vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: IL

Complaint narrative:
I have tried to log on to the website and online app in XXXX and XXXX to submit the payment on the due date, and each month it has been hit or miss if the online payment option is available. In some cases I have input my information only for the payment to keep not processing. This company only allows for 1 yearly waiving of the late payment fee which is {$41.00}, regardless if the payment is late due to their system failures or not. When I called to speak with customer service, no one is ever able to assist me, and they keep telling me to utilize other ways to pay, of which all require submitting the payment 5-10 days prior to the due date in order for it to post in time or charges you an additional {$10.00} processing fee. They take no accountability for the online payment option not working correctly, and make you feel like the issue you're having is isolated and has never been brought to their attention. I can never speak with a manager when I call, and the manager 's never call back when requested. I was advised to submit a request by mail or fax to apply an additional waiver of the late fee, to which I found that the fax number would not connect. I asked if someone would follow up if sent by mail or fax, to which I was told, no. They will either honor your request or do nothing. This has been an awful experience, and for someone like myself working to repair my credit, it's become more of a headache to keep calling and frustration to keep paying late fees in order to keep my account in good standing. Now that it's current and this has happened twice, I don't intend to use the card outside of emergencies, but it feel like a set up on their end to collect fees and extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company was asked to remove a specific service several months ago from my account, and they acknowledged. They have continued to charge for it and have not removed it, and are now challenging me on this very subject. As you can see from the complaints this is not the only problem I have with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
The debt of {$110.00} was paid directly to the medical provider. I mailed a letter stating that to the debt collector. On XX/XX/ I called the number listed on the debt collection letter and the number did not work, so I am unable to confirm the receipt of my letter or to speak with a real person to explain that the debt has been paid. It seems unfair to list a number that does not even work. 

RevMD Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
My identity was stolen and I made transunion and XXXX aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is NOT a duplicate, it is a new complaint as apparently, despite telling the CFPB and me that they would stop mailing me junkmail solicitations, I received yet ANOTHER one in the mail today. It appears this pathetic disgusting company isn't satisfied with annoying the XXXX out of everyone with their incessant repeated ads, but they have to harass us through the mail as well with repeated unwanted credit card solicitations. Apparently, when you're an XXXX banking professional, with an IQ XXXX XXXX, this is what you think is good marketing. I am self-employed and this one came attention to my D/B/A at my home address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: DE

Complaint narrative:
XXXX XXXX placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with XXXX XXXX or any affiliated parties. XXXX XXXX number is XXXX. I requested validation of this debt by requesting the original contract and XXXX XXXX sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made XXXX XXXX aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.

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 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
We sent money through Cash app to someone claiming they were puppy breeders to purchase a puppy. The man said his name was XXXX. The puppy was never sent and they have denied our request for a refund. His phone number is XXXX. The user name we sent the money to was XXXX XXXX and the account is still active, cash app has not even suspended the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
my client XXXX XXXX has been the victim of fraudulent activity on their Robinhood account. Despite reporting the issue to Robinhood and requesting that the funds be returned, my client has not received any resolution to the matter. As a result, Robinhood is now in violation of applicable laws and regulations related to fraud prevention and consumer protection. 
The facts of the case are as follows : my client discovered several unauthorized transactions on their Robinhood account and immediately reported the issue to the company. My client requested that the funds be returned to their account and the matter be investigated. However, Robinhood has failed to take appropriate action in response to my clients request, leaving them with a financial loss.

In this case, Robinhood is in violation of several laws and regulations, including the Securities XXXX XXXX of XXXX and the Investment Advisers XXXX of XXXX. The Securities and Exchange Commission ( SEC ) has specific rules and regulations in place to protect investors from fraudulent activities, such as unauthorized transactions on brokerage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear, CFPB My name is XXXX XXXX & my old name is XXXX XXXX until last year XXXX when I got naturalized. 
Ever since I got naturalize last XXXX, my credit history & scores were removed from Experian. I sent all the supporting documents to XXXX, XXXX XXXX Experian to update my name. Although, two companies were able to merge or add my new name on top of my old name to keep the score & histories. 
However, Experian is the only company not able to merge or add my name into the credit history, that's why I have XXXX score with 1 hard inquiry I have already contacted Experian numerous times & file a dispute online. 
Experian kept telling me it's not them having the issue, it was my creditor who's not reporting under a new name. So Now my bank rep is involved in my case to support me at this moment. I'm sending you a copy of supporting documents as well. 

Now I'm regretting why did I change my name & it's stressful to see XXXX XXXX XXXX on Experian portal. Only thing listed on Experian portal is my past home addresses & 1 hard inquires. I appreciated if you can carefully read my supportive documents. 

contact me if you need to access Experian Portal or Sensitive questions. 
Thank You. 
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 2023-03-23 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: TX

Complaint narrative:
On XX/XX/2023 I submitted a complaint about Transunion investigation into XXXX XXXX XXXX reporting on my credit report. After I sent Transunion a dispute letter I received a letter from XXXX this letter was not validation of the debt with my wet signature it was instead a letter asking to call. I requested validation of this debt via signed contract.

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 2023-03-23 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had already filed a complaint with US Bank their response does not make sense and this issue is not resolved. 
My account was compromised. 
Someone logged in from another device /location and linked to an external account. 
No verification was done to confirm it was me. 
Email alerts were sent and I did not receive them. I should be getting text messages. 
Money was transferred on XX/XX/XXXX, XX/XX/XXXX totaling {$9500.00}. There were not red flags raised stating this was against user patterns. I did not get any text messages indicating money was transferred just emails which must be gone SPAN and they tell me when I call to check my SPAM email when I call them. In this case I was not expecting any emails so if they happen to go SPAM email and I do not see them they are missed, SMS is better approach and should be enabled by default.

Also how can account be linked without any proper ID verification?

Their agent said anyone can link to anyone 's account now that is scary when account information is compromised.

Account 2 factor authentication needs to be enabled by default going to text message. I have this for everything even Fidelity sends 2FA to my phone via a text message when an bank account is linked to confirm its me., US Bank credit card also has this by default and someone actually was trying to pretend to be me but failed on 2FA using the text message and account was disabled.

US Bank customer support also said I will be getting money lost due to Fraud.

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 2023-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I shopped at XXXX store XXXX in XXXX XXXX, XX/XX/2022. I spent XXXX but my Capitol One card declined the transaction so I had to use my XXXX debit card instead. My Capitol One statement for XXXX showed the XXXX charge. I also got my XXXX bank statement that showed the XXXX for XX/XX/XXXX XXXX called Capitol One and disputed the charge. The charge was removed in XXXX statement XXXX. I had stopped using the Capitol One card but I did use the card XX/XX/2022 online for XXXX. I had a XXXX on my Capitol One account. I sent Capitol One a copy on my receipt that says Capitol One declined the purchase XX/XX/2022. The receipt says another credit card was used. I am sending pictures of my receipt and XXXX bank statement with the charge from XXXX with the XX/XX/2022 charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * Caine & Weiner : Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-03-23 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * XXXXXXXX XXXX XXXXXXXX XXXX Account Number : # XXXX On XXXX Credit Bureaus Report *Affirm Inc - Account number XXXX *Affrim Inc- Account number : XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.

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 2023-03-23 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.

Company response to consumer: Closed with explanation