vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX   -Spoke, name not remembered, but agent is tied to their internal Case # XXXX. 
-Agent was dismissive when asked to assist. 
-Agent advised that I had missed my employer deadline and knew what it was, so this is the consequence. 
-I asked agent to walk me through the form, agent did not, only said to fill in the fields and send it to them. 
-Asked what to put in Custodian information, he said Wife 's information. 

On the form, Under XXXX  custodian address, it states, " Permanent Address. '' No definition of what " custodian '' means. 

XX/XX/XXXXXXXX  -Received an e-mail that my request couldn't be completed due to missing or wrong information. 

-The custodian address was entered as a beneficiary address. The form required the institutions permanent address. Based on the information provided on XX/XX/XXXX, and the unclear form fields, I had not filled it out correctly. 

-Agent did not define trustee vs. custodian vs. beneficiary, nor did the form. 

XX/XX/XXXX -Spoke with XXXX who advised I was provided with improper information and that had I spoken to her initially, my request would be processed appropriately. I needed to resubmit the form to have my saving account transferred. 

-Transferred to XXXX , supervisor. Case # XXXX- stated that because the new account was in my wife 's name, I could not transfer my money into that new savings account. My only options would be to keep or close the account ( with manual contribution ), and to speak to a tax advisor for specific requirements and penalties of moving the money should I choose to ... XXXX had also provided incorrect information. 


SUMMARY : XX/XX/XXXXXXXX  - The agent was negligent in their duties to ensure that conducting business with me was easily understood. This led to the incorrect form being submitted with the improper information. The agent was discriminatory in implying that I wasn't aware of deadlines, etc., I suspected whether he treats all clients like this in a similar situation, or just because my last name was XXXX. 

XX/XX/XXXX - Agent provided clearer instructions, treated me fairly, but still advised of improper action. 

DAMAGE : Potential for financial impact, ability to pay medical expenses, new account admin fees, and new tax implications that could reduce available funds in the Savings account. This experience has felt unfair, abusive, and discriminatory in nature. In the very least, Optum Financials ' agents are not properly trained. A financial institution should not operate in this way, especially one that handling Savings Accounts for medical expenses and Investments. I hope that this aids in holding Optum Financial accountable and prevents experiences like this with other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. 

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. 

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within 30 days, as required by the GLBA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: 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 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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company:  Lippman Recupero, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, an XXXX XXXX with ID XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX by way of approved actions by himself and/or his employees, contacted me using US mail XXXX The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and prima facia evidence of conspiring to violate the Gramm-Leach Bliley Act. This type of action of creating false belief in me that I am indebted to LIPPMAN RECUPERO , LLC is also addressed in Presidential Executive Order XXXX XXXX XXXX. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can include, BUT DOES NOT REQUIRE, movement. XXXX  profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/2023 my wife spoke with XXXX, which he confirmed that LR, LLC has my Full SSN & DOB.

He asked if my wife wanted to make payment arrangements, she told him no. She asked him to place a Cease & Desist on my account, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the Gramm-Leach Bliley Act. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is charging extra fees to utilize the phone for payment because they are having website issues! I have tried for 4 days to get into my account to pay my auto loan and finally paid my loan through the phone, which had additional fees associated with it. The part on the other end made this payment extremely hard for them as they are from a third-world country, which further complicated the process.

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 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I filed a loss mitigation application on XX/XX/2023. On XX/XX/XXXX after calling a few times I found I was approved for the mitigation I applied for, but I asked at that time if there was to be anything I needed to sign or send back which I was told a document would be shipped out by certified mail. All of XXXX went by before I called again getting a manager to ensure they would send communication as I had not heard anything other than mail wanting money even though I was in process/approved for mitigation. I received the paperwork via certified mail and paid the fee associated with it. I have not seen on any of the paperwork how much money I am to owe/expected to pay and when the dates are to start again. I called the mitigation department again and was placed into a callback later list still trying to piece together what they have or haven't sent me. I need to know more than what they have sent me in the mail. Which I have attached all documents I have gotten in the mail to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am reporting this ACCOUNT # XXXX as paid off in good standing. its still reporting as negative. I would like to have this updated to good standings or to be removed. thank you

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding an unresolved dispute and the inaccurate listings of multiple accounts on my credit report. On XX/XX/2023, I submitted a dispute letter to Bank of America regarding the accounts listed under the account numbers XXXX, XXXX, and XXXX. As of today, I have not received any response or acknowledgment from Bank of America in regard to these disputes. 

This lack of response and failure to address my concerns is in direct violation of fair credit reporting practices. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and fair investigation into disputes regarding inaccurate or incomplete information on 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 explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I am in the Public Service Loan Forgiveness ( PSLF ) program, and according to them, I still have five years or more of repayments under the program. However, I have worked in the nonprofit/public sector for 10 years. I don't believe the payments they credit for PSLF are accurate. I should be much closer to forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter within the legally mandated timeframe of 30 days, as stipulated by the Fair Credit Reporting Act ( FCRA ). I sent a dispute letter to Equifax via mail on XX/XX/2023, challenging several inaccuracies present on my credit report. The disputed items include incorrect personal information, along with account listings for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite the passage of time since the submission of my dispute, I have not received any response or resolution from Equifax. This lack of action from Equifax is a direct violation of the FCRA 's stipulation that credit reporting agencies must respond to consumer disputes within 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
In 2000 I had a satellite dish installed. It was placed incorrectly and never worked properly. The company XXXX XXXX was sold. I tried to speak with a person who could fix the satellite dish but nobody cared. 
IC systems tried to collect the debt two years ago. I explained the problem and they stopped collection attempts. 
Suddenly in XXXX they started again. 
My account number with IC systems is XXXX. 
Please help.

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 2024-01-02 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX XXXX Date of Inquiry XX/XX/2022.

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 2024-01-02 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX BANK WRONG SSN SHOWN ON MY REPORT - REMOVE IMMEDIATELY XXXX XXXXXXXX XXXX - INCORRECT ACCOUNT DETAILS-REMOVE IMMEDIATELY

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 2024-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
I received a letter from rent recovery stating I owe {$9000.00} from a previous landlord. I sent a letter within the 30 day period stating that I wanted any and all paperwork photos etc. that they had validating that this debt was mine. I do not owe this debt, this is a false debt. I also sent them a copy of a court document stating that the case was dismissed. I never heard anything back from rent recovery solutions and they added the debt to my credit report. I sent them documentation as a photo of the envelope with the date stamp on it will show. I contacted the credit report agencies also and XXXX XXXX took the debt off. However, XXXX  did not take the debt off. I also sent the credit bureaus, the, legally stamped court order, stating that I owed nothing and this case was dismissed. XXXX did not take this that they sent me a letter stating that they would not remove this debt even though I sent them a legal document from Wisconsin circuit court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc.
State: KY

Complaint narrative:
I'm extremely frustrated with Sterling background check services. I've submitted my details as a result of offer employment on XX/XX/XXXX. I've received a deficiency request on XX/XX/XXXX and I provided them the details on the same day. My date of joining was early XXXX. 

Currently, the criminal check is pending from one county in Kansas. The anticipated date of completion of the check was XX/XX/XXXX. However, the completion date ( with escalations ) was pushed back to XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and now I have no idea when it is expected to complete. I'm sure a background check should not take 45 days. 

I have to call them to find out the dates and all the support representatives say is to wait until the targeted date. When I call them on the said date, they say it is postponed to a future date. All the representatives suggest is for me to ask the company that offered me a job, to let me work without Sterling doing their job of finishing my report. 

The financial loss and XXXX that Sterling is causing me is immense. All I ask from them is finish my background check at the earliest.

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