vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received my direct deposit on XX/XX/XXXX. On XX/XX/XXXX, while campaigning at a voting center, I received multiple alerts notifying me of transactions totaling {$1000.00} on my card. Shocked and distressed, I immediately contacted the customer service team. Unfortunately, due to the emotional distress of the situation, I initially had trouble recalling my card number. However, after regaining my composure, I was able to provide the necessary details and complete a police report to report the card as stolen. 

I was informed by customer service that I would need to wait seven days for the transactions to be fully processed before I could initiate a dispute. I filed the transaction dispute on XX/XX/XXXX. In particular, I called Comdata and informed the representative that I did not authorized those transactions and I was disputing those transactions. The representative stated she filed the disputes. Following that, I was told I would need to wait another 10 business days for the investigation to be completed before a refund would be processed. 

On XX/XX/XXXX, I called again for an update, and was advised to call back on XX/XX/XXXX. Upon calling on XX/XX/XXXX, I was informed that my dispute had been denied and that an email had been sent to me with details. However, I have not received any email communication regarding this decision. I have called them 4 more times requesting the email be sent. As of now, I have not received the email. 

Furthermore, when I requested the contact information for the fraud department, I was told there was no direct phone number and that they could only be reached by email. I was informed that they would submit a request for the email to be " resent, '' but this lack of direct communication is both frustrating and unprofessional. 

Given the circumstances, I am extremely disappointed in how this matter has been handled. The delay in resolving my dispute and the lack of transparency throughout the process have only compounded the financial hardship I am already facing. This situation feels like a complete failure in customer service and fraud prevention, and I am left with the impression that my case has not been treated with the urgency and seriousness it deserves. 

As I am still waiting for my funds to be returned, I intend to continue pursuing this matter until a resolution is reached. I urged Comdata to take immediate action to rectify this situation. Working individuals like myself rely on timely access to their hard-earned wages, and the way this has been mishandled is unacceptable.

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 2024-11-26 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX XXXX Account name : XXXX  XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Hi there, On XXXX XXXX, I tried to log in my Penfed credit union application ( I have their checking and saving accounts ), but when I logged in, it shows : '' Your online access is currently blocked '' ( XXXX XXXX ). Then I called this number and an agent told me due to " unusual activities '', my account will be indefinitely restricted and they were not able to disclose the reason. And the only solution to end this situation is that I have to tell them I want to close my account, then they will close my account and mail the check of my current balance of my checking and saving account to me. I told I want to talk to their supervisor from associated staffs to figure this out and tried to unlock my account, but they said they are just regular customer service and the associated staffs were not allowed to speak to their customers. Then I told them I don't want my account to be indefinitely restricted and asked regulart phone customer service to convey my request to their supervisor and called me back when they had further updates. 

I used Penfed checking account mostly for paying for my credit card ( XXXX, XXXX, XXXX ) and I used this account very regularly. I've been a Penfed memeber for more than 2 years. ( XXXX XXXX ). All of the sudden, this happened. And unfortunately, till now, If I try to log in, it still shows " Your online access is currently blocked '' ( XXXX XXXX ). And I never receive their call back. It's already over a month and I really want to get this settled. And you can see the attached XXXX XXXX, 2 days ago I can still receive their " Happy Birthday '' email, which means my account is still exists. 

Best regards, 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 monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood Crypto has restricted my account after I attempted to transfer funds out of their account even after completing all their XXXX  verifications upfront. They were happy to take my money when I was depositing it to them, however. I have been waiting for days for a contact back, but have not received any contact. Apparently the only way to contact them is by requesting a call back from their website or mobile app but the Request a Call link in the app is not functioning properly ( its not a clickable link ), all calls to Robinhood customer support are telling me I can not schedule a call back at this time when I input my account number, mobile app chats are only via a virtual assistant that does not allow me to interact with it ( just tells me there is a restriction on my account and allows me to click a button to say Yes, thats all when that is NOT my intended response ), the upload link in the email I received requesting more information is not functioning properly, and there is no way I can get a hold of anyone at this company. I can not be left hoping to get a call back from them at the exact moment I am available and ready to pick up the phone with my busy work schedule. Any emails Ive received from the company came from a no-reply email, so email contact has not been an option either. This is a completely unacceptable level of service from this company and it is causing me undue financial burden with being unable to do anything in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: CA

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 XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 



15 U.S.C States I have the right to privacy 15 U.S.C It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 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.

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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
upon checking my credit I discovered the inquiries, I have no knowledge of these inquiries : XXXX-Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXXXXXX XXXX XXXX-Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX-Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX-Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a credit card with Capital One but the interest rate I'm been charged is 39 % and this isn't a rate I am familiar with. It is very hard and finance are hard now. I've been making payments but the amount doesn't change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Credit card was applied for without my knowledge on 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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
The information provided generated more questions than answers. I was told the fees go back to 2018. I am confused ; Why would a company continue to extend the fees each month instead of recouping the fees as soon as possible? I was told by SPS 's representative that this practice is one that all mortgage companies use ; however, I have never seen anything like this and my mortgage has changed companies on at least 3 occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX 2024 Citi Card took a total balance payment of {$170.00} from my XXXX XXXX XXXX XXXX ( AFCU ) account electronically without my permission resulting in an XXXX overdraft fee of {$33.00}. I called XXXX and they said Citi Card did it electronically. Isnt it illegal to do that? I had to fill out a form from XXXX to get my money back. Then Citi Card charged me a {$30.00} return check fee. I called Citi Card on XX/XX/XXXX/24 and asked to speak to a manager and he said it was for a previous card that had been lost/stolen. I went into shock, couldnt speak, and he got off the phone. I then called Customer Service and a woman said I would have to wait until the {$30.00} pending return check fee posted before anything could be done so I waited until it posted on XX/XX/XXXX 2024. 

I called Customer Service on XX/XX/XXXX2024 and spoke to a woman who said wait three days for an investigation to complete. After three days and hearing nothing, I called back on XX/XX/XXXX 2024 and spoke to XXXX (? ) who said there had been no investigation and he said he waived the fee because of that. XXXX said it would take 2-5 business days for it to reflect on my account and I would receive a letter in the mail confirming the waived fee. It has been three days and the fee is still on my account. I need help getting away from this bank. They robbed me. I never pay them until the XXXX of each of the XXXX months I have had the card. I dont have the money on the XXXX to pay them. I paid {$170.00} on XX/XX/XXXX2024 with their telephone pay line but not the {$30.00} for the return check fee that I didnt authorize. I want it removed from my account and be rid of this financial institution. 

Emails of my Citi Card payments : Transactions Date Description Amount Running Balance Posted Total XX/XX/XXXX 2024 PAYMENT THANK YOU - {$170.00} {$30.00} XXXX XXXX, 2024 XXXX24 XXXX RTN R10-CUSTOMER ADVICS  {$170.00} {$200.00} XX/XX/XXXX2024 RETURN CHECK FEE - XXXX {$30.00} {$30.00} XX/XX/XXXX2024 ONLINE PAYMENT, THANK YOU - {$170.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Your statement is available online - make or XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Your Citi card ( s ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Citi Card XXXX ( card ending in XXXX ) XXXX XXXX XXXX XXXX XXXX my bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX VA 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 monetary relief
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I looked at my EQUIFAX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
https : //app.lendumo.com/verification/success I thought i would pay regular in terest hey are chargin over 500 % interest like {$9000.00} to get {$2200.00} please click on attached url above To save money on your loan, you can pay off your balance early or make extra payments toward your principal by logging in to your account at https : //lendumo.com/ or by calling us 24/7 at XXXX. Please note that it may take up to three days for your payment to process.If you want to pay off your balance in full on your first scheduled payment date of XX/XX/year>2024, the total amount will be {$2900.00}. There are no penalty fees for early payoffs.If you do not make extra payments and/or pay your loan early, the total cost of your loan will be {$9300.00}. 

Your funds will be transferred to your bank on XX/XX/scrub>/2024. Please keep in mind that banks have different policies determining when transferred funds can be released to their customers. 


Your first payment is due on XX/XX/year>2024. On that date, we will automatically withdraw your regular payment of {$770.00}. 
never agreed to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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