vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
XXXX/OPPLOANS is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX/OPPLOANS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX/OPPLOANS ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX/OPPLOANS can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX/OPPLOANS for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX/OPPLOANS is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX/OPPLOANS has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXOPPLOANS terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of XXXX/OPPLOANS nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have not had access to my account since XX/XX/XXXX. I can not see any bank balance, transactions and i am completely locked out of my account. I was told i would receive a call back by XX/XX/XXXX and never received a call. I called today to see if i could log in and it has gotten worse to the point i am locked out of my account information and still have no access. I called Ally at XXXXmst and there is a 30mn wait for customer serive. No answer. I then sent a follow up chat which is an additional 1+ hour wait. I need access to my finances as i have bills due and can not access this account. Please help to make this right! I dont know what else to do!

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 2024-03-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I contacted credit karma to verify some answers to questions I had, see attached screenshots of the conversation with credit karma! They are perjuring themselves as well as potentially giving inaccurate information/scores etc that they don't even know themselves whether it's accurate ( see attached ) can you tell me what kind of attorney would I contact to file a civil law suit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Charged a penalty interest of 29.99 % since XX/XX/XXXX due to a late payment. I called and explained the situation, late payment was removed. I paid the balance monthly on time, on reassessment of penalty APR at 6 months, it was supposed to be removed. I was told it remained in place because the principal balance was not paid however my statement balances have been paid. I called in XX/XX/XXXX and they removed the APR. A rep told me they apologized it remained too long and they would investigate and adjust my account. No one called me back, I received no notification via email about outcomes but was told I would know in 10-15 days. I called back XXXX and was told they denied it and also denied reducing my current APR. I called back to speak with another rep the same week. They opened another case and I spoke with a supervisor that told me they did not remove it because I didnt pay the full balance and that the back office that made the determination did not have a phone number for me to contact them and that they could only read the determination. They also said emails would be re-sent to me once the case opened and the determination was made but I received nothing. To this day, no supervisor followed up and I have no documentation and the interest continues to accrue. I told them I would withhold payment until this case is reviewed and fixed and they kept saying you're on a recorded line and documented I would not pay until it is resolved. I still paid the bill and its still no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-03-13 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: IL

Complaint narrative:
I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.

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 2024-03-13 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: IL

Complaint narrative:
XXXX is posting false information on my Consumer profile without being 100 percent accurate they are Commiting forgery of a furnished who's not participating in the credit Reporting Act I have asked several times for a reinvestigation to post accurate information on my Consumer profile and they have yet to do so which is hindering me from other opportunities

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 2024-03-13 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: NC

Complaint narrative:
XXXX, XXXX and Experian are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.

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 2024-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
My daughter sent an application to lease an apartment in XXXX XXXX California. My daughter is a student at XXXX XXXX XXXX. She accidently applied to an apartment complex in XXXX XXXX Texas instead of California. The apartment complex is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am a Cosigner for my daughter 's lease. We have attempted to communicate with the property management company the very next day after we sent the lease agreement to cancel the lease. The property manager said he will talk to the management and they will take care of this problem. We have phone calls, proof of communication, and emails to the property management company to void the lease. They ignored us. 

We also had our attorney, XXXX XXXX, contact the property management and collection company. They also ignored his communications. Please see attached proof of communication.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, 4 fraudulent charges were made to my credit card. Wells Fargo contacted me and asked if I recognized these charges, and I told them I did not. They then attempted to address the issue. These fraud charges were for XXXX, XXXX, XXXX, and XXXX. Wells Fargo then credited XXXX, XXXX, and XXXX to my account, missing the XXXX fraud charge. Shortly after that, a second instance of XXXX and XXXX appeared on my transaction history. This totals to XXXX in net charges that I did not make. 

I have had 4 phone calls and 1 in-person visit with Wells Fargo . 
XX/XX/XXXX Phone XX/XX/XXXX Phone XX/XX/XXXX Phone XX/XX/XXXX In Person ( Visited Branch ) XX/XX/XXXX Phone They originally closed the fraud claim and decided the disputed charges were valid and appeared authorized by me due to card-present ( emv/tap ). Since then, I have faxed my GPS history showing me XXXX hours away from the transaction locations for XX/XX/XXXX. They currently claim to have the Fraud Claim reopened.

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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a loan for a vehicle that I did not authorize. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Account info @ XXXX XXXX XXXX XXXX XXXX My balance of {$4400.00} has been sitting on my account since XX/XX/2024. 
I have attempted to get a refund and close the account. Venmo has been unable to transfer it to my debit card or previously on file checking account. 

Therefore I requested a check refund in the amount of {$4400.00} to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Once the refund is made I requested the account to be closed. 

This still has not been done even though their supervisor has been promised it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I made calls to Chase on XX/XX/XXXX and XXXX because I can't send a XXXX  payment to XXXX XXXX XXXX after several attempts. They would lock my account every time and I have to call for them to unlock and asked several security questions. I did this for approximately 10 times.

I requested them for a new debit card because I don't have an active debit card but they will not send me. 

Then on XXXX XXXX, I made a wire transfer to my daughter after her account was verified, my daughter 's name is XXXX XXXX XXXX. Every time I initiate a wire transfer online, they would lock my account then I have to call them to unlock my online banking and every time, I would go through a series of security questions and did this numerous times and they advised to do other way to get my funds like checks. So I ordered for books of checks mailed to my address in the XXXX and I got it after over a month. I ordered on XX/XX/2024. So, I issued a check to my daughter XXXX XXXX XXXX and she deposited it to her bank. It cleared on my Chase account but they reversed it. They put it back to my account saying it was a bad check. 

On XXXX XXXX, I also XXXX  XXXX XXXX but they also locked my account and I called several times after to unlock my account and still they did not allow the transfer. They would lock my account every time. 

It's getting so so hard to transact with Chase. I need to access my funds for my daily needs. Although, they are protecting me against fraud, it has affected me terribly because I can not get access to my funds. Despite the fact that they advised me to do wire transfer or issue a personal check, still they are not releasing my funds despite that I am able to pass their security questions. 

Please help me with my dire situation. 

I called them so many times from XXXX, XXXX through XX/XX/XXXX that I already got tired of calling them and all I am dealing with is their system, Even the supervisor can not help me because it's their system deciding my case. I am getting helpless that's why I am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct the Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts listed below are needs attention in my credit reports. 
XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}

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 2024-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct the Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts listed below are needs attention in my credit reports. 
XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased a couch from XXXX XXXX XXXX on XX/XX/XXXX, we were given a delivery window of 2-3 weeks. We called during our 2-3 week window to know when to expect delivery and only got to speak with the receptionist who said XXXX would call us back. We never received any phone calls. After the window I reported the balance to XXXX ( XXXX ) to dispute the charge because we couldnt get a response from the merchant and now wanted to cancel the purchase. We were also getting charged before the product was ever delivered. XXXX responded to Synchrony after the dispute was filed stating he attempted deliver which was a lie and that the delivery window was 4 weeks also a lie. then we also discovered he fraudulently acquired my signature on the receipt he provided by trying to hide the return policy my receipt does not have a signature on it because he did not inform me I was signing anything of the sort only my synchrony agreement. Hiding a return policy and not showing it or informing customers of all sales final is fraud. I was not shown the screen he was having me sign just given a signature pad. Synchrony bank will not give me an actual reason for not disputing my charge when I do not have the merchandise and he did not have the merchandise in the given delivery window there for contract is void. And not delivery attempt was made. The first employee with Synchrony I disputed with also told me to refuse the delivery if it was attempted which it never was. This was also reported to the XXXX and they did not receive a response from XXXX. And based off his reviews he has dome this to other customers. The dispute was filed XX/XX/XXXX originally it is currently in dispute.

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 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
This is a complaint about yet another case where Optum Bank effectively disregarded a CFPB complaint by providing a non-answer to clearly worded, legitimate question involving an issue that is impacting thousands of their customers. Instead of fixing an obvious programming error, the Optum Bank representative made false and misleading claims in their response, then closed the complaint. ( See complaint # XXXX. ) In response to an email from the Optum Bank rep, the complainant asked for the representative to call him to discuss the complaint to clarify the issue. No call was received. The complainant asked for the phone number of the representative but she did not respond to the request for a phone number at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to raise my score on my Transunion account for years. Of my three scores this one is always the lowest. 
I recently requested a credit report from XXXX along with my three scores. 
I disputed several items on my Transunion account. 
I have requested old accounts to be deleted. 
Transunion is intentionally discriminating against XXXX and XXXX  people. 
Their score is always significantly lower than the other two for no reason at all whatsoever. 
If the other two bureaus can at least be on the same page with how they summarize or tally a credit score then why is Transunion 's report always completed off or low or different?

Are they not a credit bureau as the other two bureaus? 
This is illegal and discrimination. I am sick and tired of the agency and want them investigated. 

Thanks, 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