vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The bank is called BMO - Alto.

I assumed they were directly connected to the massive bank of BMO. However, BMO does not have a single link to BMO-Alto on their website. 

I found their high yield savings account from multiple investing tip websites XXXX XXXX XXXXXXXX ) and opened a XXXX  with BMO-Alto. I deposited {$50000.00} from my BoA savings account in the the XXXX, planned on closing my BoA account, and opened a XXXX  account in which I have multiple other credit cards associated with just to have my direct deposits and credit card payments all in XXXX place. After reading multiple reports online of BMO-Alto losing money/wires/etc or not allowing withdrawals I immediately tried to withdraw the entire {$50000.00} into my new XXXX account. Of course these would seem suspicious/fraudulent so I understand. I received an email stating there was fraud detected and the withdraw was cancelled, additionally a phone call from a XXXX phone number stating to call them immediately at a XXXX #. I tried to log in but they have locked me out of the account. I called the ONLY number on their website which was an XXXX # and after verifying my account she said there was nothing she can do and I needed to call an XXXX #. This is massively concerning and would love the help to get my life savings out of this sketchy online bank. 

I apologize for not doing my research, it appears many others have gone through similar situations. 


I see this XXXX be publshed - DO NOT OPEN ANY ACCOUNTS WITH BMO-ALTO. 

The number I was given from the XXXX number claiming they are BMO-Alto Fraud department is = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my last Complaint trying to rectify the issues pertaining to the unauthorized information on my credit report through this avenue. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ; which have ALL been provided to you before. [ See attachments ] All information needed to rectify the issue are in the attachments in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following is a brief summary of the unauthorized information and accounts that do not belong to me and should be removed from my credit report immediately. 
-Nonmailable Addresses -Unauthorized Accounts -Unauthorized Inquiries THIS IS NOT MADE IN ERROR!!!!!!!!!!!!!! I REPEAT THIS IS NOT MADE IN ERROR!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
I applied for the XXXX repayment plan on a joint application with my spouse through XXXX, and my payment went up from {$260.00} to {$550.00}, when XXXX had estimated my payment to go down. 

On XX/XX/23 they said that my new monthly payment would be {$170.00}, and then on XX/XX/23 they sent another letter saying that my payment amount chenged to {$550.00}. 

When I contacted XXXX for support with this, they recommended that I file a claim with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
REMOVE FRAUDULENT UNAUTHRIZED ITEMS. 

UNAUTHORIZED FRAUDULENT DEROGATORY MARKS/COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Refer to prior CFPB complaint XXXX which was closed but should not have been. 

Paypal refunded my money subject to the prior CFPB complaint XXXX BUT the big problem is that now I am unable to withdraw it from the Paypal wallet . First, I tried to withdraw my account balance of {$730.00} to my checking account which I've always used with Paypal for probably 15 years. I linked it successfully by logging into my bank account through the Paypal website and then initiated a withdrawal. The next day Paypal summarily denied this withdrawal claiming my bank denied it, which they did not and nor have I ever had issues with my bank with Paypal or any other ACH transfer. Then I tried to add my XXXX  XXXX XXXX account by logging into it through the Paypal website. This seemed to go through just fine on my bank 's side with Paypal 's partner XXXX, but Paypal wouldn't let me add that bank account. Then I tried to add my XXXX XXXX account ( XXXX XXXX XXXX ) by verifying two trial deposits. Instead of posting the two verification deposits and then withdrawing the same amount, Paypal just took XXXX cents out of my account without depositing anything. So now I have no way to verify the account and Paypal stole another XXXX cents from me!!! I am sick of this company. First they didn't pay my credit card on time, then they sat on my money for 3 months while giving me the runaround even after a CFPB complaint, then they waited till the end of the 60 day timeframe the CFPB gives them to finally refund my money which I had asked for all along as they took their sweet time to figure out where my money disappeared ( which they still have not figured out to this day ), and now after refunding my money, they have trapped it and are not letting me access it or withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX  customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXX customer service representative XXXX 

I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.

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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
In XXXX I emailed my loan servicer XXXX XXXX XXXXsnsc.XXXX/ XXXX representative XXXXsnscXXXX  that my loan payments were not on my credit report. I was told previous servicer didnt report payment history ( not true ), I was told it took 6 months, I was told he had to put in request, I was told I had a late payment which would impact reporting ( no true ). I made a complaint to XXXX XXXX and had several communications, and no resolution other than advised to contact XXXX federal agencies. 
I never received a letter of SN Setviving response to letter from XXXX XXXX as advised I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this complaint to express my utmost frustration and disappointment in your bureau 's failure to address and rectify a significant discrepancy in my credit report. It is disconcerting that your bureau has not taken action, especially when OTHER MAJOR CREDIT REPORTING AGENCIES, XXXX AND XXXX, HAVE PROMPTLY CORRECTED THIS ERROR. The account in question is related to XXXX XXXXXXXX, with the account number XXXX, opened on XX/XX/XXXX, and carrying a balance of {$14000.00}. XXXX and XXXX have acknowledged and resolved the inaccuracies associated with this account, demonstrating that an error was indeed present. I have previously provided your bureau with a police report from the XXXX XXXX XXXX XXXX, filed on XX/XX/XXXXXXXX  with report # XXXX. Additionally, I submitted an FTC report with report # XXXX. DESPITE THESE EFFORTS, YOUR BUREAU HAS FAILED TO REMOVE THE INACCURATE ACCOUNT. This letter serves as YOUR FINAL OPPORTUNITY TO RECTIFY THIS SITUATION BEFORE I PURSUE LEGAL ACTION AGAINST ALL PARTIES INVOLVED, INCLUDING YOUR BUREAU, for violations of the Fair Credit Reporting Act ( FCRA ). I DEMAND THE IMMEDIATE REMOVAL OF THE XXXX XXXX ACCOUNT FROM MY CREDIT FILE, as its presence is a direct violation of my consumer rights. FAILURE TO COMPLY WILL LEAVE ME WITH NO CHOICE BUT TO PURSUE LEGAL ACTION AGAINST YOUR BUREAU. I WILL NOT HESITATE TO SEEK DAMAGES FOR THE HARM CAUSED BY YOUR NON-COMPLIANCE WITH THE FCRA.

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 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have accounts on my credit that the credit bureaus keeps claiming is verified but I the collection agency can not and did not verify the debt with me, LVNV funding can not provide any contract with my signature, payment history or dislclaimer of any kind to prove I owe this debt. I have been challenging items in my credit report with XXXX XXXX for over a year with same inaccuracy and unverified accounts. They are taking over 45 day to complete investigations only to get no results, I need them to remove the inaccurate nonverified accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As well as the Privacy act of 1974 these items should have never been on my report which has crippled me & negatively affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received a letter from the XXXX XXXX XXXX. which detailed my outstanding student loans and lured me in to call the phone number as I was planning to situate my loan repayments and the XXXX XXXX website is the most confusing site for people entering loan repayment. Anyways, on this phone call, the scam artists, have an elaborate script where they reveal along the way that they have ALL of my personal information. They stated my SSN, addresses, phone numbers, emergency contacts, loan details and more. All of this was in effort to get me to provide bank account information, which I unfortunately did, and finally they wanted me to sign a digital document which was sent to my email. Thankfully, I realized at this step that this was a fraudulent email, but up until that point there was almost no way to distinguish that I was on the phone with a criminal.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my last Complaint trying to rectify the issues pertaining to the unauthorized information on my credit report through this avenue. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ; which have ALL been provided to you before. [ See attachments ] All information needed to rectify the issue are in the attachments in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following is a brief summary of the unauthorized information and accounts that do not belong to me and should be removed from my credit report immediately. 
-Nonmailable Addresses -Unauthorized Accounts -Unauthorized Inquiries THIS IS NOT MADE IN ERROR!!!!!!!!! I REPEAT THIS IS NOT MADE IN ERROR!!!!!!!!!

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 2023-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have tried to use a pre-paid Amex card tonight online. I ordered dinner. I put in all the info- the card number, the expiration date and the 4 digit code. It was declined. I tried to use this card at XXXX. Same thing. Declined. I check the amount online and it's active and there's money available. I think Amex has a scam goin where they don't make the cards usable even though they tout " cards can be used anywhere ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX Balance = XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed inaccurate public record information numerous times. The dispute entity name is abbreviated, the street address is misspelled and inaccurate and XXXX XXXX has reported to the credit reporting agencies that the public record information investigated by XXXX is UNVERIFIABLE. 

The credit reporting agencies have not deleted disputed information and are in violation of the FCRA.

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