vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I am trying to add funds to my HSA account managed by XXXX XXXX  on their mobile app. Twice i've followed the instructions to get my account verified on their app so that i can transfer funds and maximize my contributions before tax day. They sent the funds to my account for me to enter and was presented with many error messages that made no sense such as 'enter @ ' and would not allow me to get the account to transer the money That took 4 days and then had to delete the account and then tried again. They put the XXXX cents into my account and again i entered the amounts and got another message to wait. I exited and then the bank account got deleted. I'm trying a third time, and each time take according to them 1-4 days. the customer care was horrible and no tech support or anyone available. The site is not user friendly, support was horrible, on this issue and costing me {$1500.00} in a tax break because of their awful app. I called them Thursday morning and Saturday morning and no online support either to help with their scenarios.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, Saturday XX/XX/2024, I went to a Bank of America branch in XXXX XXXX, CA on XXXX XXXX XXXX XXXX XXXX XXXX. I was refused services at XXXX in the morning. I was told I needed an appointment and nothing else was available today. Employee in customer service who did not give her name was short and curt. Even though I explained it was a new account I opened and never received my debit card ( I ordered two thus far and needed a third ). There was no sense of urgency or importance. She even let this man jump in front of me in the line. When I called customer service I explained what I needed again and wanted to do it over the phone again services were refused and I was directed to my app. This is fraud. 18 US Code Section 1341 Frauds and Swindles.

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 2024-04-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CT

Complaint narrative:
Dear XXXX XXXX, Equifax, and XXXX, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: CT

Complaint narrative:
Dear XXXX XXXX, XXXX, and Experian, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Bullcity Financial XXXX ( XXXX ) XXXX has threatened to sue and garnish my XXXX wages based on a debt that was owed to a creditor that is no longer in business. Bullcity financial is the fourth entity that has attempted to recover on a debt that does not belong to me and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
demand of removal

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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Never had anything dealing with the Loan. Just not seeing this on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately ( XXXX and Experian ). XXXX has already deleted these items. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me to delete these illegal accounts from my credit reports ( XXXX and Experian ).

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 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received a notice that a charge of {$550.00} had been made to my XXXX account, which I did not make, so I called XXXX and was told they would refund the charge immediately. They took the notification reference and proceeded to take action and transferred me to the refund department. The guy they ask to be allowed to refund the money directly to my bank account. During the refund process, the person said he made a mistake and refunded too much, and I needed to transfer that money back to XXXX. My checking account immediately showed the overpayment on the screen, and since I was in my bank account, my account showed an increase in the overpayment on the screen. The balance on the screen, which I thought was in my actual account, had doubled, showing an increase of {$14000.00}. I sincerely thought the money was in my account because of the screen shot which I wasn't aware of at the time. So, I was asked to wire the XXXX back to XXXX, so I did, thinking I needed to give back the overpayment. 
I was instructed to send the wire transfer to an account in the same bank, so I did, thinking it was legit. 
I filed a claim with Bank of America, but after 60 days of investigation, Bank of America denied my claim, stating that I was at fault and had authorized the payment. So they denied my claim and closed it. Unfortunately, I lost {$14000.00}, which the bank considered. I gave my money to a scammer. The scammer downloaded an application on my desktop so they could see when I was in my bank account. I put a hold on my account for the 60 days they supposedly investigated the scam. The scammer blocked the correspondence I received in my email from the bank on the day of the scam. I didn't receive any message from the bank until several days later, during a search on XXXX I found an email stating they had added the scammer had been added to my list of payees. 
I don't know who this guy. I had never wired money to anyone before this happened.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Can not unfreeze my credit infomation with Equifax. The company won't let me get into my account even after I enter all the information they require. I repeatedly get " temporarily unable to coomplete this request ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, at XXXX, I was alerted by the TD Bank Fraud Dept XXXX via text message that an attempt was made at a TD Bank to withdraw {$500.00} using my debit card. I responded that I did not attempt this. The card was locked immediately following this, I logged into my TD Bank account and saw that four withdraws were made on XX/XX/year>, three of which were at TD Bank ATMs. The total for these withdraws were {$1600.00}. I contacted the fraud department and spoke to someone to dispute these charges. I found that my debit card was missing and was used last at a XXXX. No one has access to my pin number and no one but me lives at my address. I went to the TD Bank after work and received a new debit card, and the person that helped me noticed that the first withdraw was made at that particulate bank, followed by other withdraws in a short period of time. She made notes on this case after our discussion. TD Bank denied the dispute claiming the " transactions appear to be authorized because a valid pin was utilized at the time of the transaction. '' I returned to the TD Bank and once again spoke to the person that helped me originally, who re-entered the dispute after I had asked that someone investigate the camera footage at the three ATMs the person with the debit card used. I also voiced my concern that someone could have utilized technology to obtain the pin information from my card in the time they had it, since the first of these withdraws was made the next day. That dispute was also denied using the same reason they gave the first time. I contacted the fraud department once again on the phone and spoke to someone who once again re-entered the dispute. I asked again about camera footage for the affected ATMs, but was told I would need court documentation in order to obtain that footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
judgement was rendered in XXXX during XXXX. no notices were received or sent to corrected places of residence to me before or after said judgements were ongoing. Received some notices in XXXX but was not aware of who this was from so didn't respond. Bank account was frozen and that was when was notified of judgement of discharged credit card debt. called and made payment arrangements over phone to Receiver and thought that was it. Received another notice with different receiver today with same amount and case number. I am thinking this is fraud and am confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
There is a plethora of banking errors, overcharges, and money being transferred out of my account without my knowledge. I want copies of all transfers and money on hold. 18 US Code Section 1341 Frauds and Swindles.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I should have no debts and all bills paid. 18 US Code Section 1341 Frauds and Swindles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
For my mortgage assistance application, I have repeatedly provided all paystubs for the entirety of 2024 and yet I continue to receive letters from SPS Servicing saying my paystub documents are " missing pages ''. 

This does not make any sense as paystubs are XXXX PAGE documents. I have sent them individually via the process set up on their website and received confirmation emails each and every time. 

SPS continues to hold up my application process and I am being denied my rights for timely action. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I went into America First Credit Union and requested stop payment for 6 different payday loans and two of them still processed. 

I am now - {$570.00} in my account and I need to be refunded. How do I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Account do not belong to me been a victim of identity theft in the passed. I didnt not get an alert from credit bureaus when this account was initiated to be opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Account do not belong to me been a victim of identity theft in the passed. I didnt not get an alert from credit bureaus when this account was initiated to be opened.

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 2024-04-13 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Account do not belong to me been a victim of identity theft in the passed. I didnt not get an alert from credit bureaus when this account was initiated to be opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When it comes to Experian, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX Experian is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX for {$330.00} Account number XXXX XXXX  XXXX  for {$37000.00} COLLEction Account Number 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 2024-04-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :

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