vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, a person who had stolen my husbands identity walked into a branch of the BMO Harris Bank somewhere in the XXXX XXXX area. He tried to cash a very dicey looking check ( my husband and I have seen a copy of this check ), and was told that he couldnt have the checked cashed, but that he could deposit it into the joint account checking account belonging to my husband and me and then make a withdrawal. He then made two withdrawals totaling {$8000.00}. In other words, the bank assisted with the theft. When my husband and I learned of this illegal activity on the account, we reported it to Harris Bank. They filed a fraud charge with their department and set up a new account for us with a fraud alert on the new account. Then on XX/XX/XXXX, a person walked into a branch of BMO Harris in Indiana and cashed two fraudulent checks totalling {$7900.00}, using my identity ( despite the fact that there was fraud alert on the account ). We were actually out of the country in XXXX when this occurred. However, we found out about it when we returned, reported the theft to Harris bank, and were told that our checking account would be frozen. They assured us that no money could be taken out of the account. This was on XX/XX/XXXX. However, on XX/XX/XXXX, someone walked into a branch of Harris ( Harris did not tell us of the location of this branch ), and cashed a fraudulent check for {$2900.00} using my husbands, XXXX XXXX, identity. Mind you, this is after we had been assured that our checking account would be frozen. ( No money could be withdrawn by anyone. ) Since then, on XX/XX/XXXX, we withdrew most of our money ( all but {$200.00} ) from Harris Bank. Now, we realize that BMO Harris is not responsible for all identity theft. ( Although we do wonder if they have had a data breach that they are not telling us about. How else was our bank account information stolen? We have had no problems with other accounts or credit cards. ) But the bottom line is that they have been appalling lax about securing our accounts. A fraud alert and even a frozen account were all ignored by the personnel at the bank, as the criminals walked out the door with our money. Isnt the very essence of banking to keep the consumers money safe? Harris tells us that within six months they will complete their fraud investigation. In the meantime, though, we have lost this money, even if it proves temporary, and we are appalled at Harris Bank 's sloppiness and feel the need to report 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 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In the past months I have been faced with a financial hardship with me being sick with XXXX  and being on unemployment witch I only receive XXXX I have reached out to ally financial about my situation over the phone and Thay have ignored my situation with more calls more harassment and I paid them XXXX on XX/XX/2022 and tried to get on a payment plan Thay would not let me so the came in the night to reposed my car and my personal items in the there as well I contacted them about this matter but all Thay want to discuss is 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 2022-12-22 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
Dear USAA, As a XXXX year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and XXXX in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either XXXX of my mother 's or my accounts. I have called approximately XXXX times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately XXXX hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about XXXX minutes. XXXX weeks ago on XXXX the call was probably XXXX minutes and the call on XXXX was over XXXX hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a XXXX to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on XXXX or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am FED UP with USAA 's incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Beginning on or around XX/XX/2022, what is now known to be " Wakefield XXXX '' has been harassing me at work and home phone numbers. They fail to state they are a debt collector and instead purport to be an legal agent. They call from one number and yet list a completely different number to call back. Further investigation reveals that both numbers lead to the same place. 

Upon further review, the company answers the field differently per each call, such as today when called back I received the following answers : 1 ) Wakefield 2 ) None of your business 3 ) Wakefield XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX At none of the times they were leaving messages, nor when called back, did they state at any time they are a debt collector. 

They also continue to harass after being informed that I filed a bankruptcy, so any debt collection is not only invalid but also against federal law. 

I have attached a copy of their voicemail that was left on XX/XX/2022. 

Company has failed to EVER provide debt validation, nor have they ever even sent documentation to me via mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Trying to close my Robinhood Marketing account. They are refusing to release my funds to my verified banking account. 
I have tried resolving this and I just keep getting put back into the automation cue for a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-12-22 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I receive a letter from Nationwide Recovery about a medical bill I do not recognize. XXXX they send a response to my letter in which now has a XXXX  child name on it with a XXXX debt. Not sure when the debt was accumulated. Researched the statue of limitations is five years in Florida and asked them to send me authorization paper work from medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX7 has violated my rights 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

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 2022-12-22 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I was having an issue with the Credit Karma debit card. I attempted to withdraw money from an ATM, but the ATM did not release any of my funds so Ive decided to report it to Credit Karma and they asked me for information about the transaction. I provided them all the information they need it for the transaction but credit karma is not helping me with my dispute process. They keep giving me the runaround said documentation is required when I already sent documentations. I really need help with my dispute and I really need help getting my money back from the broken ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER XXXX XXXX CODE XXXX THE ITEMS SHOULD BE BLOCK AND REMOVED.

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 2022-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I use the Experian app to monitor my credit. I contacted Experian on XX/XX/XXXX at approx XXXX because I saw XXXX new credit inquiries. 
XXXX ) They occurred on : XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX. 

XXXX ) I did not apply for any new credit with these XXXX companies and disputed both inquires. 

XXXX ) I did contact the tel numbers below that were listed on the inquires but was not able to reach anyone. 

XXXX XXXX XXXX XXXX ) I disputed the inquires, requested to freeze my credit profile and to put a fraud alert on there as well. 

The customer service representative informed me that they will remove the inquires and inform XXXX and XXXX for the fraud alert.

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

There is an error on my report. This account they are reporting is identified as a repossession yet they continue to report late payments since the vehicle is no longer in my possession it will be impossible for me to default on the payments after the fact. I have the right to an accurate credit file and discrepancies like this are 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 explanation
Consumer complaint received 2022-12-22 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-12-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXX XXXX  falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from Covid 19. 
XXXX contacted me back and fixed my report. XXXX and Experian still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of today XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this 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 2022-12-22 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: GA

Complaint narrative:
I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation