vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
So on XX/XX/XXXX I call to chime bank because my employer sent me my paycheck to the account ( account and routing number given to me by chime bank on a pdf ) but I never receive the payment I call my employer and they tell me the money came back and gave me a check I call chime explain that to Them and one more time they send a pdf and tell me next my money was gon na get to my account so I send that to my employer and on XX/XX/XXXX my next paycheck was supposed to come but it never arrive till today I call chime on that date and they tell my money should be there by Monday I wait until money but on the mean time I call my employer and they send me a copy on the wired transfer ( I was told by chime they accepted that money ) on that copy it was saying pending and I told them that and they told me to wait until I was complete and never told they didnt work with that kind of transaction the bank that people send me the money it was from XXXX I have XXXX  XXXX and they care I got no money and I dont want to do I neeed to eat and they give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This Portfolio recovery account popped up on my credit report one day. I dont know this company and I have never done business with this company. They constantly change the account and move it around to start the dates over. As a business owner this a a problem to me because I do not know these people and they refuse to stop segregating my credit report.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX my daughter 's cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her College. I am in Colorado. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- United ending XXXX and British Airways ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within 24 hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX my daughter reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud operator. Initially I received an email reassuring me of the Visa/Mastercard guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my United and British Airways cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! Thank you, XXXX

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: VA

Complaint narrative:
Hello, On XXXX XXXX, 2021 I sent a letter via USPS Certified Mail to Transunion questioning the accounts being reported on my consumer credit profile. I believe the accounts being challenged on my credit report are reporting illegally and inaccurately. Transunion has not resolved my problem as to why these accounts are still reporting nor has the said creditors. It has caused a tremendous damage to me as a consumer and why I can not move forward in my work field nor apply for a home with my children. I know by law Transunion has taken a grave responsibility in ensuring the accuracy of consumer credit reports. I am a protected consumer and I believe my rights have been violated and that Transunion should block and remove these accounts immediately.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HireRight Solutions, Inc.
State: AZ

Complaint narrative:
Substantial delays with completion of report. Given inaccurate information regarding submission of documentation and what is accepted. 

Holds for information caused issues with pending job offers putting substantial duress on myself and family as I can not make firm decisions of what jobs to accept or decline as my first choice position with XXXX was heavily delayed by technical issues from hire right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I requested that my account be closed on XX/XX/XXXX. I received a message on XX/XX/XXXX advising me that I would need confirm my address in order to receive a check by mail. I confirmed my address the same day. 

On XX/XX/XXXX, the account had still not been closed and so I made another request. I was again asked to confirm my address. I did so on the same day. As of today, the account is still open.

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 fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Account XXXX with Rocket Mortgage. Rocket Mortgage continues to hit my credit report. Today I was informed about a NEW Account being set up with Rocket. Identity Fraud Keeps sending me alerts about Rocket Mortgage. I refinanced and am paying auto payments and am current! STOP HITTING MY CREDIT. I WANT ROCKET MORTGAGE TO STOP ANY AND ALL CREDIT INQUIRIES TO MY CREDIT OR ADDITIONAL ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Per customer service, and prior to my processing a mobile deposited check in past deposited by direct deposit to same account, CS confirmed 100 % funds will be available Monday, XX/XX/2022. 
XXXX customer service, 100 % funds will be available after processing " after midnight '' XX/XX/2022 even though I asked if XX/XX/2022 is banking holiday. CS stated, " no, it's a normal business day for Citi ''. 
1/18/2022-Per customer service, eventually escalated to " XXXX '' Acct Supervisor hold required removal " only by a branch '' while keeping me on telephone for over 1 hour while she attempted to " reach a branch '' until " no-one is available '' and someone would " call you back within 24 hours ''. XXXX gave me 2 telephone numbers and contact info per my request to XXXX XXXX XXXX and XXXX branch offices so I could attempt to continue to call for a hold release on my own. Left message XXXX for " XXXX '' to call me back. Found multiple various branch numbers ( 20+ ) online and attempted to reach a person, XXXX answered, XXXX XXXX XXXX left message for " XXXX XXXX who was to " call you back ''. No calls were received. 
XXXXAccount overdrawn, minimal funds available with check presented for payment. Attempted to call branches again, left message for XXXX XXXX XXXX who returned my call indicated he did not understand why I was informed a branch must remove this hold, as this is not correct. XXXX was to submit a compliant. Received a call from " Executive response '' XXXX XXXX XXXX XXXX voicemail to return call, returned call at XXXX, XXXX was to return my call. No call received. 
XXXXNSF fee and returned item transaction XXXX full deposit still not available. Received an alert message received, document in message box dated XX/XX/2022 stating check hold is not per teller, but is per letter. Why did I receive this XX/XX/2022? 
Called XXXX again XXXX spoke to XXXX, XXXX unavailable. message for XXXX will return my call. I've also received various email with various balance alerts. 
Citi is conducting unethical and improper practices by lying to it's customers in efforts to secure deposits, then hold funds XXXX, confuse customers, collect fees, and send back dated documents in an attempt to cover themselves for liability. My funds are still not 100 % available, I have a returned item, a fee of {$35.00} assessed, and no recourse or ability to remedy the problem. Assistance is manipulated to set up a customer so they have no ability to seek proper assistance or remedy. **NOTE document dated XX/XX/2022 was received XX/XX/2022 but dated sent XX/XX/2022.

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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was able to come up with some money to pay off my some debt due to losing a family member during the pandemic. I paid off my chase card in full before the due date. I was still charged interest. I called : My first call I was disconnected on as the worker picked up the phone acted as if they couldn't hear me then disconnected. Call two called in and got customer service, explained that I payed the card off in full before the due date and requested the fees to be waived. The agent refused. I asked for a supervisor he then transferred me to tech support. After explaining to tech support, he advised I was transferred to the wrong department and transferred me back to the credit card department. I then got to XXXX who was kind but again after explaining everything refused to waive the fees. I have paid thousands in interest. I have not had a fee waived close to 10 years. I've been with them for that long. The statement is deceptive in its wording and is a UDAP violation. The fees should be credited. It's insane I've had to go through all this to get {$170.00} in fees credited when I've paid {$300.00} in interest for the last several years. This is terrible service.

Company response to consumer: Closed with 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This new complaint against Bank of America is related to complaint # XXXX XXXX I filed with you XXXX XXXX, XXXX, against XXXX XXXX XXXX I made payments through both these banks to XXXX, a company claiming to provide lifelong computer tech support monitoring. ( The first payment was a check from XXXX XXXX for {$750.00} - that is the payment I disputed in my 1st complaint to you. ). This new complaint is against Bank of America ; I made 2 VISA pymts through them to XXXX XXXX & XXXX, XXXX, totaling {$1100.00}. I did not discover this co. was a fraud until they called me XXXX XXXX saying they detect hackers on my computer which is not covered by the package I paid for- I need to buy a new pkg. I filed a complaint with CT Atty Gen office which said to file fraud charge with Bank of America- I did on XXXX. 
XXXX, XXXX. They sent me a letter saying I waited too long to report it- but these hackers wait months between calls asking for more money to fix hacks, so I had no way to know within 1 month, that this was fraud, so it was impossible to report it to Bank of America that quickly. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I do not know what this is about. It was a computer and now they say they are part of a law firm, Aldous and Associates,

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: MN

Complaint narrative:
I am an authorized user on my mother 's credit card and it is showing on my credit report as a balance that I am responsible for

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2021 I received a bank alert from Bank of America that my new credit card had suspicious activity. I had not received this card in the mail yet so I was very concerned. I called and spoke with the fraud department and they said that my card had been used at XXXX XXXX for XXXX and then at XXXX for XXXX. I was told that after XXXX the card was used at XXXX but declined for suspicious activity. 
I explained that I had not received the card in the mail and was assured this would be taken care of. The card was cancelled and a new card sent out. 
A month later I see that the charges that had been removed from my card were back and received correspondence that I am financially responsible for the charges. They claim I used or allowed someone I knew to use the card. There was no basis for this decision other than the card was used and my name was signed. I explained again that I had never received the card. After receiving the new card I used it for a legal matter, which is the only reason I even opened this account. My history of credit use is not retail and grocery store. Further, I would not have even known that the card had been used had it not been from an alert from BOA. I also asked for the receipts with my signature to be sent to me, which I never received. I also pointed out to them that had I been shopping with my own credit card and it was denied at XXXX  I would call to see what the issue was. I have been a customer for almost 30 years with BOA and I am appalled at the lack of credibility. After reopening the claim, I got the same exact letter in the mail saying that I am responsible for the charges.

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 2022-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I called Regions Bank from a XXXX result for HELOCs. After speaking with a representative, XXXX XXXX who took my information and submitted the application, I got a call back a few hours later, from the same representative, saying I was approved and they had given a counter offer of {$18000.00} before the appraisal, and it was guaranteed regardless of what the appraisal came back at. That is something at the time I had her confirm, so to be sure it was guaranteed. Then on XX/XX/2022 the appraisal came back lower than the XXXX XXXX, and they immediately closed my application, did not honor their word regarding the counter offer, and I believe the appraisal was a very poor representation of the other sales in that neighborhood, the condition of my house, and the current house market in the XXXX XXXX area. 

I have had no luck trying to talk to Regions about their lies and inaccurate appraisal, as they said the application is closed and there is nothing they can do.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I placed an order online using my Asscociated Bank Master Card Debit Card for my checking account on XXXX XXXX 2021, Never received items and filed a dispute with the bank XX/XX/2021, Supplied copy of a letter from the XXXX XXXX XXXX in XXXX, Delaware showing that they found the company closed down, along with other complaints from people with the same problem, I also gave copies from XX/XX/XXXX of an email showing that they havent sent item yet, along with several pages of similar compalint from many people. Tried contacting the Company thru email since that as the only option on the website, and never received response, Associated Bank denied my dispute because they said the company shipped my items on XXXX, XXXX, 2021 with NO PROOF of shipping info, ( tracking number, shipping receipt ), Bank didnt bother to look at the 14 pages of Compelling information showing that the company was a scam, file a complaint and they refuse to revisit the complaint I filed with them, The bank has the worse customer service and the fraud investigation company does not have the customers best interest in mind, Would like the bank to investigate and look at the documents I gave them showing the items did not get shipped on date the scam company says it was

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft. On XXXX XXXX, 2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX 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 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: Experian Information Solutions 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, XXXX, Experian ) 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 explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: TN

Complaint narrative:
I took out a loan with Greensky in XX/XX/2019 in the amount of {$56000.00} for a construction project. After 29 months of consistent payments the balance is only down to {$46000.00}. My payments each month are {$880.00}. The merchant that originally connected me with Greensky told me the interest rate was 9.99 %, but 50 % or more of my payments are going toward interest and not principal. According to their site, I have now paid {$11000.00} in interest and only {$9700.00} in principal. Clearly that is not 9.99 %. If I had a clear understanding of how this loan was going to work, there is no way I would have agreed to this. I was mislead by Greensky as well as the merchent that connected me to them.

Company response to consumer: Closed with explanation