vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
In early XXXX, Optum Bank, the custodian for my Health Savings Account, advised that my debit card ( to expire in 2027 ) would need to be replaced by the end of XXXX with a card being sent to me. After the card didn't arrive, I established that Optum had a dated apartment number for me, in my current building. I updated the address online and requested another card be sent, which was to arrive in 7 to 10 business days. This began a sequence now involving 4 requests for resending of cards that did not arrive. Each time, I called and was told that the send was initiated, and each time, no card. Yesterday, on XXXX XXXX, I called and demanded that a card be expedited to me by an overnight service that would track the mailing. I was told that this time, it would be received within 3 to 5 business day, but that no tracking option was available. So I don't know whether it will arrive or not. 
My complaint is : Optum insisted on replacing a card that did not need replacing, it terminated the former card within an abrupt period of time, it repeatedly failed to get a replacement card to me, and it incompetently can not track its own expedited mailings. 
It is not a worthy financial institution to be administering Health Savings Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: GA

Complaint narrative:
So I didnt know that there was even a debt because the way that they set up the loan they make you pay everything ahead so they wrote off XXXX and some dollars worth of a debt and they left left {$50.00} on the deck, but there was only two payments left and they were like XXXX bucks or something so realistically they didnt lose any money and I saw that it was reporting to my credit for {$51.00} so I sent them a check for XXXX I notify them that they got the check. I got proof that they cashed the check but they have not reflected on my account that it was paid nor have they remove the account off of my collections and credit bureaus because they agreed that if I paid the {$51.00} that they remove the collection of my account. They never have done this and its been over 30 days.

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 2023-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have been trying to use my Amex e-card gift card online for the past several months. I have talk to the customer service reps and used your web site to try to resolve this problem. Telling me to find a retailer who accepts this card was your advice. What a joke! No one takes it. XXXX, XXXX, XXXX XXXX, and many more declined it. I was issued this card as a refund from a warranty on a product. I would like a total refund of my XXXX plus dollars. This is down right theft as I can not use the e-card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I didn't have this vehicle with Ally and they told me it would not be on my credit report when I called and they lied. This is Fraud and Identity Theft and I need something done immediately. I have been fighting with the Bureaus and nothing. Also the bankryptcy does not suppose to report and this is from a 3rd Party. I spoke with my attorney and they stated I can sue!

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 2023-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
JC Penny credit card I have promotional rates in some purchases, but everytime that I buy something new without a promotional, all my payments goes directly to pay my promotional balances, and I need to call all the time to Alocate the payment to the none promotional, in other words, JC Penny, always alocated my payments on my balance with 0 % interest, so the balace with interes start accumulate. 
Not sure if exists a rule that they need to put my payment on the high interest first then the 0 %?

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
To Whom It May Concern, I am writing to you in connection with the corporate account XXXX associated with XXXX XXXX, for which I am listed as a contact or representative. I recently came to learn that there may be an understanding or implication that I am personally liable for this account. I would like to formally clarify the nature of my association with this account. 

I wish to state unequivocally that at no point in time have I personally guaranteed or agreed to be personally liable for any debts, obligations, or responsibilities associated with this corporate account. Any agreement or contract made with XXXX XXXX should be entirely under its corporate entity and should not extend to its individual officers, directors, or employees in their personal capacity, unless explicitly agreed upon. 

If there has been any oversight or misunderstanding in this matter, I kindly request that it be rectified immediately. I also request any documentation or evidence you might have that suggests personal liability on my part. If such documentation exists, please share it with me at the earliest so I can review and take necessary action. If no such documentation exists, please confirm in writing that there is no personal liability attached to me for the aforementioned account. 

I value the business relationship XXXX XXXX has with Toyota Financial Services and hope to resolve this matter promptly and amicably. Your understanding and cooperation in this matter are highly appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: AL

Complaint narrative:
I used a buy now pay later feature on XXXX website, a gun retailer, to purchase a firearm that is approximately XXXX dollars in value, TO DATE, I have paid in excess of XXXX dollars towards this purchase, which as show in the pictures I submitted was market to me as 0 % APR, theres even an item on the contract, the XXXX XXXX XXXXXXXX, that I neither received or bought in the first place. Not to mention the sneaky practice of passing my debt to a completely random 3rd party ( Monterey ) when my initial purchase was through XXXX. This is a very shady business thats already been sued for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I purchased a Washer and Dryer from XXXX on XX/XX/2023. I purchased appliance installation on both units, as well as old device haul away for the dryer. XXXX sub-contracts delivery and installation to a company called XXXX XXXX. The date of delivery came and the delivery went smoothly, however the company removed from my home my old dryer ( like I paid for ) but also took my old washer ( specifically did not ). This washer was almost brand new as we had just purchased the home and was replaced by the previous owner. I was not home for the delivery. They also were unable to install either appliance and had me schedule a plumber and electrician to come out with no assistance. The two services that were added onto the purchase were both not fulfilled in the manner they should have. I reached out to XXXX immediately and they said they had already disposed of my working washer that they should not have removed. I got on a XXXX live chat and they said they would solve it with XXXX. I reached out to XXXX again and they said that my issue was with XXXX and they would not be able to provide any further assitance. I got on another live chat with XXXX and they said they would investigate how to get my washer back from XXXX even though it was disposed of. XXXX then said that it was an issue for XXXX to handle internally and they would provide me with an update. Needless to say, both companies want to push the blame onto each other and are leaving me with no resolution. I then contacted Chase as I paid using my card in case anything like this went wrong. I know I have a disputable case as XXXX has clearly not provided the services that were purchased, and have not taken accoutability for the taken property ( washer ). Chase said the original transaction was valid ( I don't disagree ) and there is nothing they can do. I re-opened the dispute as they offer dispute options for services/products not received/as advertised, and again Chase sided with XXXX saying that I willingly chose to purchase and that the original transaction was valid. 
My purchase total was {$1200.00} and my card processed the transaction on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
All the documents pertaining to this file have been attached. Citizens unilaterally canceled a loan modification that was fully executed by both parties. They can provide no written notification to cancel the modification as required by their own Addendum to the Loan Modification entitled, 'Notice of No Oral Agreements. ' After a long drawn out back and forth, we agreed to restart the loan modification process with Citizens ' Loss Mitigation Department. The agreement is currently in process. Payments per the agreement have been made in a timely manner. As of today, Citizens has not canceled the Sale Date of the Foreclosure and it remains on the record as XX/XX/2023. We have contaced the Trustee and they informed us that on the date of sale that they would call Citizens to get information on whether they are postponing, canceling, or closing our file. As we have absolutely no trust that Citizens will do as they have agreed upon with us, I would like written confirmation that they are not going to sell our house on XX/XX/2023 while we are in process and following their requirements for the new loan modification. Nothing they have done to date gives us any faith that they are going to meet their own requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-09-12 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: LEXISNEXIS
State: TX

Complaint narrative:
My Identity has been stolen and several accounts have been opened in my name. I have submitted several disputes but these accounts are still on my report after I have submitted a police report and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. I have mailed out letters to Equifax to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. I've also sent them a copy of my XXXX credit report which shows the date that account is to be removed from my profile. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " 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 ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: PA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

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 2023-09-12 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: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-12 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is reporting a balance on a charged off account they have sold to a collection agency. Who is also trying to get a balance. I have asked for validation of the debt which I have not received. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-12 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: OH

Complaint narrative:
XXXX XXXX keep reporting negatively on several months of the loan after it was settled i am wanting this account deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
Yes I learned that my mortgage company united wholesale mortgage company. Put me in a forbearance program in XXXX without my knowledge or consent and signed the documents without my knowledge or consent. I have been making my payments on this loan with them since my last refinance since XXXX. I want to file a criminal complaint because I did not need a forbearance program because I never had trouble making my mortgage payments during the height of XXXX. When I asked the company why i was in forbearance program, she said because of covid. During covid I did not have any trouble making my payments as i have been retired since XXXX from the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRB-40, LLC
State: AZ

Complaint narrative:
One of my payday loans is listed on XXXX as XXXX and closed, written off. It was sold in XXXX to another company & XXXX is not showing that. I paid that company in full of XXXX with all the interest in XXXX of this year. The company gave me a letter of confirmation stating it is paid in full. It has all the info on it from the original company and the account # which matches XXXX 's info. I submitted it to XXXX dozens of times and they still refuse to list it as paid in full. Ive talked to them over the phone and they say the company has to call them. I told XXXX it was sold to another company and gave them the name & they finally listed it on the website but still didnt show it as paid. Ive called the company several times and they said they have called them. XXXX and XXXX have it listed as paid in full. I had to resubmit my other bills with XXXX many times over XXXX months to finally get them to list all of my other bills that Ive paid in full. It was like pulling teeth with them. They refused to let me talk to a manager or supervisor. They said someone would call me & they never did. Im trying to qualify for an apartment now & need this fixed. Its been since XXXX of 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 2023-09-12 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: TX

Complaint narrative:
My Identity has been stolen and several accounts have been opened in my name. I have submitted several disputes but these accounts are still on my report after I have submitted a police report and identity theft 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