vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
TO WHOM IT MAY CONCERN, I FILED MY TAXES ON XX/XX/2020 THROUGH XXXX. THEY WERE ACCEPTED BY THE IRS ON XXXX XXXX. MY FEDERAL RETURN AMOUNTED TO {$1000.00} AND MY STATE {$110.00} IT STATED THEY WERE GOING TO BE DIRECT DEPOSITED INTO BMO HARRIS BANK CHECKING ACCOUNT # XXXX AN ACCOUNT NUMBER THAT DOES NOT BELONG TO ME!! THE CORRECT ACCOUNT IS # XXXX. I WENT BACK AND FORTH WITH THE IRS AND BMO HARRIS BETWEEN THE LAST 6 MONTHS TRYING TO RESOLVE THIS AND EACH ENTITY TELLS ME ITS THE OTHERS FAULT. IF MY NAME ON THE CHECK DID NOT MATCH THE NAME ON THE ACCOUNT WHY DID IT GET PUT INTO THAT ACCOUNT AND ACCEPTED BY BMO HARRIS BANK?!?! IT SHOULD OF BEEN SENT BACK TO THE IRS SO THEY CAN ISSUE A PAPER CHECK PER THE REP AT THE IRS. THE REP AT THE BANK AND BRANCH MANAGER TOLD ME THERE IS NOTHING THEY CAN DO NOW THAT THE MONEY HAS BEEN ACCEPTED AND THAT THERE IS NO ACTIONS THEY CAN TAKE TO HELP ME. I AM GOING TO NEED TO TAKE LEGAL ACTIONS NOW AND SUE BMO HARRIS BECAUSE THIS IS ABSURD. THIS IS VERY SKETCHY AND I NEED THIS TO BE RESOLVED ... YESTERDAY!!!! 


PLEASE HELP ME SOMEONE!!!!!!!!!!! I WILL TELL EVERYONE NOT TO USE BMO HARRIS BANK!!!!

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 2020-10-28 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: IL

Complaint narrative:
Auto Lease with XXXX shows on my Equifax credit report. This is incorrect. I do not have a lease with XXXX. I am uploading details of lease on shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
XX/XX/2020 received voicemail from XXXX XXXX stating that proceedings in XXXX County court are being processed and they would contact my employer. left number XXXX. 

They also contacted my brother who lives out of state and said there were legal proceedings in XXXX county and wanted info.

When I contacted the phone number I asked who I was speaking with and was told Assurance and they represent a network of attorneys. when I asked for the other party in alleged matter, I was placed on hold and then a representative named XXXX XXXX told me that they're just a middle man and that 3 charges are pending processing regarding a financial transaction with EMoneyUsa ( whom I've never entered into business with ) when I asked that a validation of debt be sent, I was told to contact the EMoneyUsa directly and that she would inform counsel that I had no knowledge and assured me there was evidence in the legal file and I would need to inform the judge if I hadn't received any information about this debt. 

She also denied that they contact my brother, something about they would just leave their number, and it was more than likely a person who was hired by XXXX county to locate me. 

All kinds of weirdness, not to mention violation of fCRa.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company

Complaint narrative:
My home loan currently is serviced by Freedom Mortgage. I have a 60 day locked rate for a steam line IRRRL refinance that expires XX/XX/2020 with Freedom Mortgage. I've had closing dates scheduled and cancled by Freedom on XX/XX/XXXX and XX/XX/XXXX without notice and cancelation was not do to my own negligence. I have reached out several time for the past 3 weeks to the Loan Officer Mr. XXXX, escalation department, my assigned advocate/loan processor XXXX XXXX and customer service without receiving a call back after agent sent inter-office messages in which I was told someone would definitely contact me back. I've left messages on XXXX XXXX a escalation rep at XXXX XXXX several days without response. It appears that freedom is purposely eluding my attempt to close on my refi rate for reasons i am unaware of. Perhaps agents are working from home and not doing their 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 2020-10-28 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: FL

Complaint narrative:
THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received 2 phone calls from a man Calling himself XXXX XXXX saying I owed for a Chase Credit card from 2001. I never had a Chase credit card. He even called my brother! He then starts rattling of very VAGUE threats of lawsuits and taking my business license??? I DON'T HAVE A BUSINESS LICENSE ... He is freezing my bank accounts etc.. Unless he's the Federal Gov't ... I dont think anyone can freeze your bank account over a supposed outstanding balance ... lol .... This guy is just harassing people to see who will pay him. He claims to be a paralegal.. but doesn't use 1 legal term that makes any sense .... what a scammer Please stop this scammer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I found on my credit report there was a payment past due for more than 30 days for the amount of $ XXXX from CITI Bank, and phone number XXXX. Was told by CITI bank that XXXX XXXX been using the credit card under my name, his phone number XXXX and address on file XXXX XXXX XXXX # XXXX XXXX, XXXX. Please look into the payments he previously made. Occurred on XX/XX/2020

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 2020-10-28 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: FL

Complaint narrative:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Im a customer who is a receiver of the money transfer from the XXXX XXXX to United States. on XXXX XXXX I went to the CVS Pharmacy to collect the Money I use the MoneyGram kiosks to start my transaction and then proceed to the cvs cashier to complete my transaction during the process the CVS agent told me that they only can give {$500.00} max at the Location because I was receiving more than the maximum amount and we have to cancel the transaction, so we cancel the transaction and then I went ahead to the next MoneyGram locations when I try to receive money from XXXX  which was the next location that was open at that time it was after XXXX so the store was all closed up accept for the groceries store and CVS , they said that the Refrence number is invalid so we go ahead and check the Refrence number status and it says money has been picked up ( BUT I DIDNT RECEIVE ANY MONEY ) I came back to the CVS LOCATION TALK TO THE CASHIER AND HIS MANAGER THEY TOLD ME TO CALL MONEYGRAM AND TALK TO THEM, because they didnt give me any money and they are also closing and if the MoneyGram agent want to talk to him he is willing to talk to them. I call MoneyGram they told me they want to speak to the Agent but the CVS STORE WAS ALREADY CLOSED since I was the last Customer. I ask them if I could go back the Next Day and ask the cashier that helps me. When I went the next day he was not there. So I called MoneyGram again and try to ask the CVS EMPLOYEE TO TALK TO THEM IT WAS THE DIFFERENT EMPLOYEE SO SHE WAS NOT IN ANY HELP BECAUSE SHE WAS NOT AT THE STORE WHEN ALL THIS PROBLEM HAPPENS and due to the employee privacy they couldnt tell me his next shift so I waited for the next same Day which was on a Sunday and the Same time I did the Transaction which is Around XXXX. Because thats what the Money Gram Agent told me, when Sunday Came the CVS EMPLOYEE was willing to talk to them, they just shut me off and told me they can not give me any information and the final decision about the money has been made. I just dont get it, their final decision was the refund of XXXX. I have a witness who was willing to talk to them about this transaction. But they didnt let him explain or let us prove them that I didnt pick up any money their were 2 CVS agent who was their that night who knew everything that happened on the XXXX of XXXX between XXXX and XXXX was willing to talk to the MoneyGram. But they just go ahead with closing my case with XXXX this is not fair and I need that Money.it has caused a lot of problems in my Family because the Sender who is my Husband has blame me too that I already picked up the Money because MoneyGram came to a Selfish conclusion and the CVS agent is still willing to talk to them about my transaction. Please, please if You could look into my Case I would appreciate that Thank you. Our Case number on MoneyGram is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XX/XX/2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every twenty days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XX/XX/2020 It has now been over 90 days since I sent in my dispute to Aspire and I have not received any communication from this Company regarding my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I previously submitted a complaint agains Credit Collection Services with the CFPB and last month was told that they would delete the derogatory accounts off my credit and to give them up to 30 days to do so. This was replied on XX/XX/2020, but the company has behaved deceitfully towards the CFPB and me. This was their reply from case number previously given of XXXX. 

First of all, they never sent me any documentation stating that the accounts had been removed. Secondly, they deleted the two smaller balances, but decided they would leave the one for {$290.00} with XXXX  and XXXX. Recently on XX/XX/2020 they updated the accounts on my credit reports. The second debt of {$59.00} was left with XXXX  and also updated the validity of the debt on XX/XX/2020, so they are still reporting these accounts, playing games and destroying my credit worthiness. Before I proceed with legal filings to take them to court for this for {$1000.00} per violation, I figured I would try to go through the CFPB one last time to give them a final opportunity to immediately right this wrong and I am NOT WILLING to give them another 30 days as this account should have been removed along with the other two accounts already. This is my last and final attempt, or I will be seeing CCS in court for {$1000.00} per violation, including violating my HIPPA rights and defamation of character, as well as fraud. They may be playing games with my credit, but I am making it very plain and clear that I am not playing games with them and I do not take them destroying my credit worthiness as a game. My life and credit are not a toy to be played with. I have given them enough time and have been more than patient, so again, this will be my last attempt before I proceed to turn this over to my lawyer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Assetxare LLC has been putting erroneous charges on my credit report. They attempted to do this twice before and it was removed from my credit report. They recently attempted again to put a {$2900.00} charge on my credit report and this time it was not removed from my credit report. Mind you XXXX  has removed all of these from my credit report!! If this does not get removed immediately I will be seeking legal counsel for help!! This is unacceptable business practices. It is called harassment and I have no knowledge whatsoever in regards to these accounts. I have not received any correspondence from this company.Last year I went as far as freezing my credit report so these disgusting companies could not harm my credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, XXXX  and TransUnion but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.

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 2020-10-28 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX a vendor double-charged my Chase card for {$1500.00}. 

I told Chase of the problem by phone and they refused to correct the problem. They required me to fax in more information, which I did. 

In early XXXX they put a notice in my account statements section saying that the double-charge was rejected and I had to pay the invoice twice. 

Having exhausted myself in the effort to show Chase this was a simple double-charge by error or fraud, I ask for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2020, @ XXXX XXXX I checked my XXXX  account and noticed my credit score dropped 92 points due to an account being placed in collections. I called XXXX the next morning ( XX/XX/2020, XXXX ; XXXX XXXX  ) reporting the account and creditor as fraudulent. I've never been to any doctor or hospital at all. I was never aware of the debt it was just placed on my credit report. I take my credit very seriously so I always check my report to make sure incidents like this don't happen. I've been in this situation before. 

This debt is not mine. I have the right to challenge any and everything that is placed on my credit report. I need this taken off ASAP. This is hurting my score and my character.

Company response to consumer: Closed with explanation