vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I sold shares from the XXXX in XXXX. Wise is the financial institution the funds were supposed to transfer into. My broker didnt appropriately update my new bank details with the sale ( I have a seperate ongoing thread on this ) so the funds got transferred into my ( recently made XXXX XXXX ) old bank account with Wise. After weeks of back and forth with both Wise and my broker, a Wise representative mentioned that the old account details would still work until XX/XX/XXXX so the funds are likely in the old account ( despite many reps telling me they have transferred the funds back to my broker, and my broker insists they havent received them ). 

Wise are now saying they are looking into all transactions in XXXX and will have answers in a while ( not good enough! ). Wise have been inconsistent with the information they have given, havent made an effort to find the missing funds, and wont respond to emails or calls with specific information, only generic responses which dont work in this case. When Ive asked to talk to more senior staff, Ive been told the organisation is flat and they have no more information for me.

I need Wise to properly look into my funds being in the old bank account details and stop ignoring my concerns that they have my money ( which is over {$20000.00} USD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BMO bank verified me over the phone for almost 3 hours. They then called me the next day and requested my bank information over the phone. They told that I had to deposit a certain amount in both accounts. After that verified me for almost 3 hours and took some of my money from my old account they locked my accounts and then said they could verify me. They then turned mean, and rude. With this account you get a bonus if you transfer a certain amount. I find that these banks including BMO try to get you to open a account for their investors then they make it difficult for you access your account. They then started complaining about people trying to steal their money. However, I have to put money in the account and keep it there for months before I would get a bonus. After they took my money they refused to allow me access to my money. They had verified for hours. Then I stayed on the phone for days trying to access my funds. They then became very mean and refused to help me access my money unless I got forms signed and notarized which I did. Then no one from BMO called nor apologized to me!!! The last person I spoke with in their customer service had some very strange sound in the background. It was so distrusting I had to ask him what the sound was. His reply was, " Does it sound like something rubbing against the phone. '' Yikes!!! I want that phone call pulled. I am requesting someone from your corporate office call me!!!

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My father needed to cash his check at the US bank location inside of the XXXX 's at Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. I was being helped by the manager XXXX XXXX. He asked if we had an account, and we let him know we did not. He asked if we have an account. We told him we did not but his pension through the roofers local allows him to have his checks cashed with no fee and no need for an account. We have been coming to this location and cashed checks before. He again asked if we had an account or wanted one. He said he can not find my father on the system. He started asking for my fathers ' social security number. I told them we will not provide that and he said he has to have that to cash his check. I said that didnt sound true and he should never be asking a senior for his ssn. I told them this was unacceptable and it took a lot to get him ready to go all the way down to the store and not get assistance after doing this for almost the last year with hardly any issues. This is the second time coming to this branch and getting harrassed and mishandled to just get a check cashed with out any fees and having to open a bank account. This branch continues to ask for unneeded info and try and get us to sign up for an account when we do not want to. Since we do not, they make it extremely hard on numerous occasions to cash my fathers pension check. Something needs to be done about this branch and the manager XXXX XXXX. I call the corporate number XXXX to complain. I asked to file a complaint and was not a customer. They placed us on hold for 10 minutes. They got back on and said " we need to pull up a form so you can file your complaint and it will be a few more minutes. ' '' I got placed on hold for another 10 minutes ( 20 mins total ). The agent got on the line and said we need to have someone contact you back. This is 100 % no one cares, no one is going to help and there is nothing anyone is going to do about it. I want action taken as this service all around was pitiful.

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 2024-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Kramer and Frank LLC brought a loan from the XXXXXXXX XXXX for only XXXX in XXXX per the court doc they filed. The loan was take in XXXX. Kramer and Frank and doubled the amount in interest on the loan. Their practices are robbery. They will not answer the phone about the matter and I can not get in touch with the correct person to handle the case. No one will provide clear answers or speak with you. They never served me in XXXX ( as the original ) court document has. They are a predatory company who are using practices to rob the poor and not provide information needed to settle this matter. Their practice and fees should be looked into and their target demographic that they are charging unruly interest on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2024-01-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: IL

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 2024-01-10 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: IL

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 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 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 2024-01-10 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: NC

Complaint narrative:
XXXX  Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, Equifax, XXXXXXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXXXXXX XXXX XXXX XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX EQUIFAX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX- Account # XXXX XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and Equifax ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, Equifax, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I am not liable for this debt with XXXX loans. I do not have a contract with Dobberstein Law Firm L.L.C. They did not provide me with the original contract as I requested and is violating my rights under the Fair Credit Reporting Act and need to cease and desist from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NV

Complaint narrative:
I called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-01-10 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: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
On XX/XX/XXXX someone open a account in my name I reported it as fraud XXXX they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Kikoff Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX someone open a account in my name I reported it as fraud XXXX they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
Hello, I just need this one inaccurate account be removed on my credit report from all credit bureaus record because they have reported it incorrectly. A lot of information doesn't connect, match and align with each other, thinking that youre only acquiring this information from one source or creditor. How can that meet the Standards of Accuracy if the reports from each bureaus differ from one another? 

This is the main reason why I have reason to believe that this account was incorrectly reported under my name. I never authorize any individual or entity to add this item on my file. So this must be automatically removed and deleted as promptly as possible. 

While I was scanning through my credit reports. This one particular account named XXXX XXXX with account # : XXXX. All three credit bureaus have different interpretation of each categories and descriptions : 1. Account Type - Detail > TransUnion said it was a deposit related but XXXX said it was UNKNOWN and XXXX has no comment 2. Account Status > TransUnion XXXX XXXX said Derogatory but XXXX said PAID 3. Date Opened > TransUnion said XX/XX/XXXX but XXXX XXXX XXXX declares XX/XX/XXXX. 
4. No. of Months ( terms ) : XXXX says ONE but TransUnion and XXXX says ZERO 5. Date Last Active > in TransUnion was on XX/XX/2023, XXXX says XX/XX/2023 and XXXX was XX/XX/2023 XXXX. Date of Last payment : TransUnion XXXX XXXX has NO Records, while XXXX declares XX/XX/2023 Thus, I demand that this account must be deleted.

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 2024-01-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I just need this one inaccurate account be removed on my credit report from all credit bureaus record because they have reported it incorrectly. A lot of information doesn't connect, match and align with each other, thinking that youre only acquiring this information from one source or creditor. How can that meet the Standards of Accuracy if the reports from each bureaus differ from one another? 

This is the main reason why I have reason to believe that this account was incorrectly reported under my name. I never authorize any individual or entity to add this item on my file. So this must be automatically removed and deleted as promptly as possible. 

While I was scanning through my credit reports. This one particular account named XXXX XXXX with account # : XXXX. All three credit bureaus have different interpretation of each categories and descriptions : 1. Account Type - Detail > XXXX said it was a deposit related but XXXX said it was UNKNOWN and Equifax has no comment 2. Account Status > XXXX XXXX Equifax said Derogatory but XXXX said PAID 3. Date Opened > XXXX said XX/XX/XXXX but XXXX XXXX Equifax declares XX/XX/XXXX. 
4. No. of Months ( terms ) : XXXX says XXXX but XXXX and Equifax says XXXX 5. Date Last Active > in XXXX was on XX/XX/2023, XXXX says XX/XX/2023 and Equifax was XX/XX/2023 XXXX. Date of Last payment : XXXX XXXX XXXX has NO Records, while Equifax declares XX/XX/2023 Thus, I demand that this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Most banks are frauds with duplicitous dealings. I have filed an ID theft report and will file a police report in due time for the ID theft to hopefully ultimately determine and catch the perpetrator. Regions Bank is of no help and only serves to harass me. I already filed a complaint with the XXXX to contact them with the resolution of not contacting me about a fraudulent account. I am sure they will do their best to craft and intricate lie in response to this complaint while ignoting the XXXX  complaint. I am paying a lawyer an extensive amount to clean up the ID theft and don't need to waste resources on some subpar regional FI who can't even comprehend the factors and steps involved for a true property rights claim. Maybe, like most banks, they can " legally '' steal someone else 's money who is more unsuspecting.

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