vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened the account on XX/XX/24 and had no issues transferring funds from my XXXX account into this new savings account. On XX/XX/24 I tried to transfer {$1000.00} from the BMO Alto savings account into my Chase checking account and was denied the next day, following a complete account block due to fraudulent activity claimed by XXXX. The email was sent to me on XX/XX/XXXX, stating that my account ending in XXXX was updated to add an account freeze. There was a number provided on the email XXXX bit that was to XXXX customer service who could not assist nor lift the fraud block. I was then transferred over to the fraud dept where I waited XXXX minutes then was only able to leave a message. I called back and was helped by. XXXX who informed me that I needed to provide a picture XXXX and XXXX statement from my XXXX account to XXXX. I asked if she can send me an email so that I can make sure that I send my info to the correct email but she declined and stated she was not allowed to. I then reconfirmed the email address with the rep and decided to send out the requested info so that I can have access to my account/funds. I have yet to hear back, this whole bank seems fraudulent. How can they accept my funds so fast and easily but as soon as I try to transfer some funds, I am met with restrictions? Their website states, unlimited transfers and withdrawals w/o any fees or minimums. I am finding this very hard to believe and feel these bank needs to be investigated for falsely advertising and possible committing fraud.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My social security has been stolen and i see on transunion that someone on florida is using my social security! I live in XXXX never traveled to florida i had call the police in XXXXXXXX florida and theres an investigation going on i filed a dispute i did everything i can i want to make sure my social not being use by nobody else with different adress i only live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and shows 2 numbers thats not mine these are the numbers XXXX XXXX XXXX  So what are we able to do here there has to be done something this is fraud! Are you able to call the police and inform them as well?? Or whats going ti be done here because this is unacceptable!

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 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was charged a debt i do not owe and put into collections, i switched from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when i switched over i called XXXX auto insurance to cancel my policy, they even provided me with a decleration letter to submit to my new insurance company, at the time of me calling XXXX XXXX insurance to cancel my policy they did not inform me that i owed anything or that they were gon na send anything to hurt my credit, now im in collections and im being contacted by a collection agency, and they can not do that according to 15 USC 1692c ( c )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I phoned Southwest Rapid Rewards credit card ( Chase credit card ) on XXXX XXXX XXXX XXXX XXXX XXXX to ask to close my credit card account. In both phone calls, the assistant indicated the card would be closed immediately. I continue to receive monthly statements indicating that I continue to have an available credit line of {$19000.00}. Worse yet, the statements include the full credit card number which facilitates identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sklar Law LLC
State: NJ

Complaint narrative:
I moved out XXXX no monies was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For the long ngest time I have been asking Bank of America to give me my account back. I even took time out on XX/XX/2024, to resolve this ongoing problem in person. XXXX XXXX at the XXXX, FL XXXX was the employee who confirmed I was/am the only person on my account. They do not have any other account under my identity. Her number is ( XXXX ) XXXX Bottom line, today, XXXX, is proof that the bank has me placing deposits and activities on accounts that reflect another name other than XXXX XXXX XXXX. My real account DOES NOT have overdraft protection. Therefore, it can NEVER be negative. If a transaction wants to go through and the funds are not there, it CAN NOT go through. So, how is it that my online account this morning reflected XXXX XXXX dollars? Whose account is this? It's not even my real FAKE account. Why is the bank doing this to me over and over and over?. XXXX and XXXX stole my XXXX account. I walked into the bank, requested a direct deposit form tied to the fake account they had me banking with. Now it seems XXXX from the XXXX wants that fake account and has me banking with her account that has overdraft protection? Is that how this now goes? 

I'm still being stuffed {$12000.00} every other Friday. CFPB Reference # : XXXX. XXXX Police XXXX # : XXXX. XXXX Ref # : XXXX FTC Ref # : XXXX. Now, since XXXX stole the retro amount of {$200000.00} the bank has me banking with her account? What type of kind of nonsense is that? 

In conclusion, please make the Bank act right with me. I don't have overdraft protection. The account is not mine. I can not continue to be disrespected this way. All over money that belongs to me. XXXX months of bank robbery. Direct deposit bank robbery. And here is proof that XXXX XXXX did NOT withdrawal {$25.00}. 

When will this all end? I went to XXXX XXXX, CA and XXXX stole the {$200000.00} retro money. Now she has me placing activities on " her '' account with whose permission? The Bank 's employees? 

Please have the bank give me back my account that has ZERO overdraft protection. And may I see my {$200000.00} retro money plus {$12000.00} kicking in " again '' this upcoming XX/XX/2024. 

Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
Hard Inquiries that do not belong to me reporting recently on my report - XXXX  XXXX / XXXX XXXX, 2024 - XXXX XXXX XXXX/ XXXX XXXX, 2024 - XXXX XXXX XXXX / XXXX XXXX, 2024 - XXXX XXXX XXXX XXXX XXXX, 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I just recently looked at my credit report from EXPERIAN on XX/XX/XXXX. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX  XXXX  XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 2. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 3. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 4. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 5. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 6. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 7. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B

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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
They said we were late on a payment and came and repoed the car which I did pay the payment but they repo the car and sold it

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been writing Equifax with no response. I am writing to dispute the accuracy of the payment status reflected on my consumer report. Upon reviewing my credit report, Equifax has my payment status as derogatory/collection/charge-off and account not disputed when in fact ; I have been disputing. XXXX has sent a letter to the consumer reporting agencies on XX/XX/2023 reflecting the payment is complete and Equifax has not updated my credit report as paid for over a year. Also, the amount is incorrect according to XXXX. The amt that's on my credit report is {$5100.00}. The acct XXXX has listed is {$5100.00}. The credit bureaus must report 100 % accurate information which Equifax is not. I have attached several documents to support my statement. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Starmark Financial LLC
State: SC

Complaint narrative:
I signed up for food to be delivered from XXXX XXXX XXXX XXXX XXXX and during the call I was offered a warranty that would cover the food in the event my freezer went out. The representative said that the freezer would also be covered. The food cost us around XXXX and we paid monthly on it, along with the extra monthly cost for the " warranty ''. Once we paid the food off, they informed us that we still owed over XXXX for a warranty. We decided not to reorder any food with them and have been harassed by collection agencies regarding a warranty on food we no longer have - not to mention getting a negative rating on my credit report. 
It is not right to try to collect over XXXX on a warranty that we no longer need since we have paid off the account for the food. It was my understanding that the warranty was good for as long as we had the food. The amount they are trying to collect is as much as 8 months worth of food cost us with this company. We were not obligated to purchase more food so why are they insisting that we be obligated to pay for a warranty that covers the food in the event of it spoiling when we DO NOT have the food? And if the freezer breaks down, we can easily replace it for less than XXXX which is what they say we owe. The company contacting us to pay is called XXXX XXXX. They need to correct my credit report and stop contacting me. They want me to pay for something they are no longer providing which is ridiculous. There were no claims and the account for the food is paid off so why are they holding their hands out for money?

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I exercise my rights as a victim to use Debt Bondage Repair Act with Experian. I submitted a letter stated which adverse items were to be blocked I submitted a OTDA XXXX XXXX confirmation letter from the NYS. 
I submitted my insurance I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. 

Experian stated they could not verify my identity but asked me to resubmit the same document I already submitted to their Experian dispute portal

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 2024-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Have a loan with one main financial in there judgment they are responsible for letting consumers know there account was affected I've been asking the csr don't know anything about it so how do I know if my account was affected and owed compensation if the employees don't know about it talk to representatives tonight and nobody knew or heard of the lawsuit or judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: HW Holding, Inc
State: TX

Complaint narrative:
Hard inquiries for car loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally express my frustration and dissatisfaction with the ongoing attempts to remove the charge-off account from my credit report. This marks the several time I have raised this issue, yet it still persists, greatly impacting my financial standing and opportunities. 

Despite providing all necessary documentation and evidence to support the removal of this charge-off account, it continues to appear on my credit report. This recurring issue is not only concerning but also deeply frustrating, as it undermines my efforts to improve my creditworthiness and financial stability. 

It is imperative that this matter is addressed promptly and effectively. I expect a thorough investigation into why the charge-off account persists on my credit report despite multiple attempts to rectify the situation. Additionally, I request transparency regarding the steps being taken to resolve this issue and a timeline for its resolution. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00}.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX  complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent 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 2024-04-17 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation