vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used my debit card for a retail purchase at a restaurant and the entire party I was with became very sick with Salmonella poisoning the day after XXXX. I called the restaurant many times and no one answered or phoned back. I then decided to request my money back via the bank card BMO and was told that they would investigate and also fund me my {$270.00} back while doing so. They asked me if I had contacted them and I said YES but that no one is returning my calls. They asked me to try again but that they would also do their part. I went to the XXXX XXXX  corporate account, I went to " Contact Us '' and sent a very detailed email via their website about what happened and that I dont believe I should have to pay for this meal. My father was hospitalized with XXXX XXXXXXXX failure from XXXX XXXX from his XXXX XXXX XXXX XXXX. I included in the email my story, my check amount, my name and call back information as well as my email. on XXXX BMO sent me a letter in the mail requesting more information from me which made no sense to me, this told me that they were not being a good back to me. I was so busy with my father in the hospital, I finally sat down to write them a letter that I had not received a drop of communication from the restaurant and had nothing to provide them because I sent the email via their website ( without a response ) and my hands were tied. Yet, on XX/XX/year> the seemingly immediately sent me another horrible letter saying they would NOT refund emergency my money and basically could care less and sent me off to deal with this alone. I believe this is absolutely irresponsible. I received no calls from them, no information or proof that they even did anything to investigate on behalf of their clients and I am absolutely feel abandoned by my bank and I'm losing money to a company that isn't responsible, probably making other people sick and not following up with their correspondences. What is obvious is that my only option is to hire an attorney if this does not work out for me. I have never been treated so poorly by a banking institution. They don't do their due diligence for me, they're soon to be former customer. They showed me 0 proof of an investigation and never had an ounce of sympathy to help or accommodate me as I used their services to live ion this world. It is also their responsibility to advocate and investigate and yet all they did for me was send me contradictory letters without any help or advocate for the consumer. I feel completely abandoned and used by BMO.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
False report about delinquent payment

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 2024-01-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
We have tried to work with New American Funding for home retention assistance on our Mortgage XXXX # XXXX numerous times since the default on XX/XX/2023, to avoid foreclosure. However, each time the file is canceled due to information not submitted even though there is proof the documents were submitted each time and by the due date. We are currently working with a HUD approved Housing Counseling agency, XXXX XXXX XXXX XXXX XXXX at this time for assistance. New American Funding is doing the same thing to XXXX XXXX XXXX XXXX even though ALL documents have been submitted in a timely manner. During the process, New American Funding filed for foreclosure on our home in XX/XX/2023, under XXXX XXXX XXXX case # XXXX in the middle of us trying to work out assistance. As it stands right now, a response to the summons ( attached ) was submitted yesterday through mail to the court and New American 's attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
In accordance with FCRA XXXX Account # XXXX has violated my rights in accordance with 15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
In accordance with FCRA XXXX Account # XXXX has violated my rights in accordance with 15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRSTBANK
State: CO

Complaint narrative:
This morning, XX/XX/2024, I was at the First Bank branch XXXX XXXX XXXX XXXX, XXXXl, CO XXXX I spoke with XXXX XXXX because I am having problems with the XXXX application. I registered my email with XXXX ( XXXX ), for testing purposes I received a deposit of XXXX {$5.00}, which arrived without problems, I was unable to receive MY WEEKLY PAYMENT of just over XXXX {$300.00}. I received a message from the payer confirming payment via XXXX, but the amount did not go into my account but went out of the account of the person who made the payment. XXXX XXXX couldn't explain, she just said that nothing appears, she also called the bank 's online service and also said that she couldn't do anything because the money would be IN LIMBO, that I should get proof that the money was sent, but I I received a message that the transfer was made in the registration email ( XXXX ). The bank is washing its hands of the matter, the payment no longer has the money in the account and neither do I. I ask for a solution to the case, I have on file the conversations with the payer that prove the above fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
The Texas Attorneys Generals Offices wrongfully place a child support debt on my account of over {$34000.00}. After contacting my Congressman office, the OAG did a review of my account and found that their reporting was indeed inaccurate. In fact, they acknowledge that they were clueless of why and or how they had the account in the first place as the account belongs to a different state. 

The OAG, zeroed out the balance but kept the account as accurate and remains. 

At the time of reporting even until today, I did not and do not owe the amount that caused the OAG to open and report a negative on my credit bureau. Whether the account was zeroed out ( as was done ) or if it was a {$1.00} off, the account was inaccurate and can not be considered accurate and shouldn't remain after the adjustments.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: MD

Complaint narrative:
Uplift , Inc. Reported late payments on my consumer report after having a phone conversation with the company in regards to The Coronavirus Aid Relief, and Economic Security Act, passed by Congress and signed into law on XX/XX/year> which contains explicitly addressing the FCRA, as XXXX XXXX previously reported. Section 4021 of the CARES ACT amends Section 623 ( a ) ( 1 ) of the FCRA ( 5 U.S.C. 1681 S-2 ( A ) ( 1 ), Violation of 15 USC 1662 ( 2 ), VIOLATION 15 USC 1635 LACK OF RIGHT OF RESCISSION, violation 15 USC 1681a , violation 15 USC 1692e , The False claims act, 31 USC 3729-3733 , FAIR DEBT CREDIT ACT LAW 111-203, title X, 124 Stat. 2092. Delete LATE PAYMENTS AND UPDATE TO PAID AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: IA

Complaint narrative:
I recently reviewed a copy of credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been a burden to my family and I. Please remove the fraudulent accounts from my credit report as soon as possible. Thanks in advance

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 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-31 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-31 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
because my account has been frozen if it is my account and I don't have to see anything about it, I have been receiving my payments for two weeks and they have everything that I can't even withdraw or anything and my bills and my children don't know how to wait because they don't know what's happening. On XX/XX/XXXX, they withheld my work payment of {$1600.00} and on the XXXX they also withheld all the payments that entered my account. A dollar comes in and a dollar they grab I'm already tired anyway right and you can't help I need my money to pay my rent every time I buy food for my children and pay off all my credit cards I feel like my hands are tied

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 2024-01-31 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2023 I made two purchases from XXXX XXXX ( XXXX ) totaling {$10000.00} on two vintage time pieces. The promised delivery dates came and went and after waiting two months I cancelled the order and requested a refund per the vendors policy stated on their site. The vendor apologized and stated a refund would be processed within days. After a week I received a refund confirmation e-mail stating a refund was processed but nothing hit the credit card. I called CitiBank and they confirmed, no refunds from the vendor had been sent. I followed up with the vendor who apologized and stated it was an issue with their accounting team. I went back and forth with the vendor for another two months and reached out to my credit card company for advice. They suggested I dispute the transaction so they could investigate. I did this and waited the required time. After the vendor responded CitiBank closed the case and reversed the charge back to me. They have not been able to provide information on what the response from the vendor was. They are doing a follow-up on my case but have not been very good with follow-up. I provided 16 pages of e-mails with the vendor to CitiBank as part of the dispute. I feel none of this was reviewed as CitiBank would have clearly seen the company had promised a refund and no product was ever shipped. Even the order number shows as cancelled on the vendors website. I am seeking assistance with CitiBank as no refund has been received and no product received yet I was still charged the $ XXXX on my credit card.

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 2024-01-31 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: NY

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment 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 account that i have included screenshot inside this complaint in on dates of 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 explanation
Consumer complaint received 2024-01-31 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: MD

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/2023 )

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 2024-01-31 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. My personal information has appeared in data leaks through Equifax and XXXX, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my 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

Company response to consumer: Closed with explanation