vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
I had an HSA ( Health Spending Account ) in XXXX. As XXXX approached the end, I contacted Optum Bank to ask when my access and ability to charge medical costs to the card. I was told that I would have no access to the account since I had to use all of the funds I contributed to it no later than XX/XX/XXXX In the first quarter of XXXX, it turned out that the account was still active and could be used to pay for medical costs. 

Last month, I realized that the full turnaround from " the account is closed '' was worse than I had thought when I realized that Optum bank was charging monthly fees on the card at {$2.00} a month. 
To reiterate, the bank went from your account is closed and you can not use it to the bank themselves using it to get fees. I find this to be harmful to the consumer especially when it is a card intended to be used for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no signed contract with XXXX XXXX XXXX XXXX XXXX XX/XX/23. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXXXX/XX/23. I have no knowledge of this debt or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have no signed contract with XXXX XXXX XXXX XXXX XXXX XX/XX/23. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXXXX/XX/23. I have no knowledge of this debt or account.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I LOOKED ON MY EQUIFAX CREDIT REPORT AND SAW A COLLECTION ACCOUNT. THE COMPANY NAME IS XXXX XXXX XXXX. THE ACCOUNT NUMBER IN QUESTION IS XXXX. THE AMOUNT WAS FOR {$53.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: MO

Complaint narrative:
Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.

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 2023-12-14 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: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
On XX/XX/XXXX, I received an alert on my phone from my credit union ( Navy Federal ) that there was suspicious activity occurring on my checking account. I received a follow up phone call from a NFCU representative to review my account history. Upon further review, we determined that multiple unauthorized charges were posting from XXXX ranging in amounts from {$2.00} through {$390.00}. The bulk of the larger charges occurred within that week, which alerted NFCU. However, after reviewing my bank statements, I determined that there were multiple unauthorized charges to my account from XXXX over the last 3 months. The representative filed 2 fraud claims on my behalf, XXXX for {$410.00} and another for {$2500.00}. The representative sent me a Statement of Forgery to complete. 
XX/XX/XXXX I contacted XXXX to determine the source of the charges as there is no record of them in my purchase history. The XXXX representative confirmed that an excess of XXXX UNAUTHORIZED charges posted to my account that did not originate from my XXXX XXXX. They would not provide any information on where the charges came from. XXXX initiated a claim for a refund but ultimately denied it and did not provide a reason. XX/XX/XXXX I contacted Navy Federal and was told that both claims were denied and I had the option to appeal. I submitted the statement of forgery and bank statements for XXXX, XXXX, and XX/XX/XXXX highlighting all unauthorized charges from XXXX. I confirmed that I did not authorize or provide card information for anyone to complete a transaction with XXXX. I also provided my XXXX purchase history proving that the unauthorized transactions did not originate from my XXXX account. I received a notification from NFCU that a 3rd fraud claim was filed on my behalf in the amount of {$790.00}. On XX/XX/XXXX a 4th fraud claim was filed on my behalf in the amount of {$640.00}. Navy Federal provided provisional credits and then denied 2 of the claims, reversing the credits of {$410.00} and {$640.00} ( due to come out of my account on XX/XX/XXXX ). 
I now have a total of {$4400.00} in unauthorized charges from XXXX that I am seeking reimbursement for. I am not confident that XXXX or NFCU will cover the fraudulent charges as both institutions have passed the responsibility back and forth. I am caught in the middle with a large amount of money taken from my account. This has caused me great financial hardship as this is in the middle of holiday season. I appreciate any assistance with getting my funds reimbursed as the charges were indeed unauthorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I mailed a check in XXXX from the Title company. It took a month for Total Visa to locate the check and credit payment in full. I also reported the card lost. Total Visa said they would not be replacing my card which was fine. They sent me a letter saying the account had XXXX balance. Then Total Visa opened a new account without my knowledge or permission and began billing me. I paid the bill for a while because I forgot about the letter they sent. They harrased me so much that when I found the letter and compared the account numbers, finding they didn't match, wrote them a letter requesting they correct the records, and issue a refund. and i stopped making payments. Now they have reported this to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I paid for concert tickets from my checking account over 9 months. The monies were taken out each month, then I did XXXX separate charges for additional tickets and a camping site. Two months before the XXXX XXXX XXXX XXXX IN VIRGINIA, I had to go to a work meeting, so I sold the tickets through XXXX XXXX XXXX XXXXXXXX XXXX  WEBSITE TO : XXXX, THIS IS WHO THEY USE. THE TICKETS WERE SOLD BY XXXX 
My tickets sold in less than 2 mins. i was immediately emailed that I would get my refund of {$3100.00} on XX/XX/2023, AFTER THE CONCERT. my tickets were sold to another person. The concert was from XX/XX/XXXX through the XXXX. 2023 I NEVER RECEIVED MY MONEY BACK. I HAVE THE EMAIL THAT STATES IT WOULD BE RETURNED VIA XXXX, WHICH WAS FINE BUT I NEVER RECEIVED IT. I HAVE EMAILED AND CALLED ALL THREE PARTIES WITH NO HELP OR ANSWERS. I FILED A CLAIM WITH TRUIST BANK AND THEY DENIED IT. WHICH IS CRAZY BECAUSE I PAID FOR A SERVICE I NEVER GOT. I HAVE ALL THE EMAILS, THE POSTS THAT THE CONCERT VENUE POSTED, ETC. I NEED MY HARD-EARNED MONEY RETURNED TO ME. PLEASE HELP ME. It is now XX/XX/2023, and I have had no money returned, replies, or help. How can this be legal? I am reading that many of the concertgoers are getting their money back. I am so upset my bank will not help me.

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 2023-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
please note XXXX XXXX XXXXXXXX and TD Bank reported a 30 day late on my credit. This is a mistake and should be corrected. 
I was deployed overseas when the late was incurred due to a baking error. 
Please see attached notorized letter and my US army credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: MO

Complaint narrative:
Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was reinserted on principal consumer report this erroneous tortuous act took effect on XX/XX/2023 in the amount {$720.00}.

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 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS, XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, 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 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. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt in fact therefor exists in requesting documentation none was provided. Due to identity theft this should be removed.

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 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am writing to lodge a formal complaint against Shellpoint Mortgage Servicing for its alarming and unfair practices during the COVID-19 forbearance period, as well as its improper foreclosure filing. This situation has placed an undue burden on me, and I believe Shellpoint Mortgage Servicing has violated key regulations set forth by your agency. 

During the COVID-19 forbearance, I entered into an agreement with Shellpoint Mortgage Servicing to temporarily pause my mortgage payments due to pandemic-related financial challenges. Despite my willingness and ability to make payments, I encountered significant barriers intentionally set by Shellpoint Mortgage Servicing. Specifically, the company has a practice of not allowing online payments, a crucial method that many homeowners rely on. Moreover, Shellpoint Mortgage Servicing failed to proactively provide viable options for making payments or communicate the end of the forbearance period. 

In my attempts to address these issues, I communicated both in writing and over the phone with Shellpoint Mortgage Servicing, explicitly stating my challenges with making online payments. Unfortunately, Shellpoint Mortgage Servicing did not take appropriate steps to accommodate my needs or provide any alternative solutions nor the necessary information to avoid potential negative consequences. 

To my dismay, I discovered that Shellpoint Mortgage Servicing improperly reported my account as past due and initiated foreclosure proceedings against my property. This unjust action has not only damaged my credit but has added an unnecessary burden on homeowners like myself who are fully capable and willing to make payments but face intentional barriers set by the lender.

I am formally requesting that the Consumer Financial Protection Bureau thoroughly review this matter and take decisive action to ensure Shellpoint Mortgage Servicing complies with your agency 's guidelines. This practice not only jeopardizes the financial well-being of homeowners but also goes against the spirit of the protections put in place during the COVID-19 pandemic.

Enclosed with this complaint, you will find relevant documentation, including records of communication with Shellpoint Mortgage Servicing, foreclosure notices, and any other pertinent information that may assist in your investigation. 

I implore the Consumer Financial Protection Bureau to intervene and address these unjust practices promptly. Your attention to this matter is crucial in protecting the rights and financial stability of homeowners facing challenges during these unprecedented times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: MO

Complaint narrative:
Principals rights were violated by XXXX XXXX XXXX in conjunction with Equifax, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was previously removed and This erroneous tortuous act took effect and replaced on consumer report on XX/XX/2023 for amount {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for XXXX XXXX XXXX  and the company who bought their old accounts is portfoliorecov. I spoke with XXXX XXXX  who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from Equifax XXXX and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX XXXX and experian stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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