vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had attempted to make an external transfer from my account ending in -XXXX on XX/XX/2020 in the amount of {$1400.00}. This attempt was made through BMO Harris online banking. Upon making the request, I immediately received a message stating that the transfer will not go through since the bank needs to verify my identity. I also received an email stating that I won't have access to transfer to or from my external bank accounts until I call and verify my identity. 

Since I was under the impression that the external transfer will not go through, and I did not have time to call the bank at that very moment, I proceeded to transfer the funds internally to my other BMO Harris Bank account ending in -XXXX, and instead make an ACH pull from my external account. 

To my surprise, the next day I saw that not only were the funds taken from my account ending in -XXXX, but I also had a negative balance in my account ending in -XXXX. I was charged two NSF fees of {$36.00} each on XX/XX/XXXX and XX/XX/2020 since the transfer was attempted twice without my authorization. 

I called BMO Harris Bank customer service on XX/XX/2020 to discuss the fees and the representatives insisted that it is not a bank error despite having all the proof otherwise. They offered me a refund for one of the NSF fees but not for both. I would kindly like to request that both fees be reversed since this is indeed a bank error and the fees should not have been charged to begin with.

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 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Recently, I have pulled out my credit report and I am so amazed about the unauthorized accounts on my credit report. I believe that I have never had any outstanding debt with Discover and I have never any type of communication regarding this fraudulent account.Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Millco Management
State: NY

Complaint narrative:
I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank 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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2020, I used a credit card via the PayPal service to settle an invoice with a merchant. The merchant confirmed that the invoice total of {$260.00} was paid in full. 

On XX/XX/2020, I received an email from PayPal with the subject line " Your bank declined your electronic funds transfer '' and a message stating that " We will automatically re-attempt this transfer in 3 business days. '' As a result of the action, I was charged a {$29.00} non-sufficient fund ( NSF ) fee. 

On XX/XX/2020, I reached out to PayPal requesting a halt to the transfer re-attempt, and made a second payment via credit card for the same amount. On XX/XX/2020, PayPal repeated the action, leading to another NSF charge. I eventually opened a ticket with PayPal on the issue, which was eventually closed without any acknowledgement of the unauthorized transfer. On that date, the credit card that was tendered for the transaction was debited. PayPal argued that since I had done business with the merchant in the past, the attempts to transfer funds from the checking account were valid. 

At no point did I authorize PayPal to debit funds from any other source besides credit cards for this transaction, and now I have been financially harmed by the reckless behavior of PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a debit card on XX/XX/XXXX from Citibank along with a letter, mailed separately, from Citibank and dated XX/XX/XXXX, thanking me for my request to open a Regular Checking account. I did not request this checking account or debit card nor do I want a checking account and debit card with Citibank. I do have a Citi AAdvantage credit card but that is all. 
I have tried calling Citi numerous times today and tried texting them using my Citi app. I was never able to talk to a real person. I am concerned that Citi is doing something similar to XXXX XXXX -- signing customers up for accounts they did not request.

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 2020-04-28 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.
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I missed a {$160.00} increase on my mortgage one month out of a stellar credit and payment histories. I was not aware of this increase, which represented an increase in my escrow account. My mortgage payment was {$2200.00}. We paid {$2100.00} for XX/XX/2020. Within the 30 day timeframe, Nationstar reported it to my credit ( without any notice to me- I would have gladly pay the increase ), and my hard- earned credit score dropped 83 points. I am struggling during the COVID crisis as my hours have been cut, but I have still paid over 90 % of my mortgage on time as I have for the 5+ years I have had it. And I get punished instantly for being short {$160.00} on an increased escrow without more than 30 days going by or additional documentation alerting me to the problem? This is wrong!! Seems there are many similar complaints against this particular corporate giant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On Thursday XX/XX/2020, I deposit a check for {$34000.00} into ALLY Bank. I checked my account about 5 hours later making it around XXXX and my account was locked, I can not login, can not see banking information. I called the Ally 24 hour customers support at that point. The man who answered told me he could not tell me why my account was locked, problems usually get resolved in 1-2 business days and I would have to talk to Allys fraud department. I called back on XX/XX/2020 to the number I was given, I was asked the information of the person who wrote the check, not the bank, but the individual who wrote and their number. I complied and she said check should be verified in a few days. I called back the past two days XX/XX/2020 and XX/XX/2020 and both times the Ally representatives have been unhelpful, can not even tell me when my check will be reviewed or why it hasnt yet when its been 3 business. Today they woman told me she has no record of me calling prior to XX/XX/2020 and that I should wait till tomorrow when it has been 3 business days. They will not release my check either so I could go to a local credit union.

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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX  and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District  of Illinois does not provide data to 3 party companies/vendor

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 2020-04-28 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: TX

Complaint narrative:
I have contacted XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
For the past few years I have utilized an online savings/investment app called XXXX. I linked my PNC debit card to XXXX  and every purchase I made was rounded up to the nearest dollar and invested for me. This was a very convenient, painless way for me to save quickly. I was very disappointed to learn that PNC has " increased security '' and that savings platforms, such as XXXX and XXXX no longer work. How is it ok for PNC to decide where I can or can not invest my money?? Fix this or I'll take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TX

Complaint narrative:
I have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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.
State: TX

Complaint narrative:
I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a complaint XX/XX/20 regarding Trans Union. I still have not received my credit report. I attempted to request on line but the system rejected my response after submitting the numeric portion of my address. I could not complete the request.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was charged by {$90.00} in Transaction Limit Fees on my account ending in -XXXX. There was {$75.00} charged on XX/XX/XXXX and {$15.00} more charged on XX/XX/2019. BMO Harris Bank claims that these fees were charged as per federal Schedule D regulations, due to making more than 6 transactions in a statement cycle. However, I was under the impression that the account ending in -XXXX is a checking account, and the Schedule D regulation only applies to savings accounts. 

The fact that this account is a checking account was confirmed when speaking with a representative when I opened my account, and to this date, the account still shows as a checking account in BMO Harris online banking. The bank 's fee schedule does show this fee for savings accounts, but not for checking accounts. 

I reached out to BMO Harris Bank customer service on XX/XX/2019 to discuss the fees and the representatives insisted that they could only offer me a refund for half of the fees but not for all of them. It is completely ridiculous since most of the transfers were less than {$1.00} test transfers and yet I was ultimately charged by {$45.00} in fees. 

I would kindly like to request that the remaining fees be reversed since this is a deceitful practice and the fees should not have been charged to begin with.

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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened a chase checking account on XX/XX/2020 ( account ending in XXXX ) ( chase debit card ending in XXXX ) and by XX/XX/2020, Chase bank restricted my account and were holding my funds, i had a positive balance of {$1900.00} in my account. Having to wait hours on multiple wasted calls the week of the restriction, staff came to a conclusion of closing, I NEVER EVEN RECEIVED A CHASE CARD, i was told Chase bank protocol was to close an account within 10 business days and once closed, send out a official check of the remaining balance to my address within 10 business days. Account was closed XX/XX/XXXX, the banker who opened my account told me, i was also emailed that day with a low balance alert indicating my account went to a flat {$0.00} balance. Fast forward to today and i'm in need of better answers, some tracking or something, because we are way past 10 business days after closure and the phone calls I've been giving haven't done any good service for me as i've been given the run around, back n forth from claims dispute department, fraud hotline department and risk resolutions department, no one could tell me where are my funds. Why haven't i received my check? This is absurd and has to be illegal as it seems Chase has seemingly stole my funds at this point.

Company response to consumer: Closed with explanation