vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
BMO Harris Bank opened an account in my name without my permission. I called them and they told me that account has had some activity. I asked them what it was in case the account was opened by one of my lenders and I just did not realize it. ( my auto loan did that ) and they would not give me any information about the account. Operating in the blind I was forced to talk to the fraud department to TRY to get this cleared up. They are asking me if this is really fraud, how can I know without knowing the activity? They refused to share any information about an account that was ( in their eyes ) MINE but want to me make important decisions blindly. 

now I wonder if this account was used for money laundering under MY name and still can't get any answers from them. They hung up on me saying I was getting argumentive. ( It seems like they were just saying that to give themselves cover to justify hanging up on me. ) How can they open an account in my name without my permission? how can they refuse to share information? Maybe THEY are part of the fraud like XXXX XXXX XXXX XXXX? 

This is fraud, it was done by them as far as I am concerned. All attempts to get information was blocked by them. 

My problem is still unresolved. BMO Harris Bank hung up on me before resolving this problem making sure that this fraud will continue to their benefit.

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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a Wellsfargo Auto customer back in or around 2011. I fell behind on payments due to loss of job. Finally was paying back and making payments. I scheduled my final payment through my banks bill pay system the date I told the collections banker I was. This last payment was sent and would have brought my account current. Wells Fargo repossessed my car anyway, even though I was at that exact moment no more than one payment behind. I recently read an article indication that I may be owed compensation due to their predatory practices. I tried calling customer service but without some code from a letter, they would not connect me to a department to see if I was owed anything. The article I read provided the link here as my next step.

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 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
In XXXX of 2022 I cancelled my gym membership at XXXX XXXX fitness in XXXX, Texas. Their website said it was done so I assumed I was good to go. That same month I had gotten a new credit card because I lost my old one. This led to the card I had on file with the gym to be deactivated. Therefore, when I checked my account status on the gyms app the next month, it had said cancelled. Making me believe I was done with my membership officially. However, on XX/XX/2022 I got an email from a law company stating I owed club 4 {$220.00}. I called the gym to see how that could be and they told me it composed of me not paying for my membership and late fees for not paying. This made no sense to me and I explained my situation to them. The manager at the time said there was nothing I could do unless I had proof I went on the website and cancelled my membership all the way back in XXXX. How am I supposed to do that?? So I asked for the GMs email so I could hopefully try to work it out with him. I never got a response. If you look at their reviews their are many complaints about the gym and how it is a scam. Multiple other people have had to pay for not cancelling as well even though they did. Id be more inclined to pay it off and let it go if it wasnt {$220.00}. They are scammers and the GM will not even respond to you. They are very aware of what they are doing. And as of recently the debt majorly dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I accessed the Capital One app in XXXX 2023 to make a payment, and it showed past due but it didn't show me the amount I needed to pay within the app in order to become current. As a result I paid {$50.00} because I thought that would cover it. Now in mid-XXXX I just got a collection call saying XXXX was reported late and wasn't paid in full. I have since enrolled in paper billing statements but haven't received any yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023, I certified mailed Experian ( XXXX XXXX XXXX XXXX XXXX ) notifying Experian they are violating my right in accordance with the Fair Credit Reporting Act. Experian did nothing to resolved this request. The accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 2. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 3. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 6. ) Account Name : XXXX CXXXX XXXX Account Number : 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. 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 7 years.

15 U.S.C. 1681s-2 ( 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 accurate. 
15 U.S.C. 1681g. Disclosures to consumers ( a ) information on file ; sources ; report recipients ( 1 ) All information in the consumer 's file at the time of the request. except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit a scores or any other risk scores or predictors relating to the consumer.

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 2023-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX several times to indicate I would not be renewing my lease. XXXX XXXX XXXX never responded. An end of lease walk through was never completed. I moved out of the residence per my lease agreement. XXXX XXXX continued to charge me rent after I moved out. XXXX XXXX is also charging me for other erroneous fees they state I incurred AFTER I moved from the residence. I provided XXXX XXXX with documentation showing I moved from the residence per the lease agreement. XXXX XXXX never responded. XXXX XXXX then sent my account to collections. I told the collection agency about all that occurred and provided them with documentation to back up my claims. The collection agency said I didn't provide enough information which I do not agree with. If the documentation was reviewed by the collection agency, they would clearly see I moved from the residence and all my claims against the charges are accurate. After I requested the documents to be reviewed by the collection agency, they contacted me without having reviewed the documentation I provided and stated I needed to begin a payment plan even though I do not owe XXXX XXXX the money they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with CITIBANK on XX/XX/XXXX. 
XXXX maintain 80 days qualify {$2000.00}. 
Need to fund within 20 days opening. 
I can withdraw money after 80 days but maintain account another 30 days. 
I had been noticed no {$2000.00} appeared in XXXX. I Went to the branch in XX/XX/XXXX / XXXX. 
XXXX tellers told me to wait around XX/XX/XXXX. 
No {$2000.00} credit was shown, so I went to the branch and talked with the banker I opened account with. She told me I should have gotten the money last year. She submitted inquiry, and told me to wait 7 to 10 business days. I asked her if there is some kind of componsation on being late. 
She said no. And, she gave me inquiry #. 
But, I can withdraw money. 
So, I spoke to general managet and she said, she will personally follow ap and call me. I withdraw $ XXXX and left a penny in checking account. 
There is no phone call from XXXX. Phone call do not go thru. I have been calling customer service many many timed. And I was told to wait 2 more days, next week. Now, 30 days, 90 days. I asked if anyone is working on this case. Now, they till me becuse of promotional case, it will take longer. 
I am so frustrated on their attitude. 
Some, they simply hung up. 

Case ID XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased 3 tickets utilizing my Goldman Sachs Apple Card ( attached ). The event was scheduled for XX/XX/XXXX in XXXX VA. Upon arrival to the venue I noticed that my view was obstructed. I immediately contacted XXXX XXXX to advise that my view was obstructed. XXXX XXXX notified me that no refund is given after the event starts ( attached ). Although their policy ( attached ) states the if a view is obstructed it will be noted on the tickets ( attached ). I initiated a dispute with Goldman Sachs on XXXX XXXX, my dispute was denied. I then initiated a 2nd dispute in XXXX that was also denied. XXXX XXXX did not provide the service that I paid for, which were tickets with an unobstructed view.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
The company is XXXX XXXXXXXX from Comenity Bank. A vendor, XXXX XXXX, sent a refund credit of {$1000.00} back in XXXX. It was sent to a credit card account which I closed last year due to fraudulent activities. 

That card was replaced with a new one which I use and still active. 

I have requested a refund since XXXX, sent them a copy of their OWN statement but has been given the run around. They started a dispute but I am not disputing anything. I just want my {$1000.00} refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: TX

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. 

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 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 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, the XXXX XXXX  XXXX XXXX XXXX ( DEO ) Homeowner Assistance Fund ( HAF ) sent the previous servicer Caliber Home Loans a check in the amount of {$28000.00}. These funds were granted by HAF on my behalf and to be applied towards my mortgage account. According to Caliber I was asked to wait for few months to ensure the check cleared, but later on I was informed they were not able to locate the funds to be applied to my account. 

HAF also provide six monthly checks in the amount of {$3000.00} each. These were applied, but not properly. Interest were even charged twice in the same month. 

I tried for months to obtain a results to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX as XXXX  and XXXX XXXX XXXX XXXX XXXX is committing attempting to steal my property. 

My name is XXXX XXXX. Im am trying to help media exposure and help with obtaining a civil right attorney.

Im being harassed by a foreign entity. The City of XXXX Court of Common Pleas and the Recorder of Deeds is corrupt with illegal and fraudulent deeds, assignments, notes. The Court has fraudulent paperwork causing severe harm and illegal paperwork in the court of law to sue without proof of claim. Police report was filed with the Police Police Department almost a year ago without any investigation being completed. Im a victim being attacked in the Commonwealth of Pennsylvania and NO government is completing due process on my behalf. I AM A VICTIM WITH NO PROTECTION! The Court and Police system is CORRUPTED and under ATTACK BY ILLEGAL PRACTICES. I NEED HELP. All my civil, human, homeowner, privacy, constitutional, consumer, citizen, fair housing rights are being violated. I would like a meeting. 

Mortgage backed securities fraud- XXXX XXXX  XXXX XXXXXXXX XXXX as trustees for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX all continuing mortgage securities fraud on my home trying to foreclose illegally. All the above entities lave been sued by the DOJ for this fraud from XXXX - XXXX but never provided me CONSUMER RELIEF & continues to practice unfair and deceptive misleading and fraudulent practices. 

Complaint lacks standing because chain of titles was broken when note was securitized. They have unclean hands. Corruption with the XXXX Recorder of Deeds has Fake, fraudulent documents included in lawsuit. Incorrect deed of trust, with incorrect amount of mortgage and incorrect date being used in lawsuit. XXXX Police Department has failed to complete investigation since filed complaint on XXXX. 

I have lots of evidence of my original papers and proof of the corrupt judicial system in XXXX. PLEASE HELP ME OR GUIDE ME PLEASE. Im representing myself in Civil and Supreme Court. One of the 7 Justices in the PA Supreme Court gets DONATIONS from the lawyers office handling the case. Its a BIG MONEY SCHEME but I have proof. PLEASE HELP ME. I am a XXXX XXXX XXXX  being victimized by a foreign entity with NO help or relief or remedy from the United States of America. Im afraid for my life due to the unlawfulness in the Judicial system in Pennsylvania. Please help 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 2023-02-14 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: MD

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 U.S.C 1681.

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX 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 an 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 more than seven years.
15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MD

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 U.S.C 1681. 

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 an 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 more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Th debt is not mine. I did not authorize the debt. The debt is fraudulent.

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 2023-02-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX floor supervisor at equifax has violated my rights. And receptionist XXXX was very unprofessional and rude. 
Also XXXX and XXXX were all the same but equifax was the most inhumane and disgusting experience I've ever experienced after speaking with all of them I didn't feel like I had any rights as a American. I let them know if any account not associated to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not mine but they were all rude and disgusting and violated these specific rights below. This is un acceptable and I demand different all accounts not associated to my lifetime address to date To immediately remove all addresses and accounts not associated to XXXX XXXX XXXX XXXX associated to address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 consent. 

XXXX XXXX INQUIRY XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Mentioned over draft fees for Cal Bank Trust checking account Caller ID under Zions Bank Phone number 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 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
The debt was not mine. I did not sign any loan agreement with this company at all. The debt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I attempted to contact this company several time to ask for proof of debt and they have been unable to provide it.

Company response to consumer: Closed with explanation