vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since my account from Bank of the West merged to BMO im not being abble to access my online banking, also I dont have SSN so the system doesnt allow me to fix this issue. 
So I nee to have restored my online banking access, I know my user name XXXX and also remember the old password.

And second need to open a merchant dispute for merchandize not received ( I dont speak XXXX by phoen and now BMO doesnt provide that service ) As I dont have access to my online banking I cant guss the exact date of the charge and also the specific amount in US dollars because the transactions was made in a foreign currency : 1 ) Around XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, International currency {$650.00} XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, international currency {$730.00} XXXX XXXX XXXX XXXX XXXX  These 4 purchases were made on the store, f ace to face but they didnt have on stock on the same store, so they will ship it from their warehouse to my mailling address on file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX 
The items never arrived, must be received on or before XXXX XXXX. 
I tried to contact them by email and phone calls to request the tracking number, delivery confirmation or any other shipment information without success, nobody respond. I start contacting them on XX/XX/XXXX. 
I cant go to the store now because im not on that city any more. I have the invoice and receipt that I would like to send to the bank to support my case.

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 2023-09-18 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 : It 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 any 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.

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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-09-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, 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 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I've asked PayPal to delete my account through the customer portal. And the account was frozen despite having very little to no funds. The only way to unfreeze the account was to speak to a PayPal customer representative. The customer representative stated that an identification such as Driver License or a Passport is required to delete the account. I tried to reason with the representative stating that I had an authorized phone number and email address and that the account did not have much funds if any at all. But the representative still insisted on a valid identification and making it as difficult as possible to delete the account. 

The account has never been used maliciously in the past, so arbitrarily freezing the account and requiring an identification such as a Driver License and Passport to continue using it violates the end users privacy. An identification should not be required to close an account holding less than {$10.00} and has no pending transactions. 

This is clearly an attempt by PayPal to bring in and retain end users on the platform. Something similar occurred with XXXX XXXX creating fake credit card without the end users consent. And XXXX XXXX made it very difficult for the end user to remove those credit cards off their accounts. However, they were eventually prosecuted and fined by the government. I hope that you handle this matter accordingly based off past precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
XXXX is still reporting on my Equifax credit file. The previous response from Equifax stated that credit inquiry XXXX has been deleted. As follows XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. Which all are back to back. Please delete entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Over a period of a year debt collector continued to call without sending proof of debt owed. I asked for them to stop calling and calls continued to come in. They called me so much I had to get my number change

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
I have a previous loan with US Auto Purchasing Center LLC XXXX XXXX XXXX XXXX XXXX  ) dating back to XXXX. I filed a 1099c with the company and it was accepted by the IRS and US Auto sent me back my copy b but are now avoiding me once I have contacted them in regards to my payment being applied. My 1099c is the instrument used as a form of payment which is backed by UCC 3-602. I am invoking my rights under UCC 3-603 to enforce my form of tender using a 1099c as my payment instrument. I have tried emailing and calling to ensure this has been accepted and applied but the complaince manager has yet to answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Summary : Accounts are continually opened online in my name at M & T Bank On XX/XX/, from M & T Bank a checking account was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently. M & T closed the account and sent me a letter. I received a bank account Statement and saw that {$280.00} was deposited and withdrew from this account before it was closed On XX/XX/, another account from M & T was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently on XX/XX/, XX/XX/, XX/XX/XXXX  same exact issues with M & T bank, accounts from M & T were opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently - I begged that they flag my name and notify me and do not open the account - they indicated they could not because it was done on line. 
M & T indicated they have my name, ssn, address so they can open account - again I pleaded my case that they do not automatically open and account and call or email me- they said they can not

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 2023-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have called Marcus twice on XX/XX/23 between XXXX XXXX XXXX, the second representative XXXX XXXXXXXX XXXX told me that my social security number was wrong and was likely the reason for locking of my account, she forwarded me to her manager who told me that she does not have the reason and Marcus reserves the right to close or lock an account anytime. She told me that account was locked on XX/XX/23 ( no email or phone notifications ) and I will get my account reverted back to my XXXX  XXXX XXXX.. She told me that it will take 5-7 business days. She told me that I can never open an account with Marcus again and there was no paperwork I can provide to clarify whatever confusion led to closure or f my account. These are my life savings and I am concerned that I wont ever get them back, my second concern is whether it was because of my name that this account was flagged and blocked and my third concern is why was I not notified, if I wasnt looking I would not have found out about it. As a small customer I hope you can stand up for me and look into this bias where clearly the bank customers dont have any rights. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: MD

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested documents from the bureaus and I have been ignored!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2023 I sent XXXX  XXXX  a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2023 I sent XXXX  XXXX  a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX may presume that no proof of the alleged debt for therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2023 I sent XXXX XXXXk a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Over the weekend- we visited our Citi mobile app to accept an offer from Citi Bank to transfer the current card to another card they offer with better points and a waived annual card fee the first year. Surprisingly- Citibank closed my account. I have been paying my account diligently ( via Auto draft ) - never been late - paid my account off several times- been an excellent customer- not to mention about to buy a new home so this Closing of our account will harm us tremendously. : ( We've never had a closed account- a charged off account- or any negative impact to our credit. I and my wife both have an excellent credit history. 
We had ONE issue that was out of our control that resulted in a total Statement balance payment in XXXX and it deducted the total balance of {$5100.00} from our XXXX XXXX XXXXXXXX account instead of the usual payment of $ XXXX {$1000.00}. Which would usually be considered a positive. 
Citbank advised us to call XXXX and reverse the charge so we get the correct amount to them which is what we did. UnfortunatelyXXXX XXXX could not reverse the payment and we adjusted for the month. 
The following month the payment withdrawn and we were advised it was reversed and to correct it and we did immediately through the online app. Found out-XXXX  automatically adds a block when such things happen or are reported to prevent any payment from being made from that account and I had to correct that. Once it was corrected there were no more issues and payment was made and cleared. Why wouldn't Citbank reach out and give us a fair chance once seeing this account has always been in good standing and this issue was not a fault of our own instead of turning to such harsh measures on the consumer? I was thinking of opening a Business Checking with this Bank and just spoke with someone Friday! I almost deposited $ XXXX into this bank! God is always there in the signs he shows us

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 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was out with my kids and lost my phone and cards. I filed a dispute about the unauthorized charges and cutting off my card. They agreed to the disputes and put the money back in my account and reissued my card. I didn't check my account until I received the new card and found out that whoever had my phone and cards had transfered the disputed money along with requested and received money from others and then transfered it to another one of my cards that they had. I wasn't able to close that card as there were open transactions on it. Venmo then put a security hold on my account for about a week. They then notified me that because the card the money was transfered to was already on my account that they closed the dispute and wouldn't take it any further. After I responded to them that it made no sense since it was all part of the same situation and the charges to the venmo card were accepted and refunded but the money that the person transfered out wasn't all because the account was already on there. They told me that the case was closed and they could not do anymore. They then made me change my password again and I had to send them proof of identification in the form of a picture of my driver 's license and then a picture of myself holding my license before they would take the hold off my account. So the dispute was denied but I still had to prove myself to get the hold off my account if the charges were considered authorized why did they keep the hold on my account until I proved my identity. The whole situation is a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I did not give permissible purpose, and written instructions from the consumer were not provided, and there was no credit transactions with a consumer, and employment purposes with written authorization from a consumer were not provided, insurance underwriting purposes, tenant screening, and national security investigations. 

Please delete the inquiry from my consumer report. 

Thanks, 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: MA

Complaint narrative:
Contacted consumerrisklexisnexis.com requesting credit freeze at XXXX XXXX XXXX. 
First contact with female requesting drivers license in addition to social security number, refused to place credit freeze related to fraud and inaccurate information. Second call placed were upon I had to recite the Fair Credit Reporting Act reminding the male customer service person that the social is the identifier. This cs person also requesting drivers license information!! lol. Requested repeated requests to verify address and reported he was going to mail out the report to the non mailing address!! 
In addition to this, the prior cases I reported have a XXXX smell which is really criminal including theft of large amounts of monies, properties and assets. That case should NOT be closed, it should have been investigated, hence I am writing another request since I have soooooo much free time on my hands. ( no, in actuality I don't however, my sarcasm gets the best of me from time to time ) Its pathetic to me that this has not been addressed appropiately and that the people I have spoken to are incompetent XXXX 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation