vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I recently received a call from the Credit Bureau of America ( CBA ) claiming I owe {$450.00} from a citation I thought I had already paid. ( I had paid for animal licenses but as I had paid the licenses a little tardy I had incurred a late fee for which I was unaware ). 

The license was originally {$15.00}, the late fee and admin fee an additional {$30.00} that was not apparent on the XXXX XXXX XXXX XXXX website when I paid for the license ( the website is very difficult to sign in to to locate your account if you do not have the ID they allocate to you ). I had called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay the license fee initially but as it was during the covid lockdowns and the XXXX  was not fully staffed I did not receive a call back. The voicemail also said they were waiving license fees at that time. 

Months go by and I am receiving what I thought were spam calls from the CBA as I do not believe I am owing any money. In all this time I also do not receive any written communication notifying me that there is mounting interest on my account. I do receive a letter telling me I can pay {$100.00} for a licensing amnesty, but as all my pets are licensed I believe this is in error. 

Finally on XXXX XXXX XXXX XXXX, I pick up a call and speak to someone who says they are from the CBA and I owe money to the XXXX XXXX XXXX XXXX for citations. I'm shocked and contact the City to verify this and appeal for a dismissal. This is denied. 

I am stunned at the underhand money gouging tactics of the CBA and the XXXXXXXX XXXX XXXXXXXX XXXX. I do not believe they attempted to provide me with adequate context or information before levying this substantial fine. If I had believed I owed them money it would not have taken me 4 years to take action!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

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 2024-02-16 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX Wells Fargo called to let me know that they had detected fraud on my account and they listed a transaction and asked for me to confirm if I had authorized it. I told them I did not recognize the transaction so they stopped payment on subsequent transactions from that merchant but before their fraud system could detect fraud there were three transactions from that same merchant that went through. I filed a claim with Wells Fargo which they recently denied saying that the merchant has confirmed that those transactions were made from my IP address.

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 2024-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Genesis Credit Management Representing ( XXXX XXXX XXXXXXXX XXXX, original creditor ). 
Open Date - XX/XX/XXXX. 
Collection Amount {$8700.00} This is Fraudulent Charge/Account. 
I Have Never Lived At This Property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I placed an international wire transfer to my wife from my citibank account to XXXX for {$19000.00} on XX/XX/XXXX bancolombia on the XXXX stated they were returning the funds. I have placed an investigation with citibank and spoken directly to XXXX XXXX citibank states the funds are with XXXX. XXXX states the funds are with citibank. I have called several times requesting documentation and certification of the transfer be sent to me from citibank and they have not complied each time I am told there back office is busy. as of today the funds have still not been transfered back to my account. I suspect fraud somewhere and banking instututions should not be allowed to just take funds and not give any explanation

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the unverified and fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have purchased {$10000.00} worth the stuff from XXXXXXXX XXXX XXXXXXXX with their scheme of NO interest for 18 months. I paid {$9300.00} within 18 months and {$1000.00} was left over which I paid in next 2 months and cleared my account. 

Now I got a statement from COMENITY - XXXX XXXX XXXX that I owe an interest of {$3300.00} for not paying that {$1000.00} in 18 month at the rate of 29.99 %. XXXX XXXX XXXX associates never mentioned that if you don't pay within 18 months, you have to 29.99 % interest from the date of purchase on the full amount. When I spoke to customer service, they said it is written in terms and conditions. Is it possible for anyone to go through each terms and conditions written with small letters and about XXXX pages long?? 

I am now forced to pay this amount and feel like I am cheated by XXXX XXXX XXXXXXXX. I want them to cancel this unfair interest charges as they have never explained that after 18 months I will be robbed and charged interest from day one and on full amount. 

My account details are as under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX credit card account : XXXX Customer service : XXXX My Phone : ( XXXX ) XXXX Please guide me whether I should pay the interest or wait for your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: 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.

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 2024-02-16 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: MA

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

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 2024-02-16 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: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-02-16 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: MI

Complaint narrative:
Twice I have disputed an account with XXXX that is showing on my credit report with a $ XXXX past due balance. I have not opened this account nor have I ordered from this site. They will not remove this 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 2024-02-16 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2024, I opened a High Yield Savings Account with BMO Alto. The account was funded with slightly over {$14000.00} on XX/XX/XXXX from my personal savings account. After funding the account, I linked my checking account to the new BMO Alto account as the Savings account was closed due to all of the funds being disbursed to the new bank. After attempting to transfer a small amount of funds to my checking account in order to make the down payment on a vehicle, BMO Harris locked my account and instructed me that they will be closing my account due to fraudulent activity. After speaking with an individual on the phone, the closure was due to " Multiple accounts being linked and excessive transactions ''. There has been one transaction outside of the funding of this account. After contacting BMO Alto for four consecutive days, they are unwilling to provide me with information on how the funds will be reversed to the originating back and will not provide me with any information or a timeline as to how to proceed. At this point, BMO Alto is holding my funds with no information or procedural instructions on how to proceed.

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: NY

Complaint narrative:
On XX/XX/2024 at XXXX, I received a phone call from a XXXX XXXX XXXX XXXX stating 'I am contacting you in an attempt to confirm location information on a XXXX XXXX XXXX If you could be of any assistance, please contact my office at XXXX '. The woman never stated from what company she was calling about or what it was in reference to. 

Later that same day, I returned the call and left her a voice message stating, XXXX received a call from this number and that the voice message she left me was suspicious and there was no one by that name, at this number '. 

On XX/XX/2024 at XXXX, I received a XXXX phone call from XXXX XXXX XXXX XXXX stating XXXX morning XXXX, its XXXX XXXX XXXX XXXX XXXX Alliant Capital Management , and I will be in the office today until XXXX. Please contact me as soon as possible at XXXX. I legally can't leave any information on your voicemail which is why Im not. So please call me so I can't let you know what's going on '. 

On XX/XX/2024 at XXXX, I received a XXXX phone call from a XXXX XXXX XXXX stating 'Good afternoon, this is XXXX XXXX and I'm contacting in an attempt to confirm location information for XXXX XXXX XXXX If you could be of any assistance, of if I have the wrong number, please call me back at XXXX '. Again, this woman never stated from what company she was calling about or what it was in reference to Here there are SEVERAL VIOLATIONS of the FDCPA : in the first voice message, the woman XXXX never identified the name of the company as she later did in her XXXX voicemail. In addition, she NEVER stated that the purpose of the call was for the purpose of collecting a debt, which is required by any debt collection agency or company when contacting a consumer for that purpose. And the only reason I found out it was the purpose of a debt, is because I googled the number and name of the company and it states, 'Debt Collection ' on their website. The second violation is in the 2nd voicemail when she states that she legally cant leave any information on my voicemail which is why she didn't. 

Clearly, these are tactics that Alliant Capital Management are using and have been using for years, by leaving a vague message as to induce worry or fear in the consumer, in order to get them to call back. It doesn't work. 

Additionally, I received a few calls from XXXX ladies, who happen to have the same last name as me, indicating that they received voice messages as well, by a lady asking for location information on me. However, there are extensive other listings of other people with my same name. 

Furthermore, this company already has over XXXX complaints on the XXXX  for violations, plus they are not even accredited by the BBB. They need to be sanctioned and sued for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: SD

Complaint narrative:
My Loan Care for XXXX XXXX. Loancare.com Keeping a check of mine for XXXX and some dollars, an escrow refund. 

Was deposited and then returned by my bank. 

Tried to re-desposit at my bank. A few times, multiple people there said its " on their end. Couldnt really get any good answer. Went to XXXX XXXX who is XXXX 's issuer but " not really their bank '' per XXXX XXXX, to try and cash it. That didnt work either. XXXX said we are a larger bank and they use us instead of their own bank or something. Spent about XXXX minutes at XXXX XXXX XXXX XXXX branch for them to say " try it again ''. 

I explained all this to the lady on the phone at the mortgage servicing company about XXXX weeks ago. She said they would issue me a new check. Of course, they didn't and today when I called them is when they said that I endorse the check and it's showing that I cashed it. Nor did they call me, email or anything. They did nothing except keep my XXXX and some dollars with no more communication. 

This company really needs to be penalized for this kind of thing. Ive spent so much time on this. On hold, in calling trees, in my bank, in XXXX XXXX, their bank.. 


On XX/XX/2024, at XXXX, XXXX XXXX XXXX XXXX : The yellow copy my banker mentions below can not be deposited, I've tried a few times. And today again, they've said " it was deposited and you endorsed the back ''. 

It was definitely not deposited. 
_____ XXXX, Email from banker at XXXX XXXX Bank today : I reached out to our deposit operations team, and they advised refer to maker could be for a number of reasons. They did mention if an account is negative at the time a check is deposited, that check could be returned refer to maker for having insufficient funds. I know that does not help much, but unfortunately, they do not give much detail. 

This check was deposited into your account XX/XX/2024 and retuned XX/XX/2024. The yellow copy you received is a legal copy of the check and you can deposit it back into your account. 

Please let me know if you have any questions or anything else I can help with. 


XXXX XXXX XXXX XXXX XXXX REPRESENTATIVE XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX firstinterstate.com

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 2024-02-16 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: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the unverified and fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-16 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:
On XX/XX/year>, my employer, XXXX  XXXX XXXX, transferred {$40000.00} to reimburse me for expenses. The transfer was reflected in my account on the same day. Initially, I was able to use the funds, but upon requesting a higher limit for my debit card to make a significant purchase, my branch manager informed me that they couldn't raise my limit. Shortly after, my account was frozen and placed under suspension. 

I reached out to the bank 's customer service hotline and my branch, but no one provided me with a reason for the account suspension. Despite multiple requests to speak with a manager or the department responsible for the suspension, I was redirected back to the branch without resolution. 

As of XX/XX/year>, my branch manager has not addressed the issue or provided any guidance on next steps, information regarding the wire transfer, or an estimated timeframe for the account to be unfrozen. I have not received any communication explaining why my checking account remains suspended, leaving me unable to access my funds.

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