vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc.
State: NC

Complaint narrative:
Hi, NOVO Bank wouldn't allow a transaction to go through and flagged it as a fraudulent charge and it wasn't. I've had charges from XXXX using that account. 
I am unable to call them, I can only email and now they won't respond. I asked them to update the phone number on the account because it is a business account and I no longer have the business number or address. I couldn't log into the account because the verification is going to that phone number. If they had never blocked that charge, I could have updated everything myself. I verified the last deposit and asked them to either allow me access to the account and take the freeze off or mail me a check and close the account. It's been about a month and they have done neither and won't respond. I really need my money out the account. They have no right to keep it all because I had my phone number changed. I sent a photo of myself holding my license so they know that I am the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I got couple of fraud requests from Venmo. All of those requests came from Venmo email address ( XXXX ). 
When I checked with Venmo, they mentioned it was forwarded by fraudster who was trying to scam me off money. However the email came directly from venmo. 

In addition, while trying to contact venmo and report fraud to make sure I am not scammed, all of the options provided in the help section was inaccurate. There is no direct option to reach when you are reporting fraud. Being a financial company that deals with XXXX transfer, it is really upsetting to see a site having no proper fraud protections and having proper help when fraud is committed. This is something encouraging scammers as they are very little preventions in place set by venmo. 

Not sure how a financial organization can go about with so little protection when consumer privacy and protection should be of paramount importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. There are two inquiries in my XXXX profile that doesnt belong to me or any product that I have. 


Inquiry information : Bank of America. XX/XX/2023 XXXX XXXX bank, XXXX XXXX I dont recognize those inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: AR Resources, Inc.
State: FL

Complaint narrative:
My hospital bill went to collection yet was never send to my health insurance XXXX XXXX XXXX XXXX XXXX NY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was with bank of the west for years and they were acquired by BMO. Around XX/XX/year> they froze my account due to a large deposit I made. Not just the check, my entire account. I can not log in to my mobile banking to moniter. Ive went to the branch several times, and they told me to call the fraud department. When I call them, they act as if nothings wrong and they cant find my information regarding the freeze. They never gave me a case number, so its impossible for me to have any point of reference when I try to do anything. They keep giving me the run around. My concern is that some of the payments I made did go through which I only know about from going to the branch- so this freeze isnt all that secure. I cant see anything, and their customer service seems to have zero communication between each department. The few times I did manage to get a hold of someone that seemed like they could be of any help, theyd ask me a question about what seemed to be a random transaction. They would then tell me that my bank is off hold and I have access. When I would try to use my debit card, it would still decline and I still have no way of accessing online banking. At this point I just want to pull my money out, because Ive seen this happen to a lot of others that bank here. 

They havent communicated with me at all, every time I have spoken to someone is because I attempted contact. Im building up payment reversal and interest fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, is writing this letter on XX/XX/2024, to file a complaint against XXXXXXXX XXXX and Credit Management L.P file XXXX for reporting a collection on my credit report that I had already paid on XX/XX/2024. I have attached evidence of her payment and proof that I called the company on XX/XX/XXXX at XXXXXXXX XXXX. on phone number XXXX to make my final payment. I spoke to the representative, and he adjusted my bill since my services were disconnected, and I returned the final equipment a few days before. The employee from XXXX adjusted my bill to {$250.00} dollars and sent me a link to my phone to pay the bill, which I did. However, on XX/XX/2024, my credit score dropped XXXX points due to a collection, and after looking into it, I found out it was from XXXX XXXX, a bill that I paid on XX/XX/2024. I have an excellent payment history, and in the month of XX/XX/2024, I paid almost {$15000.00} on my credit card. Therefore, I am very upset that this affected my credit when I am preparing to purchase a home. I contacted XXXX XXXX, but they kept transferring me to different agents, and nobody gave me a direct answer. They left me waiting, but nobody could give me an answer since I was scammed by their own employee, and they can find out because they record their calls and track their calls. The company employee from XXXX XXXX was a scammer, and they needs this erased from her credit report and investigated since more people can become victims, and this issue is extremely stressful to be resolved. 

I, XXXX XXXX contacted the collection agency and asked them to remove the collection from my credit report, but they refused to do so. I believes that this is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau or Federal Trade Commission investigate this matter and take appropriate action against the collection agency and the scam company. I would also like to request that the collection be removed from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: NY

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 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Asking for two credit card debt which were involved in Fraudulent Activity and reached out but the company never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: De Lage Landen Finance, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, De Lage Landen accessed my consumer credit profile. On XX/XX/XXXX, a certified letter was sent to De Lage Landen notifying them of the unauthorized request, as this constituted a violation of my rights under the Fair Credit Reporting Act 604 ( 15 USC 1681b ), as well as a violation of my rights to privacy. I requested De Lage Landen to investigate and furnish the names, business addresses and phone numbers of those who initiated this unauthorized credit inquiry, as well as furnish a copy of the source document signed on my behalf so that I may verify its validity. De Lage Landen was advised if they found I was not the one who authorized this inquiry, I that it be removed immediately from my credit file, and to forward me documentation that the unauthorized inquiry was removed. If they found that I am in error, please send me proof of this. Finally, I requested an updated copy of my credit report, which should be sent to the address listed. De Lage Landen has failed to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and XXXX, XXXX and Transunion all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to remove the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and Equifax, XXXX and XXXX all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to remove the items. 

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  As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Asking for two credit card debt which were involved in Fraudulent Activity and reached out but the company never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Here is what happened. ( see below ) Monterey Collections Services ( " Monterey '' ), functions as a comprehensive receivables management company. We acknowledge receipt of the complaint filed with your office by XXXX XXXX regarding the account with XXXX XXXX. We have reached out to XXXX XXXX who confirmed the account details including names, addresses, and the outstanding amounts due. XXXX XXXX entered into the attached Vacation Membership Purchase and Sale Agreement with XXXX XXXX on XX/XX/XXXX. By accepting and signing the attached Agreement, XXXX XXXX is bound by the terms of the Agreement and XXXX XXXX Covenants, Conditions, and Restrictions, including payment of sums due, default remedies, and credit reporting. As per the attached payment history, XXXX XXXX did not make any of his monthly contractual payments and the full defaulted balance was assigned to Monterey for collections on XX/XX/XXXX. Please note, Monterey does NOT own the debt. It is simply collecting the assigned balance on behalf of XXXX XXXX. The Rules and Regulations listed in XXXX XXXX contract outline in the event that BUYER ( XXXX XXXX ) is sent to a collection agency, specializing in overdue accounts, the collection fees of the services will be paid by the Buyer. At the time the account placed in collections, a collection fee was added to the account in an amount allowable by law and the state governing the contract. XXXX XXXX first spoke with an agent at Monterey on XX/XX/XXXX. While exploring a possible resolution, the agent inquired about transferring the balance to a loan, which would reinstate XXXX XXXX account with XXXX and allow him to make monthly payments to the loan holder without the impact of negative collections credit reporting. XXXX XXXX was advised that, should the account remain unpaid, it would begin reporting to the Credit Reporting Agencies as an open collections account. Monterey asserts the validity of the debt and balance and the right to pursue collections and is diligently reporting complete and accurate data to the CRA. The principal amount due is {$10000.00} ; Late Charges amount to {$91.00} ; Collection Costs amount to {$3600.00} ; and Accrued Interest is in the sum of {$33.00}, accruing daily. Consequently, the total amount due is {$14000.00}. However, our office has communicated XXXX XXXX concerns to XXXX XXXX, who has agreed to remove the account from collections if the balance of {$3800.00} is paid by XX/XX/XXXX. XXXX XXXX would then be responsible to resume paying his contractual monthly payments and maintenance fees to XXXX once the account is reinstated. We encourage him to contact our office at XXXX to take advantage of this offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
In XXXX of 2023, we made a one time, electronic payment via loan depot website for our XXXX mortgage payment. They debited two payments without authorization. They admitted to the error and said they would take care of any fees, over drafts, etc. We took out advances to cover the expenses since it took almost a week for them to refund the monies. We had pending payments at the time the they took the double payment, and were attempting to prevent overdrafts and late fees for other pending bill payments we had made. They would not help with those advances or overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am trying to payoff an end-of-lease payment with GM Financial. However, when receiving the end-of-lease statement it contained XXXX charges that should not be charged to me ( 1 ) the disposition fee which was once removed then added back - I qualify for this waiver because I purchased a new GM vehicle ; and XXXX 2 ) the Condition Report containing a {$170.00}. charge ( and associated taxes ) for a part that *did not* come with the car. 

I have called GM finance multiple times ( for example, on XX/XX/2024 spoke to Agent XXXX - then a few days later spoke to " XXXX XXXX' agent XXXX - then about a week later yet another agent after having no resolution to my online filed complaint, as well as multiple emails to XXXX ( requested by GM Finance ) to resolve this. GM each time said I would be contacted within XXXX business days but this never happened. The last agent I spoke with said the records indicated I requested *not* to be called, when in fact I asked the opposite - for someone TO CALL ME to resolve these issues. 

In the emails to XXXX I included a copy of the window sticker of the car, indicating the part billed to me was never included with the car. 

Finally, I have *no statement* ( online or written ) showing what the charges billed are being billed for, and why I am supposedly " two days late '' when the lease end date is XX/XX/2024 ( today is XX/XX/2024 ). The phone hours posted on the GM website are incorrect and I can not leave messages or get any help on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: GA

Complaint narrative:
This account was charged off on the following date ( MONTH, YEAR of charge off ). Since then the account has repeatedly been updated as charge off every month. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate his account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Experian : Name : XXXX XXXX XXXX XXXX : {$730.00} Account Number : XXXX Opened : 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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; TransUnion, XXXX and XXXX. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, TransUnion, XXXX, and XXXX fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, TransUnion, XXXX, and XXXX furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : TransUnion, XXXX, and XXXX does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e. 

By not adhering to these statutes, TransUnion, XXXX, and XXXX jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: FL

Complaint narrative:
Transunion dropped my score from XXXX to XXXX applying for XXXX XXXX credit card. I year later. my score is still the same after not being approved for the card. ok

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