vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX I mobile deposited a total of 5 money orders at {$1000.00} each. This was my initial deposit after opening this account a little prior to this. That same day it showed {$5000.00} in my account. The next day I couldnt access the account anymore. Not online not on the app and not at the atm. I called BMO bank and they said they could not help me and to call back on Monday. So that is what I did! I was told that it went to the fraud department and spoke with a man named XXXX. He asked why I deposited so much I said it wasnt that much considering I should be able to deposit as much as I want. They have no regulations on how much I can add. Then asked me to verify the amounts ( which I did ) and said ok he would get it handled. That was three weeks ago and counting. I have spoke to the fraud department several times. Each time after waiting on hold over a hour I get told 14 days then 14 business days. We have been well past that and now Im being to wait longer because they may have to have someone else look at this. Keep in mind that they money orders actually cashed on XX/XX/XXXX. So where is the money? They cashed them but didnt put it in my account..????? STAY AWAY FROM BMO HARRIS BANK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio recovery brought a debt out from capital one that I have not known about. When I contacted them they didnt have this in the system but they had one from a XXXX XXXX XXXX XXXX XXXXXXXX dollars from back in XXXX  I have knowledge of any of these debts and according to FCRA SEC623 enforce FACTA 312 if your unable to perform a reasonable investigation then the company is required by law and FCRA to remove the negative info. This has been on my credit report longer than 120 days and I need this removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: IL

Complaint narrative:
This is my formal complaint to KIKOFF LENDING LLC for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT. I'M REPORTING THIS TO THE ATTORNEY GENERAL AND MY ATTORNEY AS THIS IS MY 4TH REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The company will not allow web site access to check balance and transactions until new e-disclosure agreement is accepted.

The company also writes " You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. '' '' In part of agreement the company indicates it may charge for paper copies of tax forms.

To disagree with that or other portions of the agreement the customer must reject the entire agreement and be unable to access balance and transactions electronically.

Denying consumers electronic access in these ways is unacceptable in light of rampant data theft that affects all consumers, who must be able to easily review accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a {$30000.00} cashiers check online XX/XX/XXXX with Bank of America, which we have done numerous times. Money was shown in my account and I wrote checks against it. Then BofA on XX/XX/XXXX put a hold on the funds until XX/XX/XXXX at XXXX. BofA is arbitraging the funds deposited from a local credit union which is borderline criminal. We are BofA preferred customers and have never had a check put on hold. I went to the main BofA office in XXXX XXXXXXXX and was told to contact customer service and that would resolve the issue, it didn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received notification from Wells Fargo about my online checking account. I NEVER OPENED ANY ACCOUNTS WITH THIS COMPANY IN MY LIFE!! I called this bank and sent several emails that this was a fraudulent account and they refused to close it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berman & Rabin, P.A.
State: AL

Complaint narrative:
We are filing a complaint against XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX, and its management as we believe they are profiling us, discriminating against us, falsely accusing us of damaging the apartment, and attempting to extort money from us by billing us for paint and professional cleaning fees and then sending us to collection to top it all. They are trying to extort {$850.00} from us after we moved. 

I just learned they sent us to a collection/attorney office Berman and Rabin : Address : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX KS XXXX XXXX : ( XXXX ) XXXX I sent several emails to them asking them to show me proof of the damage they were claiming and they never would. I asked them if they ever walked the apartment with us to identify with us what damages they were charging us for. They sent me pictures of the apartment before we moved in. In other words, they expect us to pay them rent for 2 years and pay them to get the apartment ready for a new renter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX refuses to remove my MIP insurance without me paying XXXX dollars. I have made significant modifications to my property, and I should not have to pay them to have a 3rd party come to my home to verify those changes. If thats how they want to conduct business, then thats on them, not me!!!! 

Furthermore, the company has mismanaged my Escrow account so bad, they are trying to raise my home payment from XXXX to XXXX. So almost an increase of XXXX a month. This is a scam!!!! I can not and will not pay them an extra XXXX dollars a month. We agreed to the payment I have now, and it will NOT go up. I will not be priced out of my home. I will sue everyone involved if the government thinks this is going to keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. My personal information has been used to get loans in my name. The credit reporting agencies are not doing the work properly to remove these accounts. They are fraudulent. I am filing disputes and they are not attaching the correct paperwork I am sending and sending me copies of the verification process per the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XX/XX/XXXX amount {$2100.00} dispute filed ), XXXX XXXX XXXX ( XX/XX/XXXX amount {$26000.00} dispute filed ), XXXX XXXX ( XX/XX/XXXX amount {$120.00} dispute filed ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I opened dispute claim # XXXX # XXXX and # XXXX with Moneylion. I supplied written confirmation of the dispute via email on the same day with documentation from the merchant ( email screenshot ) to prove the transactions were canceled ahead of time and my card was not supposed to be charged. Moneylion is required under Regulation E to provide a temporary credit of the full amount within 10 business days of opening the dispute. I need these funds credited as soon as possible, as this has caused significant financial strain for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX account is missing/ not being reported on my Credit Report from, XXXX XXXX XXXX XXXX XXXX XXXX is missing/ not being reported on my Credit Report from, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is missing/ not being reported on my Credit Report from, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
I showed up to carhop In XXXX WA, they could see I was desperate for a car after they pulled a beaten switch on me with a couple different vehicles? They finally got to the one and only vehicle they would offer me which was a XXXX XXXX XXXX with obvious rust damage throughout the whole car massive amounts of dog hair all throughout the seats, filthy dirty, never was detailed not even cleaned., we all have a choice however I was in a XXXX XXXX need for a vehicle. They told me I couldnt get a nicer vehicle that actually cost the same or less as this one they charged me over {$13000.00} with terrible interest rate out the door for this Lemmon, that had mechanical problems from day one I called him, informed them as they tell me to do they give me a number and name to a mechanic that use for customers problems only for me to call never to be able to get through to somebody, and when I finally was able to, they were not only days or weeks out of an appointment they were months out! Mechanical problems became worse with this car. The rust was getting bad. There was black mold throughout the car and to make matters worse when I was doing the financing I said, what about insurance? They told me. We do not care if you get insurance one way or another so I naturally put that off, however? I did say. I 100 percent t need GAP insurance! That they refused and they said they dont do that I have to pay for that elsewhere? Since then the car was stolen and I got a phone call from the towing company where I went to retrieve my belongings out of the car that were still left that were not stolen for me and the car was completely wrecked and its still in the XXXXXXXX XXXX XXXX in XXXX Washington wrecking up Payments owed the car was stolen from me. I called the XXXX police gave them a report. Nothing came of it and said Im not gon na pay for this car. They keep calling me to make payments on the first three months I was late on my payments, but made the payments after that I made 3 to 4 more payments on time every time as soon as it was due now Im going on two months late I think 37 days to be exact? I need out of this lemon they charged me over {$13000.00} for this car thats not even worth {$1500.00}. I need to get a new vehicle but I cant do anything with this on my credit. They want to help me pay it lower amount to charge it off paid off? But Im not gon na do that they have gotten more than what its worth through my payments. Theyre not getting another dime for this car no matter what. They used bait and switch tactics they used a price change tactic where they had a sticker price and then they told me the real price? The sticker price was {$2500.00} and then they told me it was a mistake it was really {$13000.00} give me a break? Total scam artist beware please help me out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

has violated my rights. Or 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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I hired a Company to take care of my debt they advised me to close my account with discover in order to qualify the. They started over charging me both for my debt and there services so I cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 
Resolution ( Delete listed accounts )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not getting copies of the verification report per the FCRA. This is another violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not getting copies of the verification report per the FCRA. This is another violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I notice over the pass couple months inquiries n unknown addressses listed on credit that I dnt know if I made several complaints to the agency I submitted letters n I called n nothing as being done in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I notice over the pass couple months inquiries n unknown addressses listed on credit that I dnt know if I made several complaints to the agency I submitted letters n I called n nothing as being done in my favor

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