vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
I'm a XXXX from XXXX XXXX XXXX  XXXX XXXX, and I pay my XXXX medical premium payments to Optum Financial, which in turns pays my medical insurance. Optum Financial collects these XXXX medical premiums through a XXXX unit or organization. The website informs consumers that any online payment transaction, by credit card or bank transfer, incurs a {$20.00} processing fee. I use bank transfers from by checking account, which cost Optum Financial nothing. So they are collecting {$240.00} per year to take my monthly medical premium payments. This is a junk a fee, charged by a greedy company, simply because they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My credit builder and my checking account has XXXX in unauthorized charges. I immediately cancelled my cards and contacted the merchant and filed a police report. I filed a dispute charge for each unauthorized transaction. I have been denied 4times by chime. I'm am consulting with an attorney and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from MIDLAND FUNDING LLC. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data.

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I was scammed out of over {$90000.00}

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 2024-01-20 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am Best buy store credit card holder since long time.

Last year on XXXX I found some fraud activities on this card. Some Phone of worth {$270.00} was purchased. 

I reported the same to Best buy ( card issuer ) and CITI Bank ( card company ) and they asked me to File a case with Police as well which I diid. 
Best buy case : XXXX Police Case : XXXX I have gone to store multiple times to get video footage but they never shared with me. 
Police Officer called me and discussed everything and told me you are the victim and a fraud happened with you. 
I shared all these details to CITI Security team but they sent me letter that they don't see any Fraud happened and you are responsible for the payments. They asked me to provide addtional info to further investigate it. 

I asked CITI back to provide me detail investigation report which they never shared. 
I asked them that IMEI number showing on Receipt can be tracked and that could lead the case which they never went forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.

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 2024-01-20 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: NJ

Complaint narrative:
I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest Credit Systems is reporting false info on my credit report. I have never had a XXXX account. Apparently the account was opened XX/XX/XXXX. I have been with XXXX XXXX XXXX since XXXX. I would like this collection removed immediately not to mention my name is XXXX not XXXX. This account is not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
For the past few months I have been making large lump sum payments to pay off the loan early. Every time I call and begin to ask about my daily accrued interest the representative hangs up on me and I have to call back. Ive asked my last few payments to go towards the principal interest of the vehicle and they advise me that the company will first apply the payment towards interest that is owed and then the remaining balance will go towards the principal. The following day when I check the Westlake Financial App it shows that my payment had not gone towards the principal balance. Instead it has gone towards unknown fees. I would have to call back again and ask that the payment applied been reversed so that it would go towards interest and principal fees instead. Most representatives would hang up on me when making this request so I would have to invest hours of my day in resolving this issue. 
Once the payment reverses I had called to ask about the remaining balance and costs and every representative says they can not give me a direct answer. When I received a payoff letter it shows that Ive had a balloon payment towards interest. The system that Westlake Financial uses excluded some interest fees along the way and now that I am looking to pay off the remaining balance they have a large balance of interest that theyre forcing me to pay but no where in the contract does it stipulate that I would be responsible for paying a balloon balance towards interest that theyre system didnt calculate and apply towards my payments. 
I have been getting the run around from this company for months now and they have been unprofessional, unreasonable and dishonest. Ive asked to speak to accounting departments and higher people in charge and the customer service department does not provide me with further contact information to do so. I have the names, dates and notes of every person I have spoken to since XX/XX/2023 and will hold every person accountable for what they told me regarding my loan. My last payment of {$1500.00} was supposed to pay off the remaining principal of the vehicle but instead it went towards unreasonable fees and interest that the company saved for the end of the loan. Its never ending. According to the Westlake Financial App after my {$1500.00} payment I still have a balance of {$1500.00}. The payoff quote never seems to be available or accessible online either. At this point I would like the title to my vehicle and if the company does not provide that to me I will need to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: LA

Complaint narrative:
I received the results of my credit report dispute from Equifax, CREDIT FILE : XX/XX/scrub>XXXX XXXX XXXX Confirmation # XXXX and XXXX Report Created On : XX/XX/2023File Identification Number : XXXX. The results was not to my satisfaction, because my credit score did not change. Equifax and XXXX reports a credit score that is XXXX points lower than XXXX, which is a drastic difference. This amount of difference shows that Equifax and XXXX are not reporting my credit score correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My father passed away last year and due to such passing I was maliciously persecuted for crimes of no existence, incarcerated for defending myself, held under false standards of failure to appear, excessively charged for a crime of no existence, subjected to compleat disregarded and constriction of civil rights, chattel slavery, subjected to deadly diseases, stripped of all equity, stripped of identity, and denied access to bank account, property, finance, individuality, force to be subjected to more mistreatment, and forced to work for such illicit people for means of more social scrutiny, malicious persecutions, brutality, excessive force, XXXX abuse, and attempts on life of myself/family/Service Animal by some unknown group of religious fanatics, political extremists, and racially fueled hate groups for means of corporate XXXX and human enslavement by Chase Bank, XXXX XXXX XXXX false payees , impersonation of family members, stolen identity of family members, online banking ( XXXXXXXX XXXX XXXX XXXX XXXX and value off bonds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received the results of my credit report dispute from XXXX, CREDIT FILE : XX/XX/2023 Confirmation # XXXX and TransUnion Report Created On : XXXX File Identification Number : XXXX. The results was not to my satisfaction, because my credit score did not change. XXXX and TransUnion reports a credit score that is XXXX points lower than XXXX, which is a drastic difference. This amount of difference shows that XXXX and TransUnion are not reporting my credit score correctly.

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 2024-01-20 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-20 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: OH

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX  items appeared on my credit report that did not belong to me and I tried to remove them which did not happen, later I found out Im a victim of the Equifax credit breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Account overdrafted and closed without my consent

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Account closed without my consent and during billing error dispute

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 2024-01-20 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
saw on cr rpt inqury dont kn who this bank or what it was open for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: 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.

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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My next years payment increased almost XXXX dollars a month. They said there is a shortage of XXXX in my escrow which is not the case. They add hazardous insurance to my account XXXX which is also on my 1098 tax form that they said didnt matter that information isnt correct. Well why is it on my tax form if it isnt correct : I have had the same insurance company for XXXX years, they have always taken out the correct escrow each month with no issues. There cant explain the extra XXXX a month even though I have paid my escrow which covered my taxes, the added this hazardous insurance for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Home and Auto Plan was added without my knowledge totally XXXX and possibly other charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: DE

Complaint narrative:
I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  These are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from my 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