vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, I attempted to complete an ACH transaction on a recently opened account. I called customer service BMO Harris at XXXX. CSR who took the call asked me verification questions. I was unsure of the last question regarding a XXXX XXXX that I previously owned. The question was regarding the year of the XXXX XXXX. I was unsure of the answer because I previously owned and no longer own a XXXX XXXX. While I was thinking of the answer the CSR selected none of the above. This resulted in failed verification and the CSR told me I would need to come into the branch for BMO Harris. I then asked her for a manager and she subsequently hung up on me. I then called BMO Harris again at the same phone number and the call was disconnected. I called the same phone number and spoke with XXXX and she informed me that the verification questions were answered incorrectly and that I would need to walk into a BMO Harris branch for verification. XXXX then transferred me to XXXX who repeated that I would need to come to a BMO Harris branch because I was within the footprint of a BMO Harris branch. I was very confused by  what the word footprint meant. I advised XXXX that I was currently in the State of New York for an undetermined period of time and was concerned about COVID-19. XXXX then placed me on hold for a very long time ( more than 5 minutes ). When she came back on the phone, she did attempt to assist with the online banking process but repeatedly told me I needed to come to a branch to verify my identity even though the previous customer service representative failed the verification process in error. I am in the New York area for an undetermined period of time and do not know when I will return to the XXXX area to enter a BMO Harris. Given the circumstances with COVID-19, I dont think anyone human wants me to enter a BMO Harris bank. In addition, XXXX suggested that I enter a XXXX XXXX XXXXXXXX in XXXX to perform my banking transaction. To the best of my knowledge, only essential workers, such as doctors and nurses, may enter XXXX for the short term and possibly the long term. There is no BMO Harris bank anywhere near my current location in XXXX New York. We ended the call with no resolution provided by BMO Harris.

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 2020-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
MONEYGRAM HAS FAILED AGAIN TO REFUND FRAUD INDUCED MONEY TRANSFERS TO XXXX FOR {$16.00}, XXXX. SEE ATTACHED INFO ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: Experian Information Solutions Inc.

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
A little less than a year ago I went into XXXX and was offered a job for which a background check would be ran. As required by law I did not disclose information greater than 7 years old. The background check company used information greater than 7 years, claimed I lied about having a XXXX, which I didn't report because I didn't legally have to. Even though the XXXX is mine it is not legally required to be reported if it's over 7 years old in XXXX county, They claimed they found it and I didn't report it which ultimately cost me the job. 
I live in XXXX, Arizona. The XXXX is located in XXXX County which has rules against this .... 
This is the second time I am reporting this, You denied me the first time saying " The XXXX  was accurate '', but of course it isn't because its outside of the legal 7 years ... I can't find the final denial letter you sent me the first time and you don't seem to have a copy yourself to send me so I am refiling this a second time ... I hope we can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2020 I went to the store and purchased some materials. I had a {$500.00} gift card to the store and was saving that for a different project and decided to use my store credit card. I had made a payment on XX/XX/2020. My credit limit was still the {$5000.00} it was originally. I have never had any late payments on any accounts. I am ahead on all accounts. I also paid off many of my other cards in full in the past week. When I tried to use the store card, my card was declined. I Checked my account later that night to find my credit limit had decreased to {$3900.00}. I messaged the company as I had not received any notice to a decrease in credit limit. I messaged the company and shortly received a letter dated XX/XX/2020 stating that my credit limit is now decreased to {$3900.00}. I didnt receive notice prior to the decrease and the amount was decreased before I was notified. The letter only showed after I inquired with the company. Very frustrating considering my good credit history and profile.

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 2020-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have two parts to my account : promotional charges and easy pay. I am in the process of paying off all promotional charges first, b/c easy pay ( as agreed by the contract ) is 12.99 % instead of 23.99 % if I miss the payment on the promotional charges ( no pay for 6 months if full amount is paid off prior to expiration ) I will be charged interest incurred over 6 months. On XX/XX/XXXX ( Agent ID XXXX at XXXX XXXX EST ) I called Paypal Credit ( as PayPal credit requires ) and made a payment of {$320.00} toward my promotional charges and I have specified what promotional charges I want to cover. Agent XXXX assured me that my payments will be allocated as requested : {$40.00} towards easy pay ( as per contract ) and the remaining out of {$320.00} will go towards promotional charges. The next day after the payment was cleared by PayPal Credit, all funds ( {$320.00} ) went to easy pay instead of promotional charges. This happens all the time, every single time I am trying to close promotional charges. On XX/XX/XXXX ( Agent XXXX ) XXXX XXXX EST I once again called PP Credit and asked why my payments were not allocated as I requested. Agent XXXX was unable to re-allocate the fund b/c " that is how the system works ''. I want to pay all promotional charges on time to avoid paying interest but unable to do it without constantly calling PP Credit or submitting complaints over and over again. PP Credit will need to change its system so the consumers were able to make paying without being tricked by the PP Credit " system ''. If PP Credit does not like what they advertise ( 6 months no  interest if paid prior expiration ) they need to stop making false advertising b/c it is impossible to pay off promotional charges without involving a third party into the process. PP Credit employs the deceptive practice.

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 2020-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) located in XXXX, NY reported me to National Credit Systems, a collections agency on XX/XX/XXXX for {$3200.00}. Our dispute originated on XX/XX/XXXX when I moved out from my apartment 10 months early from a year lease. 

At issue is my recruitment of replacement tenants who qualified and were approved by XXXX XXXX XXXX to move in and signed a new year lease with XXXX XXXX XXXX, that XXXX XXXX XXXX refuses to acknowledge. 

In discussions I had with XXXX XXXX XXXX office personnel, they indicated that if I found qualified replacement tenants, then they would let me out of my lease agreement. Otherwise, I would owe them {$2500.00} for a break lease fee. I advertised and located an interested party and directed them to XXXX XXXX XXXX. The office  showed the couple my 1-bedroom apartment. Then they also showed them a more expensive 2-bedroom as well, which the couple chose. 

XXXX XXXX XXXX is claiming that since the couple did not choose my apartment, I am not entitled to relief from the break lease fee. They instead offered a {$250.00} " referral credit ''. But, there was no mention of this credit type before I directed the interested couple their way. 

XXXX XXXX XXXX benefitted from my recruitment of new tenants to their business. They also benefitted from the 2 months of rent that I paid them. In a move obviously motivated by greed, they chose to ignore my efforts that helped them. In addition, they never returned my {$300.00} deposit, even though I left the apartment in better condition than it was in when I moved in. 

I also feel their alternate offer of a much reduced {$250.00} referral credit is " bait and switch '' tactics. 

Because I would not settle for their lesser offer, they turned me over to collections to deliberately hurt my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America ( BOA ) Home Mortgage - Due to a computer glitch BOA took 2 payments out of my non-BOA checking account on XX/XX/XXXX for my XXXX house payment. BOA has acknowledged there have been computer issues. I called BOA and they told me dispute one of the charges so I did. Instead of applying one of the payments to my mortgage payment it was applied to principle abatement. I've called multiple times to get my payment applied to my XXXX mortgage instead of principle abatement. I've spent approximately 15 hours on hold/talking to BOA to correct this to no avail. My payment is there, BOA needs to apply it correctly.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a request to Kay Jewelers/Sterling Jewelers disputing the credit report information requesting that they send me information regarding my debt per the Code of Federal Regulations 16 CFR Part 660 " Responsibility of Furnishers. '' After not hearing from them after their allotted 30 days, I sent them another letter informing them of their violation for not responding and I requesting that they remove the negative credit item in question. However, rather than them responding appropriately to my requesting by supplying me with the requested items outlined below : 1. The original account name and number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money and copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 
4. What was the original date of my first delinquency for this account?

5. Copy of the originally signed contract Insead they sent me a FRAUDULENT back-dated as a stall tactic. I have attached a copy of their letter that was back-dated to XX/XX/2020 but the envelope was postmarked XX/XX/2020 that I received today XX/XX/2020 that is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I never got anything saying i was sued in 2017 and i would have took it to court due to having XXXX. also why wouldnt i get notice before them garnishing all had in checking and savings account. i would have set up payment plan to avoid that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
An account was opened fraudulently in my name in XXXX. I was unaware of the account being opened until recently ( XX/XX/XXXX ) as a result of applying to re-finance my mortgage. I immediately  reported it to the issuer ( Synchrony ) and was just told they are denying my dispute. I did not open this account and my credit score is now being affected adversely.

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 2020-09-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi company is reporting credits cards that they did not verify. 
I have been trying to work with them started XXXX, XXXX. 
Account numbers ending XXXX, XXXX, XXXX. 
Citi have violated the FCRA $ FDCPA ; they did not validate the debt and I am asking them to delete the entries it is hurting my credit history very bad. 

The only response I had from citi with statements and statements by law does not validate the debt. 

Citi did not validate neither one of the account as requested bye me. 
I don't owe this debt and should be removed immediately. 



I have more documentation then I COULD HAVE UPLOADED.

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 2020-09-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
I refinanced my mortgage through Watermark Home Loans. I asked them to change the Title on my house with the re-financing of my mortgage ( from single and sole property to including my wife as community property with right of survivorship ). I made this request multiple times in e-mail conversations with the loan officer and  another employee. I still have copies of these e-mails. 

The re-finance went through and, after the fact, the company e-mailed me and said, " This went through as it was originally titled. Sorry. '' These people not doing their jobs has cost me a lot of time and money to try to resolve on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
In XX/XX/2020, The professional Credit Service is trying to collect money from me on behalf of ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) for the service I did not receive. I have been trying to dispute this wrong billing directly with XXXX but they disregarding my dispute and is continuing to hold me accountable to pay {$300.00} for the wrong service they performed on me. They have now sent my unpaid bill to be collected by the collection agency, I tried to dispute with the Professional Credit Service but they couldn't fight and get me fair response from XXXX. 

I went to urgent care on XX/XX/XXXX to XXXX in XXXX XXXX, CA, for a COVID test, the doctor who saw me ( DR. XXXX XXXX XXXX ) did not do the Covid test but they performed another kind of XXXX XXXX XXXX on me without my approval and now charging me for it!. I have been fighting this battle since XXXX this year and now I'm being forced to pay for something I didn't want. 

I fear that if I do not pay, they will ruin/impact my credit. I have a well reputed job, I have an excellent credit score and I believe in paying all my dues on time but I do not believe in getting billed wrongfully and being forced to pay. 

Hope you will consider my complaint and take the necessary action and support me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my agreement and I would like them to honor their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: TN

Complaint narrative:
I have been a victim of identity theft.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is listing a credit card account as charged off on my credit report and has been for approximately 5 years. I have disputed this the ENTIRE time repeatedly. In accordance with FCRA 623 ( a ) ( 3 ), " Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. '' The account has never been noted as disputed. I took it upon myself to dispute directly with the CRA 's THREE ADDITIONAL TIMES : XX/XX/2020 ( certified letter with tracking # ) w/ no correction XX/XX/2020 ( direct calls ) w/ no correction XX/XX/2020 ( certified letter requesting DELETION due to failure to comply ) This account is still listed on my report and has been incorrectly reported to my detriment for years.

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