vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year> I received a check from my XXXX loan from XXXX XXXX. The bank was already closed when the check arrived. I deposited it from the mobile app. 

I wen tot he branch on XX/XX/year> as the money was not deposited and there was no notice in the app. I sat and waited, with my paperwork and documentation of the check 's authenticity. They told me that the mobile app is only for deposits under {$1000.00} but there was nothing flagging that it would not take the deposit. What's more, I was told the funds were locked up until XX/XX/year>. They said I should have came ot the bank and the funds would have been available within 24 hours. I asked them to reverse the deposit and redeposit my check as I had it with me. They said no, they couldn't do that. I said call someone and they said the bank manager was out ( many of them were out that day as I spoke to several branches and they could not find one who was working ) and that they did not have any phone numbers at BMO corporate. As a result of a 10 day hold on MY MONEY, I am unable to buy food, pay my rent, car note, internet, credit card payoff and auto insurance. What's more, it ruined my holiday, put me in a horrible place with what the money was earmarked for and I am incurring late fees, collection calls and the account is now overdrawn {$3.00}. I am asking they pay for the late fees, and the credit score I will be hit with. They had a breach last summer where they lost my payroll deposit causing similar problems. About a year ago they merged with a XXXX XXXX bank and called to to let me know they were changing my account numbers, accounts I have had for decades. I was told they would handle all the services and it caused a huge mess that took months to fix.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
I was placed into a forebearance while on the SAVE plan, and have received on multiple occassions ( XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ) notice of my forebearance and accompanying it, a table indicating my interest rate is currently 0 % for all six loans I currently have in repayment. Additionally, my XX/XX/year> notice that I was initially being placed on forebearance clearly says, " While you are in this forebearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forebearance. '' However, on XX/XX/year>, I received a correspondence from MOHELA titled " Interest Accrual During Forbearance '' informing me that " interest continues to accrue on your loan ( s ) during the forebearance period '', and that I have -- in the same table it confirms I have XXXX XXXX  interest -- unpaid accrued interests to date of {$14.00}, {$19.00}, {$9.00}, {$4.00}, {$22.00}, and {$49.00}. 

I've been told interest would not accrue while on forebearance, but now I'm suddenly being told that actually, interest *will* accrue, has accrued, and is unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2024-12-03 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: MS

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  regarding accounts on my credit report that I do not recognize.

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 2024-12-03 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: IL

Complaint narrative:
This account was open more that 7 years ago and needs to be deleted off reporXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX told me to reach out to the credit agency for deletion

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 2024-12-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was open more that 7 years ago and needs to be deleted off report XXXX XXXX account number XXXX. XXXX XXXX told me to reach out to the credit agency for deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: MA

Complaint narrative:
Arcadia Recovery Bureau called me XX/XX/XXXX. I answered. The line hung up and called me from a private number. My {$120.00} bill has been paid to XXXX XXXX since XX/XX/XXXX. I have received calls from XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Arcadia to ask them to please stop contacting me, and the representative hung up on me. I called again and the rep immediately sent me to voicemail. This is harassment.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, Equifax, XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  regarding accounts on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a third party business check written out to my fiances business, he currently does not have a business account and we XXXX  if the bank would accept the check and it says yes, so I deposited the check from my chase app and received a notification that the bank would either accept or reject the check in 2 business days. on the second day I received another notification saying that chase had accepted the check, and funds would be available after a 10 day hold. after waiting the 10 days I checked my account and it showed the funds were available. i went to use my debit card and it was declined. i then tried to transfer funds to my other account and was unable to do that as well. After calling the bank I was told that my account was suspended and they would be closing all XXXX  of my accounts and they would be sending me a cashiers check in the mail. well even at that point I couldn't wait that long for this money, waiting the 10 days was a struggle already. i escalated the situation to a supervisor who claimed they needed to verify my fiances business. they are claiming that the phone number is not linking to the business. now my fiance is a general contractor, his business is just him. his phone number is his everyday cell phone number. i told them they could look on the Illinois secretary of state website to verify his business name, good standing, and see that I am his registered agent as well. the supervisor told me that was sufficient and to go to the branch and they could release the funds. so we went to the branch and was told something completely different. i have now been battling with chase for well over a month trying to sort this out. they are very adamit on verifying this phone number but will not tell me where they are verifying it through so I can add the correct phone number. I've asked if there is any other possible way to go about this and they just wont budge. this {$4500.00} check is for my fiances clients materials, our rent, we haven't been able to buy groceries, we didn't even have a thanksgiving dinner because we were counting on that money. i don't know what to do, I don't know what they expect us to do. but they need figure out who they can release those funds to whether it be me, the client or my fiance. someone needs to be able to access those funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
After being released from the XXXX XXXX XXXX XXXX, having been in their custody from XX/XX/XXXX to XX/XX/XXXX, I reviewed my credit reports and found an unauthorized credit inquiry made by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
On XX/XX/XXXX I logged into my Flagstar account and noticed a refund of {$2000.00}. I immediately called Flagstar Bank because I know my taxes are coming up to be paid in which Flag star has not paid yet. I then called and spoke with two customer service reps who informed me the refund was a result of an Escrow analysis that was ran in XXXX. Today is XX/XX/XXXX and Flag star still has NOT paid my property taxes as of yet. I emailed my tax statement and bill to an email provided by the customer service rep. Both reps said its Flagstar fault because someone who works in the escrow department failed to check to see I had property taxes due that should be paid by now. In error they sent me a refund check and failed to pay my taxes. I am requesting that my property taxes are paid ASAP. I found out about this error by logging into my account. I was not notified nor did I receive an escrow analysis in the mail. My taxes need to be paid ASAP. Also, on today XX/XX/XXXX I have found out my mortgage has increased from XXXX to XXXX. It seems Flagstar may have did another mortgage analysis without my knowledge nor have they provided me documentation. The last statement and document on their portal says my next payment of XXXX is due XX/XX/XXXX. There is absolutely no other statement or documentation explaining the increase in mortgage nor have my taxes been paid yet.

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 2024-12-03 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-03 00:00:00
Product: Credit 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I was fraudulently charged XXXX out of my debit account that I never said they could charge. Instead of fixing it she told me my car priveleges were revoked and she would not reverse the charge. Would not let me talk to management and lied about everything. This is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CORELOGIC INC
State: TX

Complaint narrative:
Date XX/XX/year> Name : XXXX XXXX I have called the company they were unable to give me any information on when I have applied for they service

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 2024-12-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Date XX/XX/2014 Name : XXXX XXXX I have called the company they were unable to give me any information on when I have applied for they service

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear RESURGENT/LVNV FUNDING I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation