vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
I have a Health Savings Account ( HSA ) with Optum Bank , Inc., doing business under the name " Optum Financial ''. For the past XXXX  months, ever since I terminated mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, my account has been incurring a monthly " account maintenance fee '' which I did not agreed to. This fee did not and still does not appear on the fee schedule on Optum Financial 's website, either before I XXXX XXXX XXXXXXXX  or at any time thereafter, and I did not receive any notification about it by mail or e-mail.

I have contacted Optum numerous times about this issue, starting on XX/XX/XXXX when I first noticed the discrepancy. At first, they told me that the fee had previously been paid by XXXX, and that they started charging it to my account when I XXXX XXXX XXXX XXXX. I asked why this fee was deducted when the written schedule of fees doesn't authorize it, and they were unable to provide any justification. I was told that the discrepancy would be investigated, and I called back about XXXX times over the next XXXX weeks but was continually told that the investigation was still pending. The company repeatedly promised to call me back with updates but never did. 

Dates of my phone calls : * XX/XX/XXXX * XX/XX/XXXX ( XXXX calls ) * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX On XX/XX/XXXX, I spoke with an Optum Bank supervisor named " XXXX '' on a recorded phone call. She confirmed that Optum Bank was aware that the monthly maintenance fee was not included on the schedule of fees, but said that regardless, it would not be refunded because the maintenance fee was as-is. 

Please see the attached documents in support of this complaint : * Account statements showing the monthly maintenance fee ( charged aXXXX XXXX XXXXXXXX, XXXX times between XX/XX/XXXX and XX/XX/XXXX, totaling {$30.00} ) * The current " HSA Fee and Interest Schedule '' ( dated XX/XX/XXXX and still current as of XX/XX/XXXX, accessed via the Optum Financial website ) which does not show a maintenance fee * The " HSA XXXX  XXXX '' governing the account, which states that the " Schedule of Fees '' is the authoritative document governing fees that I owe ( unless XXXX notice is given ) l see highlighted sections on page XXXX XXXX XXXX XXXX * The XXXX XXXX consent policy '' stating that Optum Bank 's website is a legally recognized means of delivering the account agreement and fee schedule

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-01-27 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: AES/PHEAA
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Notice there was a unknown charge on my XXXX XXXX credit card in the amount of {$8000.00}. Make at XXXXXXXX XXXX XXXX, I call Navy Federal credit union to dispute charges and the denied the Claim.I havent been in XXXX Florida to make this purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX my ex filed bankruptcy which included a boat we had financed. She maintained possession of said boat and it got repossessed. The bank auctioned it for XXXX 's on the dollar and then stole XXXX out of my bank account 6 years later stating that they didn't receive full payoff. 

# 1 - The boat was involved in a bankruptcy # 2 - It was 6 years ago # 3 - How can they just steal my money # 4 - I'm being as civil as possible but that won't last long At the end of the day, I need my money back IMMEDIATELY and I will take whatever action necessary. I'm a XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This WILL get dicey if I don't get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex Collection Agecy reported me to XXXX and XXXX for a medical bill in the amount of {$210.00}. 
I have never received a bill, I have received no correspondence from Remex, asking for payment for any services. 
I called them repeatedly on XX/XX/23 and tried to find out what services I owe this money for, what my account number was, etc. I got their contact info from my credit report. 
I would like this investigated as I do not want to fall victim to Unfair Collection Debt Practices. 

The contact info for Remex is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone Number : XXXX Thank you, I am sorry that I do not have any more info. 
My contact is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: FL

Complaint narrative:
Experian is incorrectly reporting accounts that should not be on my personal credit report. Experian has refused to delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is listing my business/estate information on my personal credit file. I have a XXXX Financing Statement filed with the State of Florida, XXXX numbers XXXX from the Internal Revenue Service and XXXX XXXX & XXXX XXXX XXXX XXXX the name attached to this personal credit file is business/estate related. I am a secured party creditor and control all rights to the name and accounts that should not be on this credit file that Experian has created. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are witnesses to the copyright infringement upon my business name ( s ) that are reflecting on my personal credit file and the defamation and inaccurate derogatory information contained there within that is negatively impacting me professionally and personally. I have contacted Experian on multiple occasions regarding this matter without resolution on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt and on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt. The derogatory information continues to report. I need the assistance of the Consumer Financial Protection Bureau to investigate this case. 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 2023-01-27 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: GA

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. 

XXXXXXXX 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, 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 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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Respected WellsFargo officials, As per our discussion, even though you mentioned that actual money was withdrawn only on XX/XX/XXXX, As far as i can see, the transaction was initited on XXXX XXXX and money was obtained by XXXX immediately. So there is no chance that XXXX paid for my transaction and claimed it on next day. 

Thanks XXXX On XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX wrote : Snce my account address is in California which works on XXXX, I am paying wellsfargo for low daily balance. 

XXXX XXXX : Wells Fargo XXXX Name on XXXX XXXX XXXX Payment account XXXX XXXX  ... XXXX Amount {$12.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Memo ( Optional ) Fees low balance on XX/XX/XXXX XXXX characters remaining. 
Confirmation XXXX On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Following is time stamp in IST when XXXX  received the money from WellsFargo. 

Money received ( # XXXX ) XXXX  XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  This message contains blocked images.Show images orAlways show images On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : I am pasting the emails so that time stamps when money transfer was initiated are corrected. Time stamps on the main header is in XXXX. 
Time stamps in XXXX banner within the email are in Eastern time zone in XXXX. 

Completion : XXXX Investments XXXX Unsubscribe Tue, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : XXXX sent XXXX XXXX XXXX XXXX Tue XX/XX/XXXX XXXXXXXX XXXX XXXX Initiation : XXXX XXXX XXXX Unsubscribe XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : Electronic Funds Transfer Initiated XXXX XXXX Subscription Alert XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : Respected Officials, Following up on this, I received XX/XX/XXXX statement from WellsFargo, that no fees was charged for this. I don't know if debit card transaction will be settled on next day. I have'nt received any response from WellsFargo. I initiated the money transfer around XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( i.e XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

I brought in money from XXXX to bring balance back to above {$500.00} on same day in XXXX. But as per XXXX, the money transfer from XXXX completed next day. 

Thanks 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 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc.
State: NJ

Complaint narrative:
This company has called me multiple times this month, almost every week. They call off of the same number or different numbers. I received my first call on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They have also left me voicemails one on XX/XX/XXXX, XX/XX/XXXX. I have told the company to STOP contacting me as I never was able to speak with the sole person who was in charge of my debt. They sold it to a collections agency before I could even make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
2 fraud checks were cashed by chase bank and XXXX XXXX plus other eft transfers using my account number the eft transfers were credited 30 days later now for the last 6 months trying to get checks credited they have admitted it was fraud but i am getting the run around i tried everything and the mgr of bank has also tried everything he has called the fraud dept in XXXX numerous times only to hear the same run around he said he escalated it to the highest level and still no one has called or done anything he is the only one trying to help me it seems like they want just to hold undo funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CORELOGIC INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, 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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report please remove 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 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
these XXXX companies XXXX XXXX XXXX XXXX GLA Collection Company Inc These two companies are complete scams, I never even been to ( XXXX XXXX XXXX ), but on the XXXX XXXX XXXX XXXXXXXX website they claimed that they treat patients at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. If so, XXXX has already been paid. Im in good standing with XXXX  so these people should not be passing off already paid XXXX  bills to collections company this ( XXXX XXXX XXXX XXXX ) never sent me letter at all never or call saying I owed anything and they are supposed to be the original creditor. 

I have insurance which is ( XXXX  ) and I have been covered by them since I was kid, these are facts. 

My insurance which is ( XXXX  ) already told the ( GLA Collection Company Inc ) company that they could not bill or charge me. 

Date of service claimed XX/XX/2019 amount XXXX XX/XX/2019 amount 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 2023-01-27 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: CA

Complaint narrative:
In XX/XX/2022, I began taking control of my credit because my family and wanted to obtain a home. Unfortunately, i was denied because of multiple fraudulent accounts on my credit report and after further investigation, this was a result of my information being compromised during a data breach at another credit bureau. I contacted the necessary bureaus, XXXX, XXXX, and TransUnion to notify them that my information was compromised and I sent in the documentation they required from me. 

XXXX and XXXX conducted their required investigation and removed ALL fradulent accounts. But TRANSUNION sent me an auto reply response stating that they could not look into my claim because they needed more evidence, but in fact I sent everything they requested when i spoke to XXXX in the fraud department at TransUnion on XX/XX/2022. 

TransUnion is violating the following FCRA laws by not looking into my dispute. : FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting and pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days upon receipt of this letter.

In additoin, from my understanding while researching FCRA laws and Metro 2 compliance guidelines, all bureaus ; XXXX, XXXX, and TransUnion are legally required to report the same information on consumers reports!! 

I believe they sent me an auto reply letter to grant themselves and additional 30 days to look into my claim, which just isnt fair because these fraudulent accounts are affecting my life and my family 's life. It isnt fair that this " bureaus '' decide when and what they place on our reports!! And just like in of Wenger v Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion may be liable for their willful non-compliance.

I will ensure I do whatever it takes to keep these said " bureaus '' accountable, their misreporting and inaccuracies are literally ruining my life and ability to create a better future for my family. I am truly distraught and depressed that I am unable to get a home we desperately need because there is bad people out there just trying to ruin hard working people 's life. I have included all correspondence i have sent them and as well as proof of identity. 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 non-monetary relief
Consumer complaint received 2023-01-27 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-27 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: LEXISNEXIS
State: MD

Complaint narrative:
XXXX is reporting an unverified incorrect erroneous bankruptcy on my credit report i have disputed the bankruptcy and they claimed to have verified it with LexisNexis why are you supplying your client in accurate unverified information i would like you to fix that since my report has no bankruptcy being reported on there i submitted a previous request to investigate and i was told that it was investigated and i had to be authenticated to be sent the results which i was i will be attaching a copy of the letter and a copy of my report showing no bankruptcy being reported on there so why are u supplying incorrect info to your clients

Company response to consumer: Closed with explanation