vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO has discriminated me. Ive been experiencing nothing but issues from BMO. I processed a XXXX  transfer on XXXX and received a confirmation that stated my money would be sent in minutes. Upon checking my money stayed in pending status. I called spoke to a BMO rep regarding it. I said the system had an issues and that transfer would go out on XXXX. Upon checking my account on the morning of XXXX I noticed the transaction was still pending. So I called BMO again to find out why my transaction didn't go through. The put me on hold and transferred me to the fraud department. The rep by the name of XXXX took the call. He told me the reason my XXXX didn't go through was because of a {$5000.00} deposit that was flagged from the XXXX. I explained to XXXX that the deposit was a cashiers check and the payment had cleared on XXXX. He told me he didn't care and my account was on review and hung up in my face. I called back several times asking for a manager and was told no and hung up on several times. I was told my accounts are frozen and that I have no access to my money. I explained that my money is for my bills and I have to travel tomorrow. BMO basically said they don't care and I have to wait. I asked for manager or a department to help me and it fail on deaf ears.

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 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: FL

Complaint narrative:
SquareXXXX has permanently deactivated my account and is with holding funds for 90 days without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> I was scammed for {$19000.00}. I reached out to cashapp on the phone only to find later that this indeed was not cashapp. I was trying to access the XXXX I had on the app but could not because my phone somehow got a virus. While on the phone, I was instructed to download XXXX apps that would clear up the virus and help me move my money into my bank account. Once completed, I was asked to verify a series of codes. With each verification, the issue was still not being resolved. Unknown to me each code that was being sent was actually an amount being withdrawn from my bank. Although my screen was showing the downloaded app, the perpetrators somehow had remotely accessed my device and change the display on my phone to appear as if it was receiving and recognizing codes. Nevertheless, many of the transactions were declined by my bank only to be approved after numerous of attempts without my knowledge or consent. The scammers syphoned my money through my cashapp and from cashapp to someone elses bitcoin account through cashapp. Cashapp is a financial institution and based on the GLBA is responsible for assessing risk and ensure data is not compromised not to exclude high risk technology like the one used to access my data. I never shared any information other than my name and phone number. From then on, I was asked for a series of codes. Cashapp allowed money in large amounts to be moved from my account despite its sending inactivity for days and despite its abnormal amount. Cashapp also does have a number listed online but does not detail that this is their only one true number and many consumers probably have been duped by this other number. Cashapp has been slow in responding and has exceeded the legal amount of time based on Regulation E to give me a provisional credit. I have explained to them that I did not have access to my cashapp and shared with the numbers I called so they can do their own investigation. I have made an IC3 report with the FBI as well. I need my money. Obtaining a lawyer would be costly for both me and the company and Im hoping to resolve the issue soon without any major intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: NM

Complaint narrative:
I have repeatedly told this company that XXXX XXXX does not have this phone number. I have been told my number has been removed but have not. People calling are very rude when told this.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I had been a loyal member of USAA for several years, relying on their services for both my checking and credit card accounts. Last XXXX, I sold my house and deposited the proceeds into my USAA checking account. I then used some of this money for investments, including transfers to legally operating cryptocurrency firms within the US such as XXXX, XXXX, and XXXX. All transactions were conducted with US-based banking institutions, and at no point did any money leave the US banking system. 

On XX/XX/year>, I was shocked to receive a notification that both my checking and credit card accounts were to be closed. I was not provided with any specific reasons for this action, and this has caused considerable stress, especially with the credit cards, as I relied on my USAA cards for most all my purchases and closing them had a significant negative impact on my credit score. 

In trying to understand why this might have happened, I considered a couple of possibilities. One is the house proceeds transfers and subsequent investments. Another possibility is that I had previously placed a security freeze on my XXXX report, which I have since removed. I don't know if a report may have been ran that showed it frozen and it led to a negative account action, but it is unfrozen now if USAA would like to check.

I understand that banks have obligations to monitor and act on transactions they deem risky, but all my activities have been legitimate and transparent. As I said, the closure of my credit card accounts has significantly impacted my credit score and my ability to make necessary purchases.

I respectfully request an explanation for the closure of my accounts and an opportunity to address any concerns USAA may have. I hope to have my accounts reinstated or be allowed to reopen them without fear of immediate closure so I can continue to rely on the trusted services USAA has provided over the years. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: OR

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX, and Monterey Financial due to their mishandling of my timeshare contract cancellation. Despite my numerous attempts to resolve this directly with XXXX, they have refused to offer any assistance since I stopped paying them, constantly sending me to collections instead. 
My communications with Monterey Financial have also been completely unproductive. After sending formal letters disputing their collection efforts and making it clear that I will only deal with the companies involved in the original agreement, Monterey Financial has not even had the decency to respond. This has left me confused and in limbo, not knowing who is managing my account. I finally spoke with a representative at the collections agency about a month ago, and they told me there was absolutely nothing they could do to assist with this matter and they did not agree to give me cancellation options or return my account to the timeshare company. 
This treatment is not only unprofessional but also harmful. For over a year, I've made extensive efforts to resolve this reasonably, and instead of working with me, the companies involved have sought financial damages and tried to harm my credit. My request to escalate this matter to someone in management has also been ignored, adding to my frustration and distress. 
I'm respectfully asking for your assistance in resolving this ongoing ordeal. The continuous neglect and refusal to provide a solution are unacceptable, and I believe that filing this complaint with the CFPB is a necessary step to ensure fair treatment and resolution. 
Thank you for your attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX General Delivery XXXX XXXX XXXX XXXX CA XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXClaim number XXXX claim amount {$100.00} Dispute transactions : XXXX transactions to XXXX and XXXX XXXX service that posted in error and should not be charged to my card. 
Complaint : the negative balance of my account is- {$100.00} and is a financial injury from the claim research worker decision to deny my claim for the missing information that is the fault of the claims workers initial notation describing the transactions being disputed might be missing or not done by the claims worker. The claims was denied for not looking for a statement that described the transactions as an unauthorized debit transaction it should not have been denied. The temporary credit should not have been reversed charging my account for the temporary credit. 
I want the resolved claim to be done to return the funds that will repay the temporary credit. Please resolve the claim in my favor right away with the payment payment of {$100.00}.

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 monetary relief
Consumer complaint received 2024-07-18 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: MN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXXXXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
UNVERIFIED ACCOUNT. Per XXXX enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. 

Transunion : XXXX  XX/XX/year> XXXX XX/XX/year>

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 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Text message regarding contacting Radius Global Solutions LLC., at XXXX about rights regarding a recent letter / make payment. I have not received any letter and do not expect to receive one. I am well aware of the very little debt that I currently have. I am in good standing. There is No reason for Radius Global Solutions LLC., to contact me via text message to my phone or any other communication method regarding any matter.

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 2024-07-18 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: Capital Accounts, LLC
State: CA

Complaint narrative:
I have been contacting the companies and credit bureaus for two months. filed verbal and written disputes and still no results. the XXXX  rep advised me to take this approach

Company response to consumer: Untimely response
Consumer complaint received 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am still disappointed with my credit report because it shows multiple inquiries that were placed on my credit report. Please check the documents I've sent regarding this matter.

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 2024-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX an additional payment of {$1300.00} that I had scheduled to pay against the Direct Graduate PLUS loan was debited from my bank account. When I spoke to the Mohela rep on XXXX they advised this payment was fine to leave in their legacy system. Upon access to the new Mohela platform today, I discovered this payment had not been applied and I also see this on StudentAid.Gov. I called Mohela and was advised it would take up to 90 business days to apply this payment. I intended to payoff this loan next month in XXXX inclusive of this payment. Additionally, I will incur extra interest rate expenses as the balance has not been reduced. This is completely unacceptable. I need immediate action to have either my funds returned to me or to apply these funds against my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I am writing to make you aware of the issues we are having with Selene Finance. We have been in the home since XXXX I am a veteran of the XXXX XXXX of XXXX  years. I have never missed a payment of the XXXX of being this my home. 
During our time in this home, our mortgage has been sold 5 times. As each term, we received a letter stating our mortgage was sold to another lender, and in good standing. 
We've been with Selene Finance for the last 10 years maybe, never late. 
Selene Finance has added a balloon interest to our home stating that we didn't make any payments for 36 months. Please tell me what mortgage company allows you to live free! 
I have called to speak with the loan officer repeatedly, but I never got a callback. Months passed still no feedback. Finally, after 6 months someone called demanding that we sign a modification to save our home. I never signed because I didn't owe anything. 
This issue has not been resolved as of today. I am still calling to get proof of the documents ( modification ), and a copy of the payment report. Selene 's Finance representative did share with me that she uses different computers for information, is the information legit? 
No one will refinance our home which should be paid off next year because XXXX of interest was added. We purchased our first home at XXXX. Why and how do we still owe {$83000.00}?? 
Please allow me to share, this look at your credit report! My wife was never on the mortgage or deed. Selene has added the mortgage to her credit report and she has nothing to do with this account, we have asked repeatedly to remove her name. We were told her name was on the modification. But we never signed a modification. 
Help please, if nothing is resolved we will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief