vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have my paycheck deposited via mobile on the XXXX and the end of the month. BMO sends two emails, one that the deposit was received, the other that the deposit was approved. My XX/XX/XXXX deposit was approved by the bank. Typically, the next day around {$500.00} in funds is released and then on the second day I have full access to my funds. When I kept checking my account on Friday, XX/XX/XXXX ; there were no funds ; I received no further notice from the bank so I called the customer service line on Saturday XX/XX/XXXX and spoke with XXXX. She informed me that my paycheck is being held by the fraud department ; she informed me that in looking at my history I've been depositing my paycheck from that company since XXXX or XXXX. She could not tell me why the fraud department has a hold on my funds at all and gave me the fraud number to call. When I contacted the fraud department they told me the hold was on the funds until XX/XX/XXXX and that there wasn't anything they could do about releasing the funds until then. As a back story, in XXXX of this year, I closed another BMO checking/savings account due to the possibility of a scammer getting a hold of my funds. I was assured by XXXX at the XXXX XXXXXXXX XXXX that my new account will not be tied at all to the old account and there should be no problem with my paychecks going through. My XX/XX/XXXX paycheck went through without a problem but my XX/XX/XXXX paycheck, which was received and approved has been put on hold - for what reason? I do not understand. I have utilities and phone bills and mortgage and now I'm scrambling to get these deadlines extended so I do not incur any disconnect fees or handling charges. The fraud department was extremely rude and said there was nothing they could do about it, just wait until the XXXX. Easy for them to say, they have their paycheck in hand. This has caused great financial and emotional distress to me and I am beside myself as to why this has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
For weeks I have been trying to withdraw funds from my savings Marus account but I keep getting an error and can't withdraw funds. I called on XX/XX/2024 at XXXX and a rep answered the phone and I told her that I was having problems withdrrawing funds from my savings account and she without saying anything put me on hold and left me talking on the phone while she was typing. About 10 minutes later I get this recording saying : tell us how you rate the service you received. And that was it. Nobody handled my call and nobody cared to talk about my Marcus account. I know Goldman Sachs has been having some issues with some customer accounts in the consumer banking operations but this issue has to be fixed. GS is a great bank and of the best in the world but this type of issues will give the bank a bad reputation. I assume customers are noticing issues with this department and started withdrawing the funds and now GS has stopped customers from accessing the funds. I need to be able to access my account but keep getting the same error to try later. I have tried for weeks but my account has been frozen. Please fix the issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX XXXX XXXX, has been repeatedly trying to contact me about a debt that I have. Now, i did explain that i was undergoing financial hardship and that i WILL contact them when i get financially stabile, to pay my debt. Now. Instead of calling me, they are calling my fiancees number, which i never provided to them, to try and get ahold of me. I feel its a violation of consumer rights.

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 2024-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) o
f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 2024-02-03 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: FL

Complaint narrative:
As A Federally Protected Consumer, I'm Exercising My Consumer Rights to have Resolved Inaccuracies and Unfair Activities in concern with my Credit Reports. I Am Requesting to OPT OUT of ANY and ALL authorizations I the Consumer may have given you written, non-written, verbal and non verbal per 15 USC 6802. I'm Rescinding that Authorization per 15 USC 6802. According to 12 CFR 1016.7, states that a consumer may Exercise the Right to OPT OUT at any time. According to the Fair Credit Reporting Act, 15 U.S. Code 1681- Congressional findings and the statement of purpose. Accuracy and Fairness of Credit Reporting the Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is effective immediately and indefinitely. I have attached to the report a copy and circled the Inaccurate Findings on My Credit Report with XXXX, EQUIFAX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : 1. A copy of the original Bill of Sale or Assignment document legally transferring this specific account and amount from the original creditor to your collections company.

2. Proof that you are licensed to collect debts in Texas. 

3. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. 

This is my only attempt to resolve this matter before litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX and my email on the venmo account is XXXX and I got an {$80.00} payment from XXXX XXXX but Venmo wont let me add my bank or card to withdraw payment. They holding my money for no reason and it is very inconvenient and I want to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have never received a notice to dispute the debt in question, and despite reaching out to the concerned party four times, I have yet to receive satisfactory validation that the debt is indeed mine. I possess certified mail receipts as evidence of my attempts to communicate with them. Regrettably, each time I sought information or validation, my requests were either ignored or met with insufficient responses. Despite my efforts to rectify the situation, they have persistently refused to remove the disputed debt from my credit report. This lack of cooperation is not only frustrating but also raises concerns about the accuracy and legitimacy of the reported debt. I am determined to resolve this matter and seek the removal of the disputed entry from my credit report, as it is impacting my financial standing unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio recovery associates, has been repeatedly trying to contact me about a debt that I have. Now, i did explain that i was undergoing financial hardship and that i WILL contact them when i get financially stabile, to pay my debt. Now. Instead of calling me, they are calling my fiancees number, which i never provided to them, to try and get ahold of me. I feel its a violation of consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX/sage stream ) I do not have an agreement with XXXX XXXX nor sagestream to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: 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 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Regarding Experian report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received 2 emails and a text from CHIME saying welcome to your new chime account .... 
I hadn't opened this account and immediately phone the company 's " lost and stolen '' area. 

The guy said yes, an account was opened using my EMAIL ADDRESS AND PHONE NUMBER but refused to close it b/c there was a different NAME on the account. 

Although I repeatedly asked him to close it he said he could only do that if I provided my DOB .... and of course after I provided that he said he still couldn't close it b/c the name didn't match. 

I was of course placed on a hold several times while he " checked to find the account '' even though he ALREADY HAD LOOKED UP THE ACCOUNT... 

AFTER 45 MINUTES GOING IN CIRCLES ON THE PHONE WITH THIS GUY he FINALLY agreed he could close the account. I insisted he send me an email stating that and stayed on the phone until I received it. 

FREAKING SHADY COMPANY -- - I SEE THIS HAS HAPPENED TO MANY OTHER PEOPLE. SHUT THIS COMPANY DOWN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from XXXX XXXX, XXXX, EXPERIAN is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with Transworld Systems , Inc . Neither XXXX nor Transworld Systems , Inc. did not provide me with the original contract as I requested. 
On XX/XX/2019, I opened up a XXXX  service account for my son. He had service for about 20 days. The first bill was extremely high. I contacted XXXX to inquire about the excessive bill and I discovered that the XXXX employee set me up with XXXX lines tied to this single account. They referred me back to the store to get the matter rectified. Unfortunately, the XXXX employee who opened up the account had quit and the managing staff could not help me to get the account fixed. They removed the charges for the additional XXXX lines and I paid for the single service fee. After 30 days, I get another bill from XXXX XXXX again with excessive charges. When I contact them to complain, they told me it was the activation charges for XXXX service lines. At this, I took the equipment back to the store and had the account closed. I never activated XXXX lines - I don't even have XXXX people in my family. XXXX  claims that I violated the terms of our contract- yet they are unable to provide any contract that we signed for XXXX lines ( which we never did ) and they are trying to stick me with paying a fraudulent bill that their dishonest employee created so he could land a good payday before he skirted out on them. That employee loaded my activation as if I opened up XXXX lines on a single account and XXXX  refuses to accept their culpability. Again, I am not liable for this debt with XXXX  ; I do not have a contract with Transworld Systems , Inc . Neither XXXX nor Transworld Systems XXXX XXXX did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Two days ago my venmo account was locked after receiving half of a rent payment from a new roommate. They requested government ID and I sent it immediately. They refuse to actually expedite or explain anything through support. My rent is now late due to the fact that they haven't done anything to remedy this issue they created.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
PenFed notified me they do not have to lower interest rates and pay back interest over required by LA SCRA since they are not in Louisiana and loan was not applied for and transaction was not done in LA. 

I am in the XXXX and when I moved to Louisiana with orders requiring me to move here they are the only bank that did not abide by the 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 monetary relief
Consumer complaint received 2024-02-03 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: OH

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: OH

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 inaccur
ate.

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