vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
To whom it may concern, I am a married XXXX XXXX XXXX and my bank that holds joint account with my husband allowed a bank garnishment ( or levy ) against our marital account without a joint judgement : Judgement is in my husbands name for a small business. This occurred on XX/XX/22 for {$17000.00}. 


The levy was applied without a PA order. From various attorneys I learned that PA specifically requires any collection action against it's citizens first be transferred to PA and served 30 days prior to garnishment Huntington Bank will not reverse the garnishment and release the funds from my paycheck. 

They will not provide a copy of the order. Please HELP!! 

I can't pay our bills with XXXX small children in the home. This is negatively affecting my credit and my ability to pay my own obligations. Ive also been hit with a plethora of returned check fees because of my money ( not my husbands ) that the bank took. 

My understanding is that Marital property is strictly off limits and the bank acted improperly by allowing such a garnishment without a joint judgement and now refuses to even help us understand why. The laws seem clear so I dont know why the bank isnt agreeing to follow them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have XXXX checking account with BMO harris ending in XXXX. Also have master card ending in XXXX. 
I asked BMO to have my balance transferred to my checking account and close the checking account and send me the check for remaining balance. Nothing happened.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, my Credit score dropped XXXX points, and I was alerted by XXXX XXXX and Experian. When checking my report, I found XXXX XXXX XXXX reported a past due balance with no attempt to collect the debt and no notice that a dept was due. They also reported the alleged dept as a collection from XX/XX/XXXX. Up until this point it had not been reported and there was no contact to collect the alleged debt. 

I check my credit history regularly and at no time was this reported. I immediately disputed the account with Experian because I am not familiar with it. I have received not supporting documentation that this debt belongs to me and I want it removed from my Credit Report ( s ).

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: WA

Complaint narrative:
I received a preapproved offer for credit from a company called UPGRADE, when I applied, they said you do not meet the requirements and will be rejected so I asked them to withdraw my application and stop using my information, their refusal was implied in an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Before I start typing this message, I want to make sure that Navient does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 
I contacted Navient through CFPB in XXXX because the student loan # ending in XXXX that Navient claims I have should have been relieved under the attorney generals settlement earlier this year. Navient got back and reported that my cosigners XXXX score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. I am requesting Navient to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message.If Navient can not provide me a copy of my XXXX XXXX score showing that my cosigners XXXX score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if Navient can not provide me the proof of that XXXX score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. I will be waiting for Navient to respond on this matter. ( THIS IS NOT A DUPLICATE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
Multiple Unauthorized ATM transactions were made on my account in a foreign state, I notified the bank as soon as I was aware, I received a call from the fraud department in what seemed like they were interrogating me as if I was responsible for these charges. I received a letter stating they will not refund my money to my account because they feel the charges were " valid ''. I have followed all reporting guidelines as stated in on the " zero liability '' section of the account terms. as a customer I use have had hundreds of thousands of dollars worth of transactions on this account now that I am a victim of fraud the bank will not honor their own zero liability claim. 

**Note this complaint will serve as pre-suit notice if a resolution can not be reached**

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
To many current expenses to pay back payday loan. High interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I got a letter from Radius Global Solutions LLC in XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX which I sent money to at XX/XX/XXXX and the debt was due on XX/XX/XXXX. Then they sent me another collections letter on XX/XX/XXXX for XXXX XXXX that is due XX/XX/XXXX for the same company XXXX XXXX which I have never gone through or used. After this I have looked into them and I am not the only one who has had been sent debt from them through XXXX XXXX. I have also canceled my cashiers check to them for XXXXXXXX XXXX  Thank you for your time have a nice day.

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 2022-09-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had someone using my name to get edd benefits threw bank of America and I didn't know they were using my name and having benefits sent to bank of America and spending them without my knowledge. 
My claim was denied due to the fact that I reported the transaction over a year from the time they were made. I had no knowledge that my name was being used to get money sent to bank of America and these people using the cards to purchase items, once I became aware I reported it to bank of America but they denied my claim because I reported it over a year after the cards were used. I had no knowledge this was happening to me. 
I sent them proof I was in the hospital at the time these transactions took place and now it's over a year of waiting for this to get resolved and for me to get reimbursed. I have spent countless hours on the phone trying to get this taken care of and still no resolution from b of a. Please look into this and see I wasn't able to make the transactions because I was in the hospital at the time the transactions were taking place. Thanks for you time sincerely 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 monetary relief
Consumer complaint received 2022-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft. Please see the attached documents for reference.

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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris Bank is reporting incorrect late fees/ missing payments to my consumer credit report claiming Im a month behind for XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 
I spoke to a supervisor and that supervisor told me was an error in their system. 
Same situation happens for several months in XXXX went I actually asked for an extension under Cares act during XXXX pandemic And they reported a late payment on XXXX XXXX when I notified it to them I was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I try to work with BMO Harris but the Dispute Department told me that they dont care and the late fees will show on my credit for 7 years. 
I spend 3 hours trying to connect with someone on the phone, costumer service personal was aggressive and extremely unprofessional, this is hurting my creditworthiness, and affecting me and my kids.

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 2022-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Contacted company via Certified mail on XX/XX/2022 and XXXX/XXXX/220 to ask for validation of debt trying to be collected by this company. 

15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XX/XX/2022 and letter dated XX/XX/2022 '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across XXXX bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT. 

15 USC 1681 602A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I used a Barclays Bank Wyndham rewards credit card to stay at a XXXX hotel in XXXX, XXXX. I am supposed to get 5 points per dollar when using at a XXXX, but was only awarded 2 points per dollar. Barclays said the hotel is not a XXXX, which is incorrect, so we did a three way call with a Barclays supervisor and the hotel who confirmed that the property is a XXXX. She stated she would accelerate the issue and six weeks later I still have no response from them. The account number is XXXX The transaction date was XX/XX/2022. The transaction amount was {$670.00}.

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 2022-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).

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 2022-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).

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 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This debt collection company has called me 7 times today and left me 4 voicemails. I dont even know what this debt is for. They call at all hours of the day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I disputed capital one since it appeared again on my credit report again as a charge off and late payments, this is fraud, capital one personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since capital one is fraud and I didnt sign up for it and as they see on there records it was indeed removed and Capital one did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
THIS APPEARS TO BE A FEDERAL CASE, LET ME PREFACE BY XXXX RECENTLY HAD MY XXXX ACCOUNT TRANSFERRED TO A NEW ADDRESS AT WHICH TIME MY SISTER AND I OPENED A JOINT ACCOUNT. FOR 2 MONTHS NO TRANSACTIONS WERE ON MY ACCOUNT ONLY ON THE JOINT ACCOUNT, BUT THIS MONTH XXXX 'S STATEMENT HAD A WITHDRAWAL FROM MY DEBIT CARD WHICH I NEVER USE FOR XXXX OF {$190.00}. ALSO SEEMS ODD THAT I RECEIVED A MESSAGE ON MY CELL XXXX XX/XX/2022 FROM XXXX WHICH STATED " HI XXXX OUR TEAM HAS JUST RECEIVED YOUR XXXX PHONE BILL PAYMENT. WE WILL SEND YOU XXXX XXXX STOP TO END XXXX ''. I HAVE NEVER RECEIVED NOTIFICATIONS ON MY CELL ONLY THRU EMAIL. 

I HAVE NOTIFIED MY BANK AND XXXX WHO STATED THEY WOULD TAKE ME OFF DIRECT PAYMENT, THANKS FOR YOU ASSISTANCE AND SHOULD YOU NEED FURTHER INFO PLEASE CALL 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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have an open complaint pending with Selene Finance LP. Reference to application for loan modification due to hardship. 

I was verbally informed by Selene Finance Representative my modification was approved and I was very upset because the results of my trial payment was much higher than my loan payment, if I had temporary problems paying my mortgage with {$700.00} less than my approved modification and higher interest rate didnt make any sense

Company response to consumer: Closed with explanation