vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
have sent official bank closure letter signed dated and with identification all provided. My attorney looked over it before it was sent. 

Optum bank has refused to close my XXXX account and mail me a check for my balance as indicated. It has been no less than 3 calendar months of attempts to get resolution, but still nothing. 

Please help me get my money! Shadiest financial institution I have ever encountered!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I looked on my online bank checking account at First National Bank and saw on XXXX a direct deposit of {$7100.00} to my account from my insurance company for a claim of damage to my roof. It was in the afternoon on that day. Then on XXXX during the afternoon I transferred {$4000.00} to my savings account of the same bank. On XXXX I looked on line again and surprisingly saw a Line of Credit of {$2000.00} from the bank saying I owe that money for arrears in my account. I talked to a supervisor, XXXX ( last name unknown ) and asked why was the Line of credit issued. He told me the {$7100.00} was posted on XXXX not the XXXX. I told him I saw {$7100.00} was direct deposit on line on the XXXX and that's why I transferred {$4000.00} on the XXXX. I asked him why did they move the direct deposit from the XXXX of XXXX to the XXXX of XXXX three days later? He did not give me an honest answer because he wanted me to believe that the amount took a few days to be posted, but I kept telling him " I looked on line and the deposit was on the XXXX and how could I see that and know I could transfer money on the XXXX ''. He would not accept the fact it was deposited on the XXXX, nor resolve anything with me and said I had no recourse that it was either employee error or a glitch in their computers. I would like to be reimbursed my {$2000.00} I had to clear for their Line of Credit they charged me wrongfully, and not admitting a glitch in their computers or employee error. I can not pay {$2000.00} for their mistakes.

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 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : XXXX XXXX XXXX XXXX XXXX 2 : NAVY FEDERAL CREDIT UNION 3 : XXXX XXXX : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I opened an account with Genesis ( XXXX ) when I purchased a bed set from XXXX XXXX in XXXX. In XX/XX/XXXX the account was charged off and sold. My credit bureau says the account is owned by XXXX. The phone number provided led back to Genesis. 

I have contacted Genesis several times since XXXX of XXXX to get information on my account so that I can settle it. In every instance, Genesis has told me they are unable to provide information regarding whom the debt was sold to, leaving me no way to pay back or settle this account. 

I am at a loss for what to do to resolve this account and improve/repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Personal information was found compromised. I recently discovered that someone had opened an account with XXXX XXXX under my name. Below is the account info : Experian Report number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Current Balance : {$8200.00} My personal info was found in a data breach with XXXX XXXX XXXX. 
Filed a report with the Federal Trade Commission Report # XXXX This violated my rights under the FCRA 15 U.S.C 1681 605B.Block of information resulting from identity theft 605B - 15 U.S.C. 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
They had it as I was staying their on campus and I never did. I lived in XXXX XXXX  until XXXX and then moved to XXXX  in XXXX also, XXXX just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, 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:
In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXXDELETED dated on XX/XX/2022 In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXX I, XXXX XXXX XXXX XXXX, am demanding TransUnion LLC to DELETE XXXX XXXX from my Consumer Report immediately as it is inaccurate information. 

For any noncompliance, TransUnion LLC will be fined pursuant to 15 USC 1681n, 15 USC 1681o with Prejudice!

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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Continued threats of legal action for a debt they will not specify. Asked for proof and clarification multiple times, asked them to not communicate with me and further until they've done so, and made clear I would file for harassment if they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NC

Complaint narrative:
I opened my Discover Secured Credit Card in XXXX and around XXXX or XXXX of XXXX, Discovers automated systems raised my credit limit and graduated me from a secured card to an unsecured card. Discover claims that in the automated email, they would refund me for my security deposit and that I would receive it in a timely manner. It has been 5 months since Ive graduated and Ive made countless phone calls to Discovers customer service team about my security deposit being refunded and every time, I was given a different date, false information and promised call backs. As of writing this complaint, I was supposed to receive one today but I never received it. During the time Ive been speaking to Discover, they first sent out two checks, claiming to be in a blank envelope for security purposes and neither one of those two envelopes arrived this can be confirmed via USPSs Informed Delivery feature as well as the fact that I have received billing statements from Discover in the mail, without issues. Third time I had a call with Discover, they claimed that they were going to do a ACH to my bank account. I called back and forth with Discover for additional information and each time, they keep changing the dates. This has been a ongoing issue ever since Ive graduated from a secured card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-09-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} 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 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 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Department of Education has many old invalid XXXX XXXX applications, the applications I could not fully fill out due to the Department of Educations online errors and only being able to upload a total of XXXX XXXX  to the XXXX XXXX site. So, I applied for XXXX XXXX via certified mail, which was returned and signed by the Department of Education in XX/XX/2002. This Borrowers application I have noted in several areas, from letters to the White House to the CFPB. I even asked when this application would be processed or if they had received it by phone, and they said they have it but arent sure when it will be processed. I have all of my phone audio with this company on voice recorder so I can back up that they have all of this information, BUT there isnt a pending application review on my FSA site ( see attached ). This leads me to believe that the Department of Education will try again to XXXX me out of what I am entitled to, complete forgiveness of my school loans from a for-profit school. CFPB complaint XXXX shows all the attachments I sent by mail for Borrowers Application. ( see attached for reference )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new checking account with Citi bank who had a promotion for {$750.00} bonus if deposited {$100000.00} for 60 consecutive days. I opened account and when I got the ATM card in mail deposited $ XXXX ... unfortunately Citi put in their system it was only XXXX. After weeks of trying to figure out what happened i deposited another XXXX for a total of XXXX. I left in there for at least 6 months waiting for bonus. Citi then told me they did not get the minimum deposit withing 20 days of opening so I do not qualify. The entire error was their fault and they dont want to give me my bonus.

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 2022-09-13 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: CA

Complaint narrative:
I have been a victim of identity theft and someone has used my information to open an account with " XXXX XXXX '' on XX/XX/2011 without my knowledge and without my authorization.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Pending Company Match
State: MO

Complaint narrative:
They had it as I was staying their on campus and I never did. I lived in XXXX XXXX until XXXX and then moved to XXXX in XXXX also, Im just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I recieved this letter in the mail on the date of XX/XX/2022 in the account number is XXXX the XXXX  account number is XXXX its says balance due is XXXX this isnt something that I have any knowlodge of please give me a call at XXXX so this matter can get handle thanks.

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 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} 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 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 2022-09-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} 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 explanation
Consumer complaint received 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Over a period of 12 days there were seven fraudulent XXXX transactions that completely drained my account ( {$8300.00} ). I called Bank of America to report it but they said it was XXXX 's problem and all they can do is record it. I called XXXX and they don't even have an option to talk to someone if you use their service through a bank. The bank reversed the overdraft fees incurred but said the {$8300.00} is out of their hands ... and now continue to charge me overdraft fees ... .but I can't put money in my account or it will be stolen.

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