vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
I still do not know why the entire balance of my account was transferred. I put in for a {$5000.00} transfer to my XXXX XXXX account but Optum transferred the entire balance of {$9400.00}. Yesterday I called and waited on hold for 1 hour before talking to the Optum representative in the attached phone call. She said XXXX, my employer, did a batch transfer of their employees accounts. I don't think this is true because as an employee I received no advanced communication about such a transfer. I also do not know for sure where this money went. I certainly hope it was sent to my XXXX account but it's unknown to me and the representative I spoke to yesterday could not answer that question. 

The other outstanding issues which I'll leave to Optum Bank and their remaining customers to solve, are the following questions which after numerous phone calls, emails, in portal messages, and escalations to the Consumer Finance Protection Bureau remain unanswered other than the same response from Optum " Insperity made the change ''.

Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account with the Optum app. This was also found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I still have received no answer to date. Optum has conveniently purged my sent messages with the portal related to this matter and every time I received back a call they said this was XXXX 's doing and that they were prohibiting the use of the XXXX XXXX account. However, the open question remains, why promote and waste everyone 's time by offering this in the Optum app and portal to begin with???

There remains a link under my Optum account to an unknown XXXX XXXX account. I still do not know what account this links to as I closed the aforementioned XXXX Account after learning this was a broken feature in Optum 's portal and app.

I am missing {$9400.00} in funds. It neither appears in my Optum account nor in my XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
If this is not resolved immediately I am suing American Express & The Credit Bureau for this unlawful act!!! 

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX American Express, 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 an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HKM and Associates
State: CA

Complaint narrative:
In 2020 I settled a debt to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX... The XXXX XXXX XXXX shut this company down for fraudulent practices after I paid my debt..Now XXXX XXXX XXXX XXXX coming for me 3 years a debt collection company called XXXX XXXX saying I'm still liable for the debt and now they've added extra fees totalling XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has opened accounts for me multiple times in the past 2 years without my consent or any effort on my part.

1st time was XX/XX/XXXX 2nd time was XX/XX/XXXX 3rd time was XX/XX/XXXX Each time no $ $ was involved but i had to to call and cancel these accounts. Each time it is multiple accounts opened in my name. Today ( XX/XX/XXXX ) it happened to my wife. A checking account was opened with her name and she has never had a bank of America account. I have had one many years ago ... .but, canceled a long time ago.

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 2023-07-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WF CRD SVC XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution. 

XXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My mother purchased a Vanilla Gift card for {$50.00} from a XXXXXXXX XXXX XXXX on XX/XX/XXXX. One year later, I went to activate the card so that I could use it, it said the funds have been used on XX/XX/XXXX, exactly 5 months later to the date of purchase. This seemed impossible because I could barely get the card out of the cardboard. I also have no idea what this company is XXXX XXXX - XXXX, where the funds were used. 

I have called Vanilla gift card five times. The first time, the representative acted like he didn't want to be bothered to send me the claim form and I believe he purposely entered my information incorrectly. Once I had that information corrected, I was told they would send me the claim form in 10 days. Approximately 12 days later, they said they would send the claim form in 3 days. That was on XX/XX/XXXX. Today, XX/XX/XXXX, I called them and they said it will be another 5 days. When I asked who the email will come from, they said " income dispute '' email address XXXX. How can this even be a real email. I have read countless stories online of people being the victims of fraud from XXXX and can never have their issue resolved. They need to be shutdown. They are part of a bank and I would not be surprised if it is the employees themselves illegally redeeming the cards and scamming people. 

I have read countless stories from other users of XXXX XXXX services and news reports of exactly my same experience, yet this company is allowed to continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Consumer portfolio services refuses to remove from credit report. Identity proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
Between XXXX XXXX XXXX my XXXX XXXX was stolen from my driveway while I was away for business. I filed a police report and made a claim with my insurance company XXXX. My car was deemed a total loss after law enforcement and the insurance company investigation. The lienholder Bridgecrest was made aware of the vehicle being a total loss. On XX/XX/2023 XXXX sent a check to Bridgecrest for {$21000.00}. I spoke with Bridgecrest in XXXX about a week after the check was mailed. They confirmed they had the check but needed to speak with XXXX. I made contact with my agent from XXXX, XXXX XXXX ( XXXX ) XXXX who said she would speak with Bridgecrest. XXXX XXXX confirmed with me about ( 2 ) days later she had spoken with Bridgecrest. I then called Bridgecrest again ( towards the end of XXXX ) and they still refused to deposit the check to my account. By this time they have listed my account 60 days negative to all credit bureaus. 

I attempted to dispute this with the bureaus but they all ruled in favor of Bridgcrest and informed me to open a claim with you. I have tried working with the lienholder but every time I call I get a different lie on why they have not applied the check towards my car. My credit score has dropped over XXXX  points and now showing 90 days passed due. This has caused me denials with recent credit transitions and my current job is now reviewing my credit. 

I've attached what XXXX shared with me as proof of payment.

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 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 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 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

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 2023-07-11 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of America reporting a this fraud act on my credit and XXXX didn't have proven that this was accurate only because Bank of America said it accurate they have been damaging my credit for over 4 years

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 2023-07-11 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: IL

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 has violated my rights., 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 non-monetary relief
Consumer complaint received 2023-07-11 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I have used specialty credit cards from Synchrony Bank on two occasions : one to purchase XXXX XXXXXXXX and one to purchase a home air conditioning system. Both cards offered 0 % interest for a specified number of months, with typically high CC interest taking effect if the balance was not paid off within the period. This was explained verbally by the air conditioner seller but not explained by the XXXX XXXX  provider. I assume the details were in the fine print of the agreement, which I did not read. Monthly billing statements gave the standard advice that I could save money by paying more than the minimum balance, but made no mention of the risk of high interest or the date when it would be imposed. Since I was aware of the provision and paid off the purchase amount within the stated period, I suffered no loss or damage. However, I firmly believe that many users of this kind of " interest free for XXXX  months '' offer did not understand, or did not remember at the right time, and had to pay high interest they were not expecting.

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 2023-07-11 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: PA

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. 

I told Experian, XXXX, and XXXX to reinvestigate these 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loan was transferred from XXXX to MOHELA a few months ago. My payment amount on MOHELA changed from my amount I have been paying for 20 years. I did not request or authorize a change in my loan terms. It changed from $ XXXX to $ XXXX with the same interest rate of 3.5 %. This means my loan would not be paid off in XXXX, as planned, however in XXXX at that new payment amount, in addition to extra interest I would have had to pay. The extra interest would have been at least $ XXXX at the end of paying it at the lower $ 206 monthly payment. 
I contacted MOHELA on XX/XX/2023. They were able to change my payment back to my amount of {$310.00}, however did not have an explanation as to why the change occurred. I explained to them did not ask for or authorize any payment changes or changes to my loan terms. 
I am concerned this XXXX have happened to other borrowers and that they will end up paying more money for their student loans, then they also had originally agreed upon and without their permission. 
I would request an inquiry into the loans recently transferred over to MOHELA, to see if this is a larger issue or only specific to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am in California, we don't have BMO bank branches here but they launched a massive mail advertising campaign and I received a mail with an offer to open CD for 4.9 %. 
I did. 
I needed to withdraw earlier and called to the bank. 

here the saga started. 
XXXX they can't do that efficiently over the phone. it has been a week I still did not get my funds. they lie saying they mailed a check. 

XXXX. They charged principle and this is why I am submitting this request. They never disclosed the penalty they would charge if you terminate earlier. for XXXX USD CD they charged all incurred interest ( it is fine ) and XXXX USD on principle. 

in fact, they charged me XXXX USD in total and I am receiving less than I invested. They sent a check on XXXX USD while I invested XXXX I politely asked them to refund me a principle they charged but branches do not exist, and they hung up when you call.

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