savings account for a one-time payment, or set up automatic payments. 

In person Pay in cash at any XXXX location nationwide, including inside XXXX and XXXX. Bring your Oportun account number. Use receive code XXXX. 

To learn more about your payment options, visit Oportun.com/payments or call us at XXXX. Online and phone payments must be made by XXXX XXXX to credit account same day. 

Impacted by COVID-19 and worried about making payments? We can help. Call XXXX. 

Thank you, Oportun Oportun XXXX XXXX XXXX XXXX XXXXssues by XXXX, Member FDIC I immediately called Oportun Visa, and was told by a customer representative named XXXX, that the fee had not yet been waived although the account was closed and that she had pressed the button to commence the process of removing the fee! 

Due to the fraudulent action of this company in opening an account against my explicit instructions not to, and their demonstrated incompetency in removing the annual fee to date, it would prove imprudent to trust their ability and or willingness now. Therefore, I am submitting again a new complaint against them for their continued fraud against me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of 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 non-monetary relief
Consumer complaint received 2022-01-20 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: GA

Complaint narrative:
I submitted a request to Transunion regarding the bankruptcy that's on my credit report. They returned the results stating that they verified that it. I in turn sent a letter to the bankruptcy clerk and they advised that they do not furnish information to the credit bureaus.

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 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This complaint is against Capital One bank holding company at XXXX Capital One  XXXX XXXX XXXX XXXX XXXX. 

Regarding a personal credit card. 
I used my credit card multiple times over a period of XXXX  months at a personal friend 's bar/restaurant. I spent a lot of money there, which subsequently was flagged as potential fraud because of the amounts. I called Capital One to let them know that I did make the charges, they were legitimate, and I should be charged the amount in question. I was told that there was nothing Capital One could do as the issues were now sent to a disputing company called XXXX XXXX XXXX in XXXX, XXXX. Phone number XXXX. Capital One told me that the restaurant would need to provide proof of charges and go from there. I was refunded XXXX to my Capital One card and have arranged payments to my friend. 

But here is where it starts to get XXXX, and I am now having issues. The restaurant owner/my friend says he is up to XXXX letters of dispute for a total of {$1100.00}. And we aren't sure if he is going to get more letters. That is a {$400.00} difference that I now seemingly owe two companies, as I was not refunded it by Capital One. When I call Capital One to ask what is going on, I am told to call the dispute company. When I call the dispute company, I am told they can not speak to me as I do not own the business this happened with. I have no issue paying back my friend/the restaurant, but I can not do so without proof that he was not paid for these transactions, as I've said I only received a refund for XXXX  amount XXXX what he has received stating more. I need a resolution to this. I feel at this point I am being robbed by Capital One. And they have been rude and blunt on the phone in telling me they can not give me information. 

I would also like to state that a rep at Capital One told the owner of the business that I must have disputed charges against him. I did not and they could not provide proof that I did. I don't understand how it is legal for a company to lie to a business, but it is unacceptable. Capital One should have a policy in place that if they think something has the potential to be fraud, they reach out to the customer and allow them a time period to agree that it is fraud or disagree that it is not fraud. This should never have happened. I am at the point where I am worried that I may need a lawyer. I would like to know what happened to the money that I am being charged for, if it was not given to the business. Why am I still responsible if it was never paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
This debt was sent to insurance company back in 2019. I'm still being charged for it. And is showing up in collections on my credit report. I have disputed this and is not being removed. I do not owe this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FRAUDULENT TRADELINES WERE ATTRIBUTED TO MY CREDIT PROFILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
FRAUDULENT TRADELINES WERE ATTRIBUTED TO MY CREDIT PROFILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
My federal protected rights as a consumer and original creditor has been violated. I mailed written instructions to company to cease and desist on communication on collection of debts or I will take further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX sent me a credit card which i did not apply for. I called them and cancelled the account. They said that my social security number was used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
I do not know who ERC is. They have attempted to damage my reputation as a creditor and consumer by providing false and invalid information on my consumer report to coerce me into paying something they have not validated. I do not have a relationship with this company. I have sent them a cease and desist and ask them to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
FRAUDULENT TRADELINES WERE ATTRIBUTED TO MY CREDIT PROFILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

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 2022-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
This is a follow up for COMPLAIN ID XXXX CHRYSLER CAPITAL just came with another balance I'm supposed to pay after 2 year I returned this car and paid the full amount they asked me to pay. 

Now my account reflects {$370.00} They keep trying to charge me money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: GA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-20 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: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.

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 2022-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I Received numerous letters and phone calls regarding streamline refinance. I responded to the most recent letter and contacted the number provided within the letter and recieved no response. I contacted Carrington Mortgage Services LLC to request further guidance and the loan representative tried to pursued me to convert to a conventional loan and convince me that the conventional loan was a better option. I insisted that I am offered the terms indicated in the letter and the loan officer said that the terms don't exist. The loan officer insisted that the terms meant something different and I called his attention to the Reference number and the specifics of the streamline refinance offer. I insisted that I elevate my complaint to the manager. The manager, XXXX XXXX returned my call and on a taped recording asked for a copy of the letter. I provided a copy of the letter and the XXXX XXXX stated that the letter was not affiliated with Carrington Mortgage Services LLC. However, the letter provided Carrington Mortgage Services LLC FHA Loan. XXXX XXXX stated that the statement " XXXX Bank is not affiliated with your current lender '', confirmed that Carrington Mortgage had nothing to do with sending the letter. i am not convinced. I believe that either Carrington sold my information or in fact sent the letter. The address in which the letter was received is Carrington Mortgage Services LLC. I believe this was a bait and switch to pursued me the homeowner to contact Carrington Mortgage Service in an effort to convert my mortgage to a conventional mortgage. I recevie many calls from Carrington Mortgage Representatives that I disconnected my phone. I receive numerous FHA Eligibility Notice with RE : Carrington Mortgage Services LLC FHA Loan and Carrington Mortgage Services proclaim not to have any affiliations and do not honor the letter that appear to come from Carrington Mortgage Services LLC. I am concern that Carrington Mortgage is sharing my information and sending fraudulant letters to entyist homeowners to call the loan office and take advantage of opportunities to convince FHA loan customers to convert to a c onventional loan and persued homeowners to get rid of the insurance. I am innidated with letters and calls Referencing Carrington Mortgage only about FHA streamline refinance options that don't exist. Is this a scam? Does Carrington Mortgage LLC participate with these affiliates to share homeowners information with profit benefits? I contacted Carrington Mortgage to complain and was advised on recorded line that there was nothing that Carrington Mortgage LLC can do. If your customers are being harrassed and your name is being referenced, why don't this concern Carrington Mortgage LLC? Maybe there is an invested interest in the scam as the manager, XXXX XXXX from Carrington Mortgage Services LLC referred it to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I filed a dispute claim about unauthorized transactions with Blackhawk Network, the company shows on the back of my prepaid debit card. I had provided all the supporting documents to the company, but the company denied the dispute and refused to provide any explanation. 

The unauthorized transactions was the follow contains : Amount/ Date : {$490.00} / XXXX ATM withdraw {$4500.00} / XXXX in-store purchase $ XXXX XXXX in-store purchase $ XXXX XXXX ATM withdraw Toyal Amount : {$10000.00}

Company response to consumer: Closed with explanation