vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I bought a XXXX XXXX for cash, in XXXX, from XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. Car 's identification number is : XXXX. When I bought the car, I fully paid for it with no loans. I fully paid for it when I bought it with no car loans. I went to get the title from XXXX XXXX, on XX/XX/XXXX, and I was told that XXXX  ( XXXX XXXX XXXX XXXX  MD ) is the lien holder and I need a lien clearance from them. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX who told me XXXX is no longer the holder of this lien and Ally Financial, phone number XXXX is the lien holder. On XXXX I called Ally Financial and they told me they did not have access to this older file and higher management has to review it for 48 business hours. They told me they will call me and that they CAN NOT email me about this case. This concerened me because they said they can not email me for updates. When I asked for an email regarding this case, they said they can not use email for this older file. They generated a reference number for my case which is XXXX. I asked why a car that was fully purchased without a loan, in XXXX, had a lien on it and they said they did not have access to the file and higher management has to look at it and it is possible that it was sent to the lien hold section by mistake. I am concerened that they have put a lien on a car I bought in XXXX and paid fully for it at the time of I bought it. I should have the car 's title. Can you please look into why this institution has a lien on my car and they have not remedied this situation by sending a lien waiver to me or to XXXX XXXX. Thank you.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a charge on my capital one account for a charge I did not authorize. The charge came from a company online site called " XXXX '' for something called a " charge back '' of {$1000.00} received on XX/XX/XXXX for an authorization on XX/XX/XXXX. I had only done business with this company for an online purchase XXXX TIME on XXXX on XX/XX/XXXX for a software update for my automobile which only cost {$140.00} ( Which I have the invoice for ). I didn't notice unauthorized activity in my account as I had many large amounts of transactions going in and out. It wasn't until I did an audit of my account and noticed the fraudulent charge. I then contacted capital one about the issue and started a claim on it XX/XX/XXXX which was denied after sending them information on the on the matter such as the invoice for the order I actually did for {$140.00} on XXXX XXXX. It was denied. Then I reopened the claim on XX/XX/XXXX and sent them additional information such as emails and correspondence. I also sent over my findings of websites with other consumers having this SAME issue with this company. My claim was yet denied again. I did some digging and found out the folks ( XXXX ) who " bought '' the company and reached out to them only to be told that they didn't have access to the original site and that i just needed to file a claim with my bank. The reason capital one kept giving for the denial was because my information was correct on the charge. However, I provided that same information for the purchase made for {$140.00}. So the company used that information to make the mysterious " charge back '' purchase a WHOLE year later! This was clearly fraud and contacted Capital one multiple times on this issue trying to get them to understand that. It lead to my account closing because I was not responsible for that charge in anyway and was not going to agree to pay for it. And to see that others experienced the same problem is beyond me why they can't do anything more about it. The " XXXX '' was taken down and there are no records of anything which clearly indicates some suspicion. The matter is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
There is a hard inquiry on my report that I did not authorize from CAPITAL ONE BANK USA on XXXXXXXX XXXX XXXX and on XXXX XXXX  This is a form of identity theft and would like for it to be removed from my account. I reached out to the company and they informed me to do a dispute against it so that's what I'm currently trying to do. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Since XXXX when I began a contract with Ally Financial. They have committed fraud on this account Multiple times. Ive sent in many forms of tender of payment. Such has registered securities that have been kept by the company. And the credit not applied. I recently XXXX sent a registered security registered mail. They refuse to apply to my account and are harassing me by telephone about a payment. Theyve reversed payments which I have proof of. Refusal of discharge by law it automatic discharge. I just received my credit report it shows the account was paid in full and closed. Ally reopened the account. I need help ASAP they have illegally repoed my vehicle multiple times. I have proof of all the fraud they have committed

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 2022-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. The account is No name Acct # XXXX, {$340.00}, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A credit card was applied for in my name on XX/XX/2022 for an XXXX XXXX credit card. Application was submitted to Bank of America. BOA notified me and I contacted them and they cancelled the application and are going to flag it as fraudulent..

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I purchased an item at XXXX XXXX online on XXXX XXXX, XXXX  with my XXXX debit card through Chime Bank. Order number XXXX. After receiving the item, I decided that I did not like the quality of the material and returned it back to XXXX XXXX with a prepaid label from the merchant. Received an email from XXXX XXXX on XXXX XXXXXXXX XXXX  stating that they received my return and will be issuing a refund immediately. To allow 3-5 business days. On XXXX XXXX XXXX  after calling XXXX XXXX to get a status update, I was informed that they tried to initiate a refund to my acct. and that it was rejected and declined from chime. They tried unsuccessfully several more times in the coming days with the same response. I called XXXX XXXX on XXXX XXXX XXXX and was given a transaction number when they tried to initiate this refund with me on the phone. Transaction XXXX XXXX. Message was, refused credit card, declined. I Immediately called Chime and spoke with several different supervisors with the same outcome. No such transaction on my transaction history. They could not offer me any reason for why my refund would reject. They offered to do a dispute but I would not qualify for a provisional credit. That this so called dispute could take up to 90 days. First of all, they reject my refund with no explanation as to why and then want to make me wait an additional 90 days for my refund that was due to me over 2 weeks ago. I am very frustrated by all of this and very dissatisfied with Chime at this point. I have tried unsuccessfully to reach a corporate office or any other entity to help me with this. I am asking you to please help me to resolve this. I am at the mercy of Chimes customer service agents and supervisors who are clearly not in the US. When speaking with them, Its hard to understand some of them and I feel like this problem is above their knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Our mother is a victim of XXXX XXXX, and was scammed out of {$50000.00} last XXXX. 

On XXXX XXXX XXXX my wife, mother and I went to the local Wells Fargo branch in XXXX XXXX, AZ to withdraw the remaining funds in her account. My wife was added to her account. We were told an alert would be placed on her account, and that my wife would be notified if any transactions over {$2000.00} occurred in either her Checking or Savings accounts. 

On XX/XX/XXXX we received a call from a WF office in XXXX XXXX that a check was being cashed for {$4500.00} and my wife was able to decline the transaction. 

About a month ago we were notified all her money is gone. We went to the branch and the same representative felt sorry and submitted an escalation as to why the alert didn't work. 

We received follow-up calls from WF, and their decision was that an alert was never in place. 

This is not true, and we would like this investigated.

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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Just following the links online and following recommendations. I received a call yesterday from XXXX. Caller Id indicated it was Transworld System Inc. They said an account was sent to collection on my name. I happen to have excellent credit so I didn't understand what they were talking about. Hung up then phone. 

After googling their name out of concern I though they were a real collection agency ; called them back asking what account they were talking about, they asked me my birth date for " verification '' then they were attempting to ask further questions ( questions that sounded exactly like the questions that they use in websites to verify identity... have you lived in address XXXX, what color is your toyota xyz ).. I didn't answer any of them and insisted to provide me info about the account they supposedly had on me. None of this sounded right and I believe they were attempting to apply for something or open something under my name. I confronted them and they ended up hanging the phone on me. 

I am XXXX XXXX XXXX  myself so I am very familiar with phishing practices and social engineering. On top of that my all my credit files I have them frozen. So I am not very concerned on what they would be able to do to me. They obviously already have partial info on me. 

I am really writing out of concern that these people are let free attempting to do harm to innocent people that might fall for this practices. It's very elaborated and they sound legit. 

Doing my good duty and reporting the events. 

Please let me know if you have any questions, Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This complaint against Comenity Bank ( who now think they can distance themselves from their massive issues by changing their name to Bread XXXX ) is due to the fact that even though I paid all the valid charges of this account and shut off the cards associated with it, they are holding my bank account information hostage in their system. I am unable to delete my bank account information because they have posted fraudulent pending charges from XX/XX/XXXX XXXX  and XX/XX/ for over {$8000.00}. These are charges that were already been paid on time and in full. I contacted them several times by phone and through their message system, since the beginning of XXXX XXXX Their agent XXXX, promised that these fraudulent charges, that suddenly reappeared in my account, would be removed within two days ( that date of removal would be XX/XX/ ). As of today, the fraudulent charges remain stuck in pending and have not been removed. Because they will not correct this, it is preventing me from deleting my bank account information from their system. I am not leaving my account with my current bank account information in it for them to steal my money. 

Since their IT upgrade in XXXX XXXX their systems are a train wreck and they have continued to compound the problems by falsely promising resolutions within two business days and fail to do anything to resolve these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
So I came home Tuesday XX/XX/XXXX to an alert on my watch that some charges had occurred from a merchant XXXX XXXX live for 9 transactions each for XXXX cents so I knew I had been hacked, so I called chime to cancel the card firsthand in case anybody got ahold of my card numbers and my card has been on me all along, that's when I proceeded to check my account activity for any other charges that may have occurred because this is pretty much my secondary account and I don't always monitor every single transaction that is done on it, but I discovered a transaction from a merchant called XXXX  and the charges dated all the way back to XX/XX/XXXX in the total amount of {$22000.00}, so I filed a dispute with chime that morning around XXXXXXXX XXXX, the same exact day it was denied, I couldn't obtain a police report for it because the authorities told me it was a online account and not a physical bank and I would have to contact chime directly, I wrote a detailed later to chime support to see if I could get a rebuttal and they would reopen my case, that was also denied, one of the reasons in the decision letter stated that I have prior history with the merchant XXXX  and I don't even have a XXXX  account at all. I proceeded to try and get in touch with the merchant XXXX to see if they could give me any information on who could've made these transactions and you can't even speak to anyone on XXXX unless you have an account with them, and this was me calling the XXXX number that's on XXXX which directed me to go to help.XXXX which I basically had to try and communicate to a somewhat live agent bot which I provided pictures of that conversation to chime as well. Then to add insult to injury I got a letter yesterday on XX/XX/XXXX saying that my chime account will be closed on XX/XX/XXXX which makes it seem even more fishy. It is TONS and I mean tons of online complaints about this company and how they don't want to give anybody any of their money back which was stolen and that makes it seem like their whole company is a sham and not operating under any integrity whatsoever. I just need some help and I ask that you please do anything you can to get my funds reimbursed to me because they are not going to do the right thing no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo debit card was stolen in XX/XX/XXXX and charges were made for XXXX while it was not in my possession. Wells Fargo is telling me I am being blamed for the charges made and the funds will not be refunded to me. I have no idea who used my card and I have been depositing money on my account for years & even after I received the new card ( after fraud took place ). If, in fact, I stole my own money, I would not have deposited over {$4000.00} into said account for the bank to take my money. I wouldve let the account close and opened a new account with another bank. I feel like I am being discriminated against ha & accused of stealing my own money. I spoke with numerous representatives and they all told me multiple things. They all told me that they do not have any evidence that I stole my own money but they BELIEVE I know who took my money. I do not BELIEVE personal beliefs should be a deciding factor in this financial decision. My account has been in great standing since it was opened in XXXX. There is no reason to BELIEVE I would steal my own money from my own account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a CitiGold Checking account on on XXXX/XXXX/2022 pursuant to a promotion mailed to my name and address. The mailing promised a {$1500.00} bonus for depositing {$200000.00} and maintaining that balance for XXXX days. The bonus promotion allowed the {$200000.00} to be kept in a CitiGold Savings account, which I opened the same day, to ensure my funds would earn nominal interest. On XX/XX/2022, I deposited {$200000.00} into my CitiGold savings account, and have maintained that balance ever since ( well beyond the mandatory 60-day period ). On XXXX/XXXX/2022, Citi posted a {$1000.00} reward to my checking account. On XXXX/XXXX/2022, I contacted Citi to thank them for the {$1000.00} bonus, and to ask when the remaining {$500.00} would post. A representative named " XXXX '' said Citi would look into it, and contact me by email. I received no email. On XX/XX/2022, I contacted Citi again. A representative named " XXXX '' confirmed that I had satisfied the requirements for the {$1500.00} bonus. XXXX also said no investigation had previously been initiated into my inquiry for the remaining {$500.00}. XXXX opened an investigation into the matter, and gave me reference number XXXX. As of this XXXX writing, I've still received no answer, and the promised remaining {$500.00} has still not posted to my account. Attached to this complaint are my account details evidencing that I've maintained {$200000.00} for more than the 60 required days, and my correspondence with Citi.

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 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: SC

Complaint narrative:
Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.

Company response to consumer: Closed with explanation