vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX  loan balance is XXXX they reported XXXX I was denied for my mortgage due to this. They stated this was not their fault and I was a victim of credit report timing. They have cost me my new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank advertises transactions will take 1 to 2 business days to clear. 
In my experience this is accurate when making deposits into the account. The day following the transfer request I can see the money in BMO Alto account. 

I requested a withdrawal out of the BMO account to a linked external account Tuesday XX/XX/XXXX at around XXXX. As of the date of this complaint it is XXXX Friday XX/XX/XXXX so going on to four days since transaction was initiated and the Bank has still not approved the transfer. I needed the money for today XX/XX/XXXX so I now need to use a credit card to make this payment which will cause me to incur additional fees. 

BMO alto does not allow you to speak to any supervisor. I've called approximately 8 times over the last 3-4 days and each time I was advised that a supervisor was not available and there is no mechanism in place to reach a supervisor. I was provided with the Bank 's fraud dept phone number as I had been advised that my withdrawal was flagged for fraud review. Unfortunately the number provided is an unmonitored number. I would call and wait for about 8 minutes and then get a message that mailbox is full and it would disconnect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Make multiple payment monthly on my citi card with no issue. Had a family emergency for which I needed to wire money. My last statement my limit was {$5000.00}. Made a {$2500.00} payment to perform the wire transfer. Once I made the payment on the XXXX of XXXX they would not let me complete the transfer and the reason they gave was because as soon as I made the payment they found it a great time to lower my limit to an arbitrary # of XXXX. Without any notice. When I called to inquire they hung up on me twice and then finally said that we decided on the XXXX to lower your limit and we sent out a notice on the XXXX. In order to stop them from basically taking my money I told my bank to stop payment and when that wouldnt work I withdrew the funds from that account. If credit card companies can operate with total impunity on their customers by lowering credit limits instantly without review than the system is completely upside down and Id rather stay in debt and take my cash off the grid. Credit is supposed to work for us not rob from us. But in the end I realize that the entire system for which our economy is based is really just a figment of imagination and can be deployed by the credit card companies however they wish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I had my wife deposit a check she was told the check would have a two day hold. 24 hours later she was called and informed that it would not be released in two days. It would be a 7 day hold. I felt like my wife was lied to. I asked for the check so I can go to the bank from where was from they said no. As a small business owner it already took me over 30 days to get the check from the company I worked for to hear my bank was holding it for another 7 was unacceptable because I needed the money released to pay for my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Again, Equifax is screwing around. It definitely seems like I am being targeted for either filing previous complaints or my minority status. On XX/XX/XXXX my score was XXXX. Equifax knocked it down to XXXX the only change being a charge of {$250.00} on XXXX. XXXX points just on that change. They corrected on XXXX. Now again they dropped XXXX points just on a charge of XXXX on my XXXX. This is totally ridiculous and seems pretty obvious I'm being targeted for some reason. The other reporting agencies are not doing this. This is about the 4th or 5th complaint I have filed to Equifax. I have never been late on any payments, and have 29 % usage on all my cards combined and income of XXXX. I demand that this get corrected immediately and have someone in management reach out to me to explain to me why this keeps happening and how they plan to correct this moving forward. When you call customer service the reps are clueless. I am very close in filing a lawsuit for discrimination and the hardship that this creates when they keep playing around with my score. I'm sure if I take legal action it will become a class action suit. I'm sure they are screwing a lot of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: WI

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-11-17 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: PR

Complaint narrative:
I have spoken with representatives at XXXX and received communication via email on my XXXX  account as Meets requirements of the Fair Credit Reporting Act. XXXX has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the XXXX line item LATE PAYMENT be excluded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/ I mailed a dispute to Transunion. They sent me a letter stating that the dispute doesn't seem to have came from me so they didnt process it. I replied with the letter and advised them that the letter did come from me and to process it, which they DID NOT do. On XX/XX/ I sent another letter and again, it was not processed but they responded with the same auto response. My disputes are not being validated within the 30 days per the FCRA and they have not handled this appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Yes I sent multiple letters certified to Experian, showing multiple reporting errors on my report. They did not respond and kept sending me emails stating they did not think it was me. I sent them stall letters stating that they were just stalling to not take care of the issue. After finally calling them and stating my concerns they finally processed my letter after over 30 days, Claiming they know have 30 days to respond. Which is incorrect because they have 30 days from my letter is received. They then " verified the debt '' just two days after I called. I ask for proof of verification with no response. I demand that these accounts be removed from my report as they are inaccurate and they are violating consumer law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My elderly batchelor uncle, died in California in XX/XX/2020. He had no living heirs, beside myself and my three sisters who all live out of state and were not contacted about his death until the XXXX XXXX XXXX called us in XX/XX/2020. 

By the time we learned of the death, individuals unknown to us, had cleared out his condo ( where he had lived for XXXX years ), and were in the process of clearing out his approximately {$200000.00} of bank accounts- with the assistance of his two banking institutions. At the time of his death, ALL of his money was in his PERSONAL NAME. He had {$0.00} in any account titled as a Trust Account, and funded no trusts. Irregardless, CitiBank turned over more than {$170000.00} to an individual who claimed to be his " Sucessor Trustee '', and converted personal funds into Trust funds... POST DEATH. By doing so, CitiBank employees violated its own internal bank policies, and California Trust law. The individual to whom CitiBanks gave his money, had no right to his Estate Assets, without approval of the California Probate Court. 

In our subsequent lawsuit against this individual, through discovery we were provided a copy of a {$20000.00} CitiBank Official Check our uncle had purchased in XXXX,XX/XX/2020 That check is still outstanding - as the interloper/ '' crook '', has not able to negotiate it. Only his true Estate Executor can do so. 

Using the same CitiBank " Small Estates Affidavit '' that Citi let the interloper use to drain all the bank accounts- I have sent three written requests to Citi to both be named legal successor, and to gain access to this {$20000.00} check. I believe there may be other funds of our late uncle also 'stored ' in Official/Cashier checks. This was his long-time practice. Citi has dodged, delayed, and obfuscated on my requests, no doubt understanding their culpability in this matter. I had hoped to resolve this issue without having to use the California court systems again, but that seems now hopeless. The bank 's legal liability here, is crystal clear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: U.S. BANCORP
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/2023 I submitted information to XXXX XXXX XXXX  to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message. 
When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : Name Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 2023-11-17 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: MS

Complaint narrative:
I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For Year Bank of America has been collecting via ACH payment for a deb that is not mine. It sees someone stole my account and RTN number and i did not realized until a few month ago that every moth i was being debited around {$70.00} the description of the transaction in my checking account is as follow : ONLINE PMT BK OF AMER VIXXXX XXXXPOS INTERNET PAYMENT I have not being able to get help from Bank of America since i nothing to go by other than the debits i see on my account. I am just being debit via ACH by bank of America and i have no idea why since the amount is small and my husband is the one that reconcile the account, he never questioned, until 3 moth ago I noticed there is no reason why BOA to debit my account. I went to my bank TRusit and i requested a stop payment and they did, but this month BOA submitted a payment for the 3 last payment that were rejected by my bank debiting my account {$170.00}. My bank could not return the debit since we had a stop payment for a rage amount of XXXX to XXXX due to always being that amount. I now will have to close my account to stop BOA to continue still my money I demand a resolution since I have never authorized BOA to debit my checking account, I am 100 % sure they do not have a debit authorization signed by me or a consent to debit my checking account at XXXXXXXX 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