vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a phone call by someone claiming to be a civil court clerk. She gave me a reference number and a phone number about a civil matter filed against me. The call came from a private number. I then call the number and the lady claims I owe a debt from 23 years ago from Bank of America for overdraft fees. I state I know nothing about it and its past the statue of limitations. She then threatens me with liens, judgments, Harassment, all that stuff and hung up The number is XXXX Oh and she kept repeating my social security number, and was one number off, and like an XXXX corrected her

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 2023-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I opened an account with BMO Harris bank 3 years ago that was advertised as being an online account with no requirement for physical presence in a state where a branch is located. The bank has taken many thousands of dollars in deposits from me via XXXX. I recently requested an ATM card for the account and BMO Harris subsequently revoked all access to the account by me- I am unable to check balances, deposit, withdraw, or transfer funds. When I called the bank I was told that this was done because I requested an ATM card, and that to restore my access I will need to submit a notarized affidavit to them. This process, the costs, and the triggers for it had never been disclosed to me before this event. The bank is now refusing to answer any of my questions until the affidavit is received.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXXXXXX XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX, Account Number : XXXX, please remove immediately. 

2. Validate Account : XXXX, Account Number : XXXX Please investigate and delete from my credit report. 

3.VALIDATE ACCOUNT : XXXX, ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY 4. VALIDATE ACCOUNT : XXXX XXXX XXXXXXXX XXXX : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP 5. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 6. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP 8. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One Bank lost {$990.00} and refuses to locate where the {$990.00} went to. Capital One already admitted in a previous complaint they screwed up and will not take any accountability for their employee errors when one of their Associates told me they could " cancel '' the XXXX transaction. HOWEVER, LISTEN UP " XXXX '' with NO Last name that responded cowardly to my previous complaint without a chance to refute the erroneous information, I AM NOT interested in your corporate blah, blah, blah speak about your internal policies or how you do not hold the Bank accountable for employee mistakes to suite your own favor. I am only interested in Capital One locating where the {$990.00} went to after it left my bank account because the intended receiving party ( XXXX XXXX XXXX ) did NOT receive this money. One of your banking associates specifically said to me that the {$990.00} was " SENT '' but " NOT DELIVERED ''. So where did the {$990.00} go XXXX XXXX? Find It and Return it!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: WA

Complaint narrative:
upgrade said I took out a loan on XX/XX/2022, This is the first time I heard from them. I never applied for or received any money from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
There was never an agreement on the lease statement, and I tried to get on the lease ; and was never on the official lease. my roommate, XXXX XXXX was and i paid him when the time came. after i moved out, he stayed an additional month and didnt pay. i did not live there and am not responsible for XXXX actions. Please remove this from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Beginning XX/XX/XXXX there were some fraudulent transactions on my accounts in the amount of XXXX Its taken BOA over 90 days and I still do not have my refund yet I have been calling every 3 days to get an update since my account has been frozen and under investigation and each time I speak to a Representative or Manager am told they are working on the investigation and different dates have been given to for the issue to be resolved and I still have not received my refund as of today XX/XX/23

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 2023-03-07 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: Activehours
State: MI

Complaint narrative:
On XXXX/XXXX/23 the XXXX ATM on XXXX and XXXX did not dispense my XXXX withdrawal from my XXXX card. 

I contacted both XXXX and XXXX and did not receive a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a XXXX account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a cc account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a cc account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.

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 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
The XXXX XXXX, XXXX XXXX, at the Center committed fraud. They were paid by XXXX XXXX XXXX XXXX years ago. They also charged for services that were non existent! They continue to harass! 
Have them stop harassing me ; and take off their wrongful charges of {$310.00} owed off my credit report. 

Bureau Name NORTHWEST FINANCIAL SVC Account Type Not Reported Original Len ... XXXX XXXX XXXX Responsibility Individual Age of Account 1 Year 8 Months Credit Limit Not Reported Highest Balance PAYMENT DETAILS {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
( XXXX ) Check Account # XXXX Check issue date : XX/XX/2023 Check # XXXX Check amount {$8000.00} I deposit this check into my TD bank # XXXX on XX/XX/2023 This is a cashier check for the remaining funds for the account ending # XXXX even though the check is payable to someone else name ( my aunt ) but we have already updated and filed a document for the account beneficiary 100 % under my name. We have contacted the issuing bank and letting discover bank knows thats this check have already deposited under my Td bank and they are aware of that so theres shouldnt have any problems or issues for me depositing this check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I financed a XXXX XXXX XXXX from XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. On XXXX ( XX/XX/XXXX ) I received a text message from XXXX XXXXl stating Effective XX/XX/XXXX the servicing of your account will be transferred form XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Westlake Portfolio Management. Please contact Westlake Portfolio Management at ( XXXX ) XXXX to make you payment or to discuss all matters related to your account. 

I have two problems with this : ( 1 ) After making payment to Westlake Portfolio Management as instructed, I received another text from American Financial that customers can make payment and view account information through our new website at www.amfinancial.com. I have attempted to contact XXXX XXXX numerous times to confirm where payment should be sent, but they do not answer their phone. I am currently still unclear where payment should be made as both companies are demanding payment. ( 2 ) Since XXXX of XXXX, I have been in contact with customer service at XXXX XXXX attempting to terminate my lease early. They never provided any instruction, only that an account manager would get back to me. I called nearly every week for an update with the same answer. I have tried to begin the process with Westlake Portfolio Management, however they advised that they can not uphold my existing contract because we dont do that, you can voluntarily surrender the vehicle with impact to your credit report or you can continue to pay off the lease. 

I have worked very hard for years to repair my credit and do no appreciate the lack luster assistance that either of these companies have given me to resolve this issue. I would like this issue resolved so that I can move on with my life far away from both of these misleading companies.

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 2023-03-07 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:
THIS IS MY 2ND ATTEMPT. IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/2023 I receive a text from Chime to verify my debit card activity for a XXXX XXXX charge. The text stated if you recognize or authorize to reply. I replied with a no. Soon after got a call from a Chime agent stating I need to change my password and he needed to verify to close debit card and reissue new card. He sented me a text with a passcode to reset password. He told me my account would be locked for 24 hrs. And call back reset password. Monday, XX/XX/XXXX I went to my account to reset my password. I logged in and 5 transactions of XXXX were transfered out without my permission or knowledge. To an unkown email address. My account was totally wiped out. I called Chime immediately spoke rep who filled out a transaction dispute. Today XXXX I recieved email from them denying my claim .No reason gave. I resubmitted another claim and was told atleast 90 days. I file a police report with XXXX XXXX XXXXXXXX XXXX XXXX case number XXXX.

Company response to consumer: Closed with explanation