vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
On XX/XX/2020 I received a call on my cell by a man acting as a Wells Fargo fraud employee wanting to assist me with possible fraud of an out of state charge for {$500.00}. He continued to ask me questions about this person, business and charge which I answered. I kept trying to get him to verify his identity which he did providing my checking account number as well as the past six checks I wrote. Then he persisted for about 45 minutes asking confidential information about debit card which I supplied pausing many times, sending text codes of XXXX and XXXX and to call XXXX, he said for my identity. He transferred {$5000.00} illegally to this name, XXXX XXXX with account number XXXX. He made notification changes, added this name as recipient of wire transfer and made all changes while holding me on the phone. I am a retired XXXX year old XXXX  and my XXXX yr. old daughter who was present were tricked by this impersonator of my {$5000.00} savings. I have discussed this 4 times with my local branch, called the fraud department minutes later and on the phone .3-4 times for their quick less than 10 day investigation findings showing they cant recover my money and the problem maybe my computer compromised. This is unacceptable that my account was not secure and money unprotected. I filed complaint with FTC, am going for police report and DA. Can you help me, 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 2021-01-19 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: TX

Complaint narrative:
During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.

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 2021-01-19 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: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 explanation
Consumer complaint received 2021-01-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX of XXXX I hired the services of a XXXX XXXX. I used my credit card to pay {$1600.00} for a total of 26 sessions. The issue started when there was a duplicate charge on my account for the same and from the same merchant. The owner of the company told me it was a mistake and the easiest resolution would be to contact my Credit Card and ask them to refund the purchase. I did just that, but for whatever reason the XXXX XXXX XXXX refunded me as well which ultimately netted in a XXXX  charge. He charged me again, which made sense as I needed to still pay the full amount for the sessions. Unfortunately this cycle continue and different accounts were used to charge my card for the charge amount of {$1600.00}. I eventually decided to terminate my working relationship with the trainer as my finances were in jeopardy based on what I was starting to suspect was fraudulent behavior. Chase refunded some of the charges, but there are still outstanding charges on my account. There were several phone calls with Chase when this first happened and I provided documentation via their online inbox system. Initially I didn't hear back but then was later told that they were not able to reach the merchant. Not that my claims were false but that they couldn't reach the merchant. I revisited the issue in XXXX as I was trying to get my finances in order and I gathered all of the documentation I had and sent it to Chase. They concluded their investigation by saying that because of the time that had lapsed the charges would remain. All of the documentation submitted then I will upload here for reference. I don't understand how I can be responsible for fraudulent and duplicate charges. Three different vendor names, all orchestrated by the same person was used to charge me the same amount over and over again. The data alone should show there is an issue regardless of lapsed time. I stopped using the card ages ago out of principal, because Chase is not protecting its consumers. I have essentially been paying interest on disputed charges for years because Chase won't address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have never applied for an account with this company or given them authorization to insert any accounts to my personal credit profile. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted at my personal number by an individual claiming to be XXXX XXXX, he was claiming to work for XXXX XXXX XXXX. Individual called from XXXX, provided call back number XXXX. Individual had all my personal information. Including names of people in my household, SS number, and name of bank I used to bank with back in XXXX. Individual threaten to file a criminal case with the County for IBC and Defrauding a financial institution. Individual request payment for {$500.00} claiming to be owed to the cash store for a loan opened in XX/XX/XXXX. Individual request payment with a credit, debit, or prepaid card. Informed individual I would call back with information. After the call was disconnected I did some research. I contact the Cash Store for further information. No account was found with my personal information from XX/XX/XXXX. I googled clear source solutions wasnt able to find a company under that name. The only company I found was clear solutions. I contacted them and provided my personal information, no exiting account was found. I called back the individual claiming to be XXXX XXXX and requested individuals employer address he refused to provided the information. He stated, l make the questions and you answer, I will give you the address after you pay, what do you want the address for anyways. I replied, if Im going to liquidate a debt I have the right to have this information, he replied, stop calling me and disconnected call. Individual refused to identify his license number or send a notice in writing of debt he was claiming. When call came in it was a recorded line stating there was a pending summons linked to my personal information and I would be served by the courts, individual claiming to be XXXX XXXX also disclosed he worked for the government, with litigations. Tried to call back individual after he disconnected call, was unsuccessful reaching him again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have tried to work with Ally Auto to manage my payments due to Covid-19 loss of income. I have filed numerous complaints against Ally and the Executive Management Team tells the CFPB that they are trying to work with me. LET ME BE CLEAR-THEY HAVE NOT MADE ANY CONTACT WITH ME. They are lying to you guys and not calling or attempting any type of communication. Now, with that said, their collection department calls me EVERY DAY AT WORK. I answer and tell them EVERY DAY TO STOP CALLING MY WORK NUMBER. They do not listen, one guy laughed and they continue calling my work number every single morning. I have tried to get them to stop calling from the collection department to my work number. Again, they do not listen. If they are doing this to me, they are doing this to many other people. 

Also, do not believe that their executive team works with the consumer when a complaint is filed. They have not attempted to reach out to me at all. If you all have other complaints to Ally Auto, I would reach out to the other consumers and see how well their complaints are handled. As I said above, no one has bothered to reach out to me except their collection department to my work number even though I ask them to stop calling my work.

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 2021-01-19 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: Westlake Services, LLC
State: NC

Complaint narrative:
There are unknown hard inquiry on my credit report XXXX. Im requested the verification of the inquiry and the method of verification. WESTLAKE SERVICE INC, Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was approved for a hardship with my credit card. My interest was lowered and a set minimum payment was put into effect on XX/XX/20. The bill for XXXX showed the old higher amount due. I paid the minimum due per the hardship agreement. This continued for months, each time I was informed the hardship amount was the correct amount and to disregard past due amounts. In late XXXX a delinquency was posted to the credit unions showing past due of the difference for over 30 days. I filed a complaint on all 3 credit unions and called BBVA again. On XX/XX/XXXX, XXXX in hardship found the problem and corrected it. However on XX/XX/XXXX, another delinquent amount was shown being over 30 days past due in the amount of {$0.00}. I have never been delinquent on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account was compromised and funds where taking from my account fraudulently XX/XX/XXXX exceeding {$2000.00}. I reported to the bank and also made a police report. I have followed up with the bank on numerous occasions XX/XX/XXXX, XX/XX/XXXX ,XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX have not received any head way on the investigation. Also I returned all signed documents they sent me on XX/XX/XXXX via email & post office they cant even tell me if they have received it back. 
Next I have a transaction return of {$310.00} returned to my account on XXXX I dont see it in my statements nor does it reflect in my balance but when I called they said they can assure me its there. I added my total and the balance seems to reflect that it has not yet posted. 
They also mentioned that credits do not reflect in transaction history but this is also false because I have past transactions that have reflected a return amount. 
Im in desperate need of help I feel like Im dealing with a fraudulent institution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: FL

Complaint narrative:
This company calls every day, they dont say the name correctly, wont give any other info, but say they " will do what they have to '' and say it as a scare tactic. I believe this company is trying to scam people. 
In XX/XX/XXXX alone they have called 14 times and today is XX/XX/XXXX. 
They have called XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX dead silence, XXXX at XXXX told them to stop calling & XXXX I did not answer, XXXX, XXXX at XXXX & XXXX, XXXX, XXXX XXXX & XXXX. 
In XX/XX/XXXX, calls everyday as well and in XXXX I advised them to stop calling earlier in the month. They continued to call throughout XXXX, but I did not answer.

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 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: OR

Complaint narrative:
eToro is a cryptocurrency exchange. I have holdings of XRP. There is a pending investigation with the SEC and XXXX hence, eToro notified all holders of XRP to transfer to a wallet or sell all positions by the XXXX of XXXX, 2021 or risk losing all holdings. I attempted to transfer to the eToro Wallet exactly as they instructed and it said the " request could not be executed. '' I have submitted three separate complaints all which have not been responded to. Their website also says to utilize their 24/7 chat services. Every single day the website states the " chat services are not available ''. 
Today the XXXX of XXXX, 2021, I received an email from eToro stating my XRP position was closed for a tremendous loss of currency. I did not initiate nor authorize any such transaction. The email stated that if any error is found, I may call their number. Called their number and " your call can not be completed as dialed. Please check your number and dial again. '' The number is XXXX eToro. I will add supporting documentation. I have records and receipts and printed documented proof of all material.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.

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 2021-01-19 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: TX

Complaint narrative:
I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.

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 2021-01-19 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: TX

Complaint narrative:
I had a Checking and Savings Account with Citibank Texas and at the beginning of XXXX they decided to close my account for reasons that remain unclear. Since that time I have called Citibank over 200 times requesting that they send me my {$26000.00} that was in my account. Each time I call Citibank, the customer service give a wide range of different and conflicting responses such as check was mailed out to you already or that it will be there in 3 business days. It is clear to me that for whatever reason Citibank does not want to release my funds. Therefore, I have no option but to expose them for their bad business practices.

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