vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is an ongoing issue with BMO Online Banking. I have been trying to access my Online Banking from both website and app for my businesses and it is not working. Every time I try to log in, the password is incorrect. I proceed to change my password using " Forgot My Password '', which I am then able to change it and log in. However, when I log out and try to log back in using the new password I just changed to, it gets back to the same error " Hmm. The information you provided doesn't match our records. Try again? '' I have changed my password 10 times within the last 3 days since I have to create a new password every time I need to log in. I talked to BMO customer service representative on XX/XX/XXXX at XXXX PST who was unable to assist me with this issue. 

Ever since the merger from Bank of the West to BMO, I have been experiencing a plethora of issues with accessing and managing my account, XXXX, bank transfers, check deposits, bounced checks, check holds, refusing to pay check despite etc that has resulted in various fees, penalties, and charges that has been unfairly and unduly assessed. BMO has failed to maintain any sufficient standard of care and customer service. I am part of the millions of Bank of the West customers who have been plagued with ongoing issues with no recourse. Despite having knowledge and admitting to these ongoing plethora of problems associated with the merger and promising a smooth transition without any issues, BMO has failed to address these issues and instead proceeded to charge and profit off their customers by their willful omissions to issues wholly caused by their willful omissions and failure to take accountability. This is completely unacceptable and warrants a thorough investigation into BMO 's unfair, deceptive, abusive business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
On XX/XX/XXXX, I was overcharged by XXXX XXXX in XXXX. I made enough purchases worth {$20.00} ( 2 drinks and an appetizer ). I did not sign any receipt and am confident that video footage will not show me drinking {$75.00} worth of drinks or signing a receipt. Yet, I learned when I checked my Apple Card history a couple days later that I was charged {$75.00}, a {$55.00} overcharge. Once I saw this overcharge, I immediately started the dispute process, which is reflected in my text to Apple on XX/XX/XXXX that is attached as evidence. I attempted to call the nightclub once a week for two weeks, each time a manager was not present and they told me to call back later. I called again XX/XX/XXXX and was finally able to talk to a manager who would not admit fault and told me they would look at video footage and send me an email. When the manager read me the list of my charges, it became clear that I was charged for my whole corner of the bar that night and not just myself. The bartender clearly made a mistake and was incompetent at keeping track of tabs. Evidence that I called XXXX XXXX on XX/XX/XXXX is attached. I never received an email and opened a dispute with Apple Card/Goldman Sachs as my attempt to resolve it through them had failed. I received a decision on my dispute on XX/XX/XXXX that the merchant charged me for the amount I intended and did pay. This is not true as I never intended to pay that amount. Video footage will not show me drinking {$75.00} worth of drinks, and it will not show me signing any receipt that says that because I never signed any receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a paypal prepaid card that was used in fraudulent activity, I filed a claim for the certain amount, two days later i received an email saying my claims are denied, So I call the paypal debit company to address the situation, they told me someone used my debit card which i never used one since i only used this account to deposit small amounts that accumulated over the years, so they tell me since it was my card they must deny the claim, and I explained to them that even if someone used my card without authorization that is still fraud and explained to them that I trusted my money in there bank, well then I ask them were was these transactions made which i didnt know since i abruptly called to close the account since my wife and I accounts were hacked they even called our phone providers and had our numbers changed without our knowledge so we were completely in the dark, well to end this off they told me the transactions was made in Florida and I live in XXXX Maryland , I cant understand if was even to consider committing fraud with paypal prepaid why would i fly to Florida to commit such a crime that would not be cost friendly, I am very upset that i trusted this company with the protection of my money and yet they still tell me to go to the XXXX store in Florida to prove it wasn't me seems that the scammers know exactly what stores to scam, Seems i have been a victim of a scammer and the bank, I hope that someone will understand and can help me to please resolve this unfortunate incident and get my funds returned thank you

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 monetary relief
Consumer complaint received 2024-01-12 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: MA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: MA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/2023, I requested that MOHELA provide me with a copy of the form that will allow me to request future in-school deferment waivers ( see Read Message XXXX ). After submitting my request, I was told that MOHELA would respond within 3 business days ( see Confirmation to Inquiry about in-school deferment waiver for grad school ). Despite it being more than 3 business days as well as more than 10 business days for " document requests, '' MOHELA has not provided any assistance or a copy of the form at all. Other than the confirmation the message has been submitted, I have received no response from MOHELA whatsoever. Given the stated timeline, I find this customer service unacceptable. I would like a copy of the form I requested on XX/XX/2023 as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: EdFinancial Services
State: FL

Complaint narrative:
i have a copy of my credit report and after reviewing it by law my student loans are not supposed to be on my report it has been reported on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My credit report incorrectly lists my U.S. Department of Education student loans twice, once under a past servicer Nelnet and again under the current servicer XXXX. This duplication falsely inflates my total debt amount and could adversely affect my credit score. This inaccuracy is a significant concern as I am in the process of closing on a house, and an accurate credit report is crucial for this transaction. Prompt correction of this error is essential to ensure a smooth and successful home-buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I have contacted them many times to receive itemized statements of all accounts with them. That way I can make sure the hospital billed the insurance company properly and that they paid their part. The documentation that I finally received after months of fighting have received have been a jumbled mess and all accounts say they were switched to self pay before being sent to creditors. The collection notes have no order and have out of order dates and several different accounts numbers all mixed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: AL

Complaint narrative:
Please see attached letter. Also, I have included two forms of identification with this complaint. The company does not have send a letter to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received two emails on the same day from Chime. One was a " Welcome to Chime '' email, the other an alert that " my '' account ( which I did not sign up for or have ever had ) had been accessed from a new login ( From California. I live in Colorado ). 

I did not click anything in the email, and went directly to Chime 's website to access the login assistance page. In the page when it asks if I'd like to reset my password and to have a text sent to my phone, there was a partial phone number ( last four digits ) that is not mine, and that I've never had. I did not continue, and called Chime to investigate. 

Chime said they removed my email address from the account upon my request, yet I'm wondering how my email ended up in their system in the first place, if someone has more of my personal info they're trying to use, or if Chime personnel are creating fake accounts to earn incentives ( like XXXX XXXX employees did ). Upon further investigation it appears that this has been an ongoing issue with Chime for quite some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by XXXX, Experian, and XXXX. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law.

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
i have a copy of my credit report and after reviewing it by law my student loans are not supposed to be on my report it has been reported on my credit report without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
i have a copy of my credit report and after reviewing it by law my student loans are not supposed to be on my report it has been reported on my credit report without my consent.

Company response to consumer: Closed with explanation