vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: OPTUM BANK, INC.
State: CO

Complaint narrative:
The custody of my HSA account transferred from XXXX to Optum Financial on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called Optum Financial to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to Optum and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to Optum. On XX/XX/2022 I called Optum and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in 3 business days. On XX/XX/2022 and XX/XX/2022 I called both Optum and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Albert Corporation
State: MI

Complaint narrative:
I have a account on the Albert app, on XX/XX/22 I tried to use my card and it was declined. When I opened up my app it said my account had been closed with the funds being transferred to my connected external XXXX account. There is {$1000.00} in that account. You cant contact Albert by phone only through text everytime I hear from them they say be patient I feel like I have been scammed by them as this should be a easy fix days for by before they say anything and its the same thing every time were looking into it be patient its now XX/XX/22.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
I can not write out my problem as this XXXX website does not allow time for me to type it. I am aone XXXX XXXXXXXX veteran!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, Transunion, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.

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 2022-08-16 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: IL

Complaint narrative:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, I have been banking with Citi Bank for the last past seven years in XXXX California. In XXXX of XXXXXXXX I started to notice fraudulent activity with my account. It was reported to my customer service immediately and was temporarily resolved.After days I found myself locked out of my account password and user name changed. I immediately reported this activity once again, I went through numerous steps to prove my identity in person to secure my account. About a week later I was locked out once again. I was once again told to walk into a branch. On XXXX XXXX I walked in my home branch in XXXX California, I was assisted by the branch manager in which she informed me that customer service advised me to close my old account and open a new account. On and around this time I was also locked out of both my emails in which I informed the bank I think something was wrong. An Appointment was set for XXXX XXXX to open the new account and transfer funds, the opening of the new account was successful. On or around XX/XX/XXXX XXXX I was blocked from using my debit card, I then contacted my bank and to my surprised my new account was scheduled to be closed and I no reason was given, just that i should receive whatever funds in about 60days from closure of the account, and that I was not able to walk into my branch and withdraw my funds. After weeks of investigating I found out that I was a victim of identity theft. I filed a police report with the XXXX XXXX police department as well as an identity theft report with the FTC. I informed my bank of the identity theft in which they asked me to please provide the police report. I was advised to walk the report into a branch. On XX/XX/2022 I walked into my home branch in XXXX California with my Police and FTC report and submitted it. After submitting the report like requested I then called to check the status. I was given a number to Account Takeover in which I was then assigned to an investigator. Upon speaking to this investigator he was very rude, screaming and yelling as if I was at fault. I was under the impression that this issue was close to being resolved after documents were submitted. The investigator was asking me for the exact same documents that I had already submitted on XX/XX/2022. This has been by far the worst experience of my banking life. This has caused a family hardship. Citi bank has yet to resolve this issue.

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 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene finance refuses to remove my pmi Insurance witch is XXXX a month despite my property value increasing tremendously. 

They say i dont have a good payment history and i was delinquent on my payments. 

My load was recently sold and there was a change in investor and servicer so i dont know how they can say i was delinquent if my investor is no longer XXXX XXXXXXXX XXXX Please have pmi removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary 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 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One credit card- 'XXXX XXXX I read all the disclosures ; since I didn't want a cc with any fees. The disclosure didn't mention a 'membership fee '. I was Approved. Once I received the first payment ; there was a 'Membership Fee ' of {$95.00}. 
I called Capital One and they wouldn't waive the fee. They also said that they have the option to charge some customers the Fee and not charge others. I spoke to a Manager ; and he ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX a hard inquiry XXXX , THD/CBNA ( late payments, when paid on time ), bank of XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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 2022-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank of america 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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 2022-08-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions Thank you very much for your time.

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 2022-08-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
My debt with XXXX was sent to XXXX debt collection services and both XXXX and myself agreed I would pay 6 payments of just over XXXX dollars each as full settlement of the debt. The day before I was set to make my final payment I was told that the debt had been " recalled '' and that I had to call XXXX. When I then called eaglevalley they admitted that all of this was true and that instead of one payment of XXXX left to settle the debt I now owed over XXXX dollars. I'm worried I'm being lied to and scammed. I was given an agreement to settle the debt and it is not being honored. I have emails to prove the settlement and payments. Now I'm recieving calls from a collection agency called velocity investments for what I believe is the same debt. the number of velocity investments is XXXX. I don't know how I'm supposed to believe yet another debt collector about this debt when the last one lied to me. Please help. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, and again on XX/XX/XXXX, I wrote letters from my location at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to JPMCB ( see attached two letters ), requesting copies of my statements for XXXX, as I had been XXXX  since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was XXXX. JPMCB never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. JPMCB did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. JPMCB only sent a XX/XX/XXXX letter saying that everything that they reported to the Credit Bureaus was correct, there was no statements sent to me by them during this time. Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the New Mexico First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX in a Federal XXXX in XXXX, LA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have opened a Secured Credit card credit limit {$300.00} dollars with Bank of America. I closed the account. however Bank of America shows the account charged off. I tried resolving this issue numerous times with bank of America and they have failed to attend to the issue. the have reported duplicate account one for {$160.00} dollars and one for {$160.00} dollars showing it as charged off. the question is this is secured account that means I have paid the {$300.00} dollars upfront and upon closing the account there should be nothing outstanding but bank of America think they can XXXX me because I am trying to rebuild my credit they think my resources are limited and I am not able to do anything about it. I want someone to explain one fact to me if this is in fact a secured credit card {$300.00} dollars collateral from my pocket what money do I owe them? and if I closed the account what fees duplicates slanding my credit for 5 years is crime that bank of america need to be fined and penalized under law. Bank of America is known to be a XXXX and a one of the most corrupted institutions in our country. I demand not only they remove their frivolous slanding accusations from my banking and credit report immediately as I demand that you would fine them for their reckless behavior

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 2022-08-16 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: PA

Complaint narrative:
I have a credit freeze and identity alert on my credit report but somehow EQUIFAX keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to EQUIFAX today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line. The amount of disrespect I received today is disgusting!!! EQUIFAX should be ashamed I will be contacting a lawyer to discuss my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Received medical bill for XXXX XXXX, full amount of {$190.00} was paid from my XXXX account on XX/XX/2020. The bill was turned into collection agency on XX/XX/2020. I have disputed this with credit bureau, and contacted the debt collection agency to advise them this bill was paid, but the original business submitted an amount different that what was owed. The debt collection agency says there is an additional amount owed of {$110.00} (? ) no sure exactly of amount - but there should not be any additional amount because the bill was paid prior to submission to collection.

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