vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a JCPenney store account charge card that had expired, and in order to receive the purchase discount, the cashier said I needed to re-apply for the account. Nothing was ever disclosed about it being XXXX with 34.99 % instead of just a store revolving 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 explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 2024-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood closed my Investment Account. Account No. ( XXXX ) XXXX. They closed all trading positions and returned {$100.00} of my funds. However, there is still {$170.00} remaining in the account. 
I contacted Robinhood and they informed me that I would need to " upload '' my bank statements to their site to confirm funds. I contacted my bank and obtained such bank statements, however, Robinhood 's instructions are not actionable in their phone app or their desktop application. Perhaps it is because my account is closed.

I have repeatedly contacted Robinhood for updated instructions or other way to upload my bank statements to close the account, but have been sent duplicate erroneous instructions, and therefore I have been unable to upload the information requested. 
I'm perfectly willing to provide Robinhood any information they require, however, they are not assisting in an actionable way to finalize this matter. They keep sending me emails that do not resolve the issue in any way, and it is frustrating that they do not even know their own app enough to solve and finalize this small issue. 
Please help! Any assistance from CFPB would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: NY

Complaint narrative:
I have accounts that are listed on my credit report that are not mine and were never initiated by me at any given point. These accounts are a result of identity theft and NEED TO BE REMOVED EFFECTIVE IMMEDIATELY. I am aware of my rights under section 605b and according to 15 USC 1681a2 I did not give permission for these fraudulent accounts to be furnished on my credit report, therefore TransUnion is in violation of the fair credit reporting act under section 605b and 15 USC 1681a2.

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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently discovered that on XX/XX/year> Midland Credit Management, a debt buyer, accessed my XXXX credit report without my consent after I had informed them in writing on XX/XX/year> to stop contacting me and that I did not consent to giving them my personal information or to enter in to any type of contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
I hold a health savings account with Optum Bank. As part of the product offering, I am able to direct my funds into mutual funds investments offered by third party providers and administered by Optum Bank. 

Over the course of my time having this account, I have been invested in accounts with expense ratios of between XXXX XXXX and XXXX XXXX with XXXX. These expense ratios charged by XXXX are quoted as a percentage of the invested amount and charged annually. However, Optum Bank has been charging XXXX XXXX XXXX % as a monthly rate and deducting monthly. As an example, the most recent charge on my account was on XX/XX/XXXX and on a balance of {$13000.00} with a fee of XXXX XXXX, I was charged {$4.00}. If the XXXX XXXX number had been divided by XXXX to convert the annual fee rate to a monthly one, then I should have been charged by a factor of XXXX XXXX and should have been charged {$0.00}. 

Indeed, in the prospectus for my XXXX mutual funds, XXXX provides examples of the annual expense ratio fees that will be charged on certain hypothetical amounts. On a hypothetical {$10000.00} account, I should pay {$4.00} annually in fees. Under Optum Banks fee deduction, I would instead pay {$48.00} annually on that hypothetical portfolio.

This bank, Optum Bank, is overcharging me and probably other customers on expense ratios in a manner not consistent with the prospectus provided by the mutual fund provider. 

On my online account, I am able to observe transactions back to XX/XX/XXXX and this incorrect charging of fees dates back till at least then. I have been overcharged by XXXX times the correct amount for every month going back to at least XX/XX/XXXX. I have had this account since XX/XX/XXXX, so it is reasonable to believe that overcharging dates back to then in my case. 

I attach an example of this charging scheme from the most recent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a letter from the IRS earlier in XXXX ( around the XXXX ) stating that I owed them money due to only receiving XXXX estimated tax payments. I had sent XXXX so I called them immediately, While they were checking into it, I pulled up the cancelled IRS payment that I sent on XX/XX/XXXX and that had cleared on the XXXX XXXX XXXX, to be able to prove they received the funds as the check had cleared my account. In pulling up the check image, I discovered that the check I had written was not the check that I had mailed. The cleared check was a clearly fraudulent check, when you matched it to every other check I had written on this account. So I called Wells Fargo to report the fraud. I received a letter from them a number of days later stating that they have researched the unauthorized transaction paid on my account, but they could not reimburse me because too much time passed before I contacted them about the fraud. I called them again and eventually received a call from XXXX on XX/XX/XXXX from the fraud department who informed me that while they did determine fraud occurred, they can not return my {$7500.00} because I need to check the statement and report fraud within 30 days. I DO check my statements every month. However, by " statement '' I assumed it was the actual bank statement they were referring to, and since the check had cleared on the statement, I had no reason to suspect fraud. Apparently, they mean that you have to pull up all the check statements, but that has never been explicitly stated. As we bailed out Wells Fargo with XXXX XXXX dollars of our tax money, it is shocking to me that they do not protect the customers they serve, whose money helped to bail them out.

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 2024-06-03 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/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 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-03 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Bottom-line up front : I just want Chase Credit Card Company to reapply my original 12 months 0 % as we agreed. If this doesn't occur my family will lose {$750.00} fee and incur $ XXXXmonth interest payment that I can't pay at this time. This will result in {$3900.00} in costs that I can't afford in the XX/XX/XXXXbudget. 

Situation : Transferred {$15000.00} with {$750.00} fee for 12 months 0 %. On the next payment, I submitted an interest savings payment, since no interest was applied to the account the credit card company switched the payment method to " Statement Balance '' payment instead of " minimum payment ''. I didn't have the funds available therefore the payment was not sent by the bank. 

After calling the credit card company they informed me the following : Even though a payment was never received by the credit card company, the amount was applied to the account in advance. Since the payment was systematically applied, the 12 month 0 % was considered paid in full. Now when the bank transaction was never sent nor received, the {$15000.00} was reapplied to the account as a debt of {$15000.00} with interest of 21.99 %. 

Why can the credit card company apply funds to my account in advance without actual funds in hand? 

Why can the credit card company change my payment from " interest savings '' to pay " statement balance ''? Why shouldn't Chase be required to switch the payment to the minimum requirement or just inform me that the payment couldn't be applied since no amount was subject to interest? 

I have paid the monthly minimum payment of {$150.00} and changed my reoccurring payment to " minimum due. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> ive noticed that my Ally bank online bank account ( XXXX ) is locked, and Ally support number to call was provided by email, i've called them immediately, they told me that my account is locked without any explanation and reason. So i've called back second time XXXX hrs on hold, they told me that my account on hold and reason that friend of mine- XXXX XXXX XXXX was filled charge back of XXXX zelle transaction that he was sent on XX/XX/year> thats impossible because XXXX. Ive talked to him and he assured me that he was not charged back any of his XXXX- on XX/XX/year> XXXX. He was sent me XXXX in different Zelles. And hes ready to provide any evidence as needed. Still dont have access for both of my checking and savings accounts at Ally bank. Calls to support not solving the issue and not giving me any information that how I can provide my evidence with XXXX XXXX XXXX. Please let me know if any more information is needed to solve this issue. 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 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and TransUnion are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report 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 2024-06-03 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: TX

Complaint narrative:
XXXX, Experian and XXXX are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report 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 explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX. I AM NOT A 3RD PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THESE NEGATIVE ITEMS BE REMOVED FROM MY CONSUMER REPORT.

I recently discovered that a collection account had been added to my credit report that I have no knowledge of. SEQUIM ASSET SOLUTIONS has unlawfully reported fraudulent accounts that arose from identity theft. My identity has been stolen and. you are hereby put on notice. I am demanding these accounts be DELETED and BLOCKED form my credit profile pursuant to 15 U.S.C. 1681C-2. The Fair Credit reporting Act 15 USC 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies which are found in section 623 of the FCRA, 15 U.S.C. 1681s-2.

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition the furnisher must notify ALL credit reporting agencies that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
I have attached an FTC identity theft report and a Notice to furnishers.

Company response to consumer: Closed with non-monetary relief