vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was a customer of BMO HARRIS BANK, and my account had a positive balance and at the time, I was a server, so there was always cash deposits being made if it was to ever reach a low balance, I would make sure any bills were paid and covered. My account was compromised in 2018 while I was at work, having had my XXXX being hacked, so I went through data and financial loss. I had no idea what the extent was, but I do know that that BMO locked me out of my account and then had some activity on it post that I was not aware of. I reached out several times and wondered how and why this could happen, if I was locked out of my device and when I logged in on my computer I saw the activity. I could not dispute it, or even reach personal that could help me and I was devastated and took a loss on my credit, my bank account and financial security. I dont know why this happened and it has been something I wish I could have had a resolution to sooner. And so here I am now, years later, knowing more about how to protect my device and financial security. But I am beyond dissatisfied and disappointed with how BMO handled this. They locked me out of my account and funds, and then did nothing but say there was activity on it that was deemed fraudulent and my account had a balance. I was not able to file a dispute a claim anything and it was the most trauamautic financial thing I had to deal with since. Because since then Ive felt like I was that criminal who actually gained access to my account and locked me out and had BMO treat me like I was the one benefiting from that and that was not the case. I hope this gets to the right team and is addressed, because if BMO failed to have my back on app security at the time, and I had Face ID and would always change my passwords if I felt my phone or app was potentially at risk from something that appeared on my phone or a random pop up showed upto say this incident truly had a negative effect on me is an understatement.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I had a credit card with this company previously three or so years ago. The account was settled around 2019. I recently contacted the company to ask why reporting was still on my credit report for activity for a settled account. I contacted the company requesting for the tradeline be removed in good faith since the account was settled. They state their policy would not allow them to remove any tradeline. I contacted the XXXX  asking to be contacted by the company regarding the situation and someone did so. Not sure the title or who they were but they called and basically said the same thing to me. Stating they report accurate information. As I informed them one of my cards was lost and it was still showing as two different accounts on my credit and they stated they could removed that account but they could not remove the settled account though it's not a remaining balance. I asked of the remarks for payments could at least be removed if they didn't want to remove the tradeline. They still stated no. So I basically paid the account in good faith for no reason. This company did not make it aware to me when settling I would not be able to remove the tradeline. This should have been stated. Also there is no reason to update the account of information when it has been closed. The lost or stolen card account shall be removed from my report if the other has still been showing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per 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 2022-02-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per 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 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc.
State: OR

Complaint narrative:
Affiliate mortgage services Inc. is my loan servicer. This is the second time in two years they have automatically withdrawn my mortgage payment twice in one week from my bank account thereby overdrawing my bank account and my savings account. This is not the first time this is happened. This is the second time they have double withdrawn my mortgage payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX a debit transaction in the amount of {$510.00} on behalf of vendor XXXX XXXX occurred. The vendor was notified on XX/XX/XXXX to cancel this transaction, and agreed. 
CitiCard has NOT returned the {$510.00}.

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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I called IC System at XXXX about my account and requested a written debt validation letter from them two different times and while on the phone both people told me they do not have to do that and they refused to send me one. I need that asap and they will not work with me. They were extremely rude and would not listen to me when I explained that this was not my debt and by law they are required to send me a written debt validation letter. Then they hung up on me.

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 2022-02-04 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened an account with Citibank on XX/XX/XXXX. My account for CITIBANK was closed on XX/XX/XXXX due to a XXXX overdraft from my savings to check and I was charged a fee. My {$2500.00} worth of funds were never released to me and it had been more than 60 days. I called them multiple times and I wasnt treated fairly.

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 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have attempted to contact this company via USPS Certified Mail on two separate occasions. Each attempt my correspondence was sent to the address listed with all three credit bureaus. The first attempt was XX/XX/XXXX which was received on XX/XX/XXXX. The second attempt was on XX/XX/XXXX which was received on XX/XX/XXXX. I was concerned to see a {$70.00} medical collection being reported by CCS as Ive never received any notification from the medical provider nor CCS. I was willing to settle the debt in full in exchange for a deletion from my credit report. Please find the enclosed letter mailed and the tracking numbers for each attempt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Unknoiwn ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
I was a victim of identity theft. My wallet was stolen. From my car XXXX years ago and someone used my identity to stay at a motel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to block this 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 2022-02-04 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 have recently started reviewing my credit reports and i have noticed incorrect items that are showing up. The innacurate information is killing my financial profile and stopping me from fulfilling my financial obligations. I am in the process of thrying to buy a home and i was told that my credit report has negative account on it that i need to resolve before i will be approved ofr a mortgage. 

There is an account listed on my credit report that does not belong to me. Also the accounts dates last active date shows XX/XX/2015. I was told by a financial attorney that i in the state of NC the statute of limitations for a written and oral contract is only 3 year. Even if this was my account by law it should not still be reportin on my credit report. 

I have reached out to this company multiple times including last month and i still have not recieved a response or an update. Please assist with this matter in a quick matter so that i can continue looking for a home for me and my family. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
A billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00} XXXX also reported the month of XX/XX/XXXX as late but according to the transaction history the payment was made XX/XX/XXXX which is before the due date. 

Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. 
For an example : Principal Interest XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} ( {$220.00} ) ( {$350.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} -- ( {$570.00} ) - XX/XX/XXXX XX/XX/XXXX ( {$1700.00} ) {$26000.00} ( {$880.00} ) ( {$860.00} ) XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$570.00} ) {$27000.00} -- ( {$570.00} ) -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, I am submitting this complaint to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft

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 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lawson Hamilton & Associates
State: MO

Complaint narrative:
LAW HAM ASC is reporting on my XXXX credit report that I owe them money and have not validated the debt Ive tried to call and my calls havent been unanswered. I have never done business with them nor do I owe them any money.

Company response to consumer: Closed with explanation