vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent certified letters to XXXX, XXXX, and Experian that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to Experian and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.

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 2023-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have an XXXX account with Optum Bank, which was offered through my employer. I separated from my employer late XXXX and had upcoming medical procedures to be completed, so I needed the funds. I called Optum to cancel the XXXX investment portion in mutual funds and spoke with their representative. The rep said she put the order in and their back office would work on it over the next week. I waited a week and nothing happened, so I called back. The next representative said that I had to liquidate the mutual funds myself online and walked me through the process. The funds were liquidated and transferred back to my XXXX account after another week of waiting. Then, the funds were automatically transferred back to the mutual funds, invested, and Optum Bank charged me fees. The prior representative never informed me that the funds would be transferred back, nor advised if I needed to do anything further regarding the auto transfer process. I was clear with Optum that I needed the funds for a medical procedure and that I no longer wanted the investment account. Yet their system still transferred the funds back, churning my money so they can charge fees. This is an extremely deceitful and deceptive practice. I am requesting that all fees be refunded and my assets be fully restored to their original balance as of the time of my original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Unrecognizable inquiry appears on Equifax credit report for XXXX XXXX and EQUIFAX MORTGAGE SER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-04 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:
I'm writing to request the removal of an unauthorized credit report account from my credit report. I noticed the unauthorized account listed below after receiving a copy of my credit report from your bureau. Attached are the companies names and dates.

I have contacted Transunion and requested that they remove the account from my credit report as it was unauthorized. The account was deleted. I checked my report again and noticed the account was readded. I did not receive a letter from Transunion stating they would add this account back to my report.

Under code 15 USC 1681 b permissible purpose. It is illegal for companies and credit bureaus to report on my report if I didnt provide written consent to the bureaus to report anything or to continue reporting. This is identity theft.

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 2023-05-04 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: EQUIFAX, INC.
State: IL

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 XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IL

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 XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened a loan with XXXX for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: DE

Complaint narrative:
I have had close to {$1000.00} deducted from my account ( Cash App ) which they tell me is for errors however they keep taking {$100.00}, {$200.00} and today {$400.00} ... they refuse to investigate my account and hang up on me when i get through. 
They have stolen money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I do not recall ever having this account/ Identity Theft

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 2023-05-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I do not recall ever having this account/ Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A revised tax bill was issued by my county on XX/XX/XXXX. Chase paid the incorrect ( old ) amount from our escrow account on XX/XX/XXXX. I have contacted the county by telephone and confirmed that Chase is responsible for retrieving the bill from the online system based on the parcel number. They did not do this prior to disbursing the wrong amount. The incorrect payment was rejected by the county and left unpaid. On XX/XX/XXXX I called to inquire why the corrected tax bill had still not yet been paid since there was no escrow shortage. I was simply told someone would investigate it. On XX/XX/XXXX I followed up with XXXX in the tax department and was assured that this would be corrected before the delinquency date of XX/XX/XXXX. To ensure Chase had the correct amount, I also uploaded the new tax bill into the secure documents center online. On Tuesday XX/XX/XXXX I contacted XXXX again for an update and she had no new information. I let her know the amount due now includes a late fees and penalties. XXXX seemed very inconvenienced by my concerns and insisted the department handling my issue was a non-touch department that I was not permitted to communicate with. I requested her to escalate the issue. On XX/XX/XXXX I uploaded the Error Resolution Notice under 12 C.F.R. 1024.35 to the Chase secure documents center describing the issue and what needed to be done. On XX/XX/XXXX I called again and spoke with XXXX who advised me any late fees and penalties would actually paid from my escrow account as it is the mortgagor 's responsibility to send over the tax bill to Chase. I reminded her that this tax bill was sent over prior to the delinquency date on XX/XX/XXXX but Chase did not to pay on time. Eventually I was transferred to XXXX XXXX who assured me she would have this resolved and call me back by end of business XX/XX/XXXX. As of today XX/XX/XXXX, the correct amount of the delinquent tax bill has still not been paid and no one from Chase has attempted to contact us. I tried to call and speak with XXXX XXXX but XXXX said no one from the supervisor department is available and all she could do is submit yet another request for follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: CA

Complaint narrative:
On XX/XX/XXXX I entered dispute with experian about, XXXX XXXX XXXX XXXX, derogatory remarks on credit report, in accurate days late not being consistent, XXXX XXXX thru multiple months being reported as 30 days late, then 60 days late for multiple months, I would like this removed off my credit report as it is reporting new charge off and delinquent status as of 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
Consumer complaint received 2023-05-04 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi I opened a Capital one 360 Savings account on XXXX XX/XX/2022. I invested {$100000.00} so I would qualify under the XXXX promotion, which I received notice of through my credit card account. 

The promotion clearly stated that you had to invest the money within 15 days of opening. I opened an account and the account was funded the following day. It stated you had to leave it for 90 days and then up to 60 days after the 90 days, you would receive the bonus. There was no mention of having to wait 15 days before the 90 days to start. If this was the case- unless you are deliberately trying to mislead and scam people why wasnt this clearly stated in the same line as you have to leave the money deposited for 90 days. Additionally I did review the alleged fine print, there was no mention of this. 

I have attached a copy of the XXXX promotion I received. 

On XX/XX/XXXX after approx. 94 days I transferred the money into a Capital one CD ( and even added to it ), so obviously I didnt need the money. If I had known I had to wait approx. 8 more days to receive, dont you think I would have? 

On XX/XX/XXXX I called Capital One, as more than the required time had passed and I had not received the {$1000.00}. I was informed I didnt qualify as I hadnt waited long enough. 

Eventually, after being told this repeatedly by a Customer Service Rep who didnt seem to understand what I was saying, I was put through to a specialist who was sympathetic to my request and appeared optimistic, but said she did not have the authority to authorize the {$1000.00} and that she would escalate it and I would get a response within 2 weeks Case Ref : Ref : XXXX On XX/XX/XXXX I received an email stating that the time required was actually 15+90+60 days and my request was denied. This was definitely not clear at all. I notice Capital One has changed/clarified the requirements in place for their latest promotions, but this was not the case in the XXXX promotion. 

I dont feel I should be penalized for Capital One trying to mislead/scam me. Of course I cant even withdraw my money in protest at the way I have been treated, as this would mean giving Capital one several thousand dollars in early withdrawal penalties. There is little point in even giving them a bad review, as apparently I have already been beaten to it. Capital One had 1.5 XXXX rating and a 1.0 XXXX XXXX rating, so I guess they dont care. 

I am retired so this a way of generating income. 

This transaction was made in good faith and I believe they deliberately and knowingly gave misleading and incorrect information, especially as I did not withdraw this money, I in fact, added to it and transferred it to a CD account with Capitol One. 

Why would I have moved this money into a CD on XX/XX/XXXX, if I had known I had to wait until XX/XX/XXXX ( the qualifying date according to Capital One ) to receive the {$1000.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express did not apply the credits the payments I made and the refunds to my balance due on XXXX XXXX XXXX. I have an American Express Gold card.I 'm a secondary cardholder. I don't know what I owe because my online account with American Express doesn't show my correct balance. I called American Express customer service XXXX XXXX XXXX And they claimed they'd update my balance but it's still not updated. Thanks Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation