vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2023, I went to my local branch of US Bank to pay the full balance of my home equity line of credit ( HELOC ), Account # XXXX. I asked the teller for the precise sum that would pay the loan in full, and was advised the amount was {$19000.00}. As I wrote the check, I asked the teller to confirm the amount once again, which she did. I then gave the check to the teller, got a written receipt, and left the bank with the understanding that the HELOC had been paid off. 

Despite this, on Saturday, XX/XX/2023, I received a mailed statement from US Bank dated XX/XX/2023, advising that the HELOC still had an unpaid " Principal Balance '' of {$83.00}. Not understanding why, I went to the same branch of that bank on the following Monday, XX/XX/2023, to speak with a bank officer. At the time, I met with an officer named XXXX XXXX XXXX, who -- after doing some investigation over the phone with another US Bank agent -- advised me that the teller had given me the incorrect amount because she hadn't included outstanding interest on the loan. XXXX XXXX further advised that the true amount owing to pay the loan in full was no longer {$83.00}, as set forth in the bank 's XX/XX/2023 statement, but was now {$110.00}, because an additional {$36.00} in interest had accrued on that {$83.00} " Principal Balance '' since XX/XX/XXXX. I protested this additional charge, and the exorbitant interest on that charge, but proceeded to write a check to the bank for {$110.00} merely to avoid further fees. I gave the check to XXXX XXXX on XX/XX/2023, and left the bank. 

This complaint has nothing to do with XXXX XXXX, who throughout the meeting was sympathetic. It has to do with what I believe are deceitful representations to the public and usurious interest rates being charged by US Bank. 

I believe there are two problems here. The first is that the bank 's authorized agent, in this case the teller, represented to me that the amount that would satisfy this HELOC in full was $ XXXX, that I relied on that representation by paying that precise sum, and that the bank proceeded to demand XXXX XXXX XXXX XXXX XXXX to pay off the loan. Even if, as XXXX XXXX advised, the teller gave me incorrect information, the bank should be bound by its agent 's mistake. 

The second problem is that even if I should bear the onus of the teller 's mistake, the bank has no basis for charging an additional {$36.00} in interest on a " Principal Balance '' of {$83.00} for the period XX/XX/2023 ( the date of the bank 's mailed statement ) to XX/XX/2023 ( when I met with XXXX XXXX and paid the amount being demanded ). The effective rate of interest is roughly 1000 %, surely a violation of the usury laws.

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 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Square owes me over {$8000.00}. Our account got closed and our balance was supposed to be released to us 90 days after they closed it. I got an email saying the release date was XX/XX/XXXX. I have called every single day since then and responded to the emails they told me to and every time I call they either disconnect me or say oh sorry the system is down. Every single day I need that money because it is mine. I have now lost money in my business because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: LA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One advertises two complimentary lounge visits per year as a benefit of the Capital One Venture Rewards card. However, nowhere on the website there is an explanation of how to actually use this benefit. 
I called Capital One on XX/XX/2023 and was told that, in order to use this benefit, I should use the Capital One Venture card to pay for admission to one of the partner lounges listed on the website, and I would then get a statement credit. 
On XX/XX/2023 I visited the XXXX XXXX at XXXX XXXX at XXXX airport ( XXXX  ), which is listed on the partner lounge list. I paid with the Capital One card ( they would not let me in otherwise ) and was charged {$53.00}. 
I just received my card statement dated XX/XX/2023 and there is no statement credit. I called Capital One on XX/XX/2023 at XXXX XXXX  and spoke with three different people, including a " supervisor '' and a " benefit specialist ''. All sounded completely unfamiliar with this benefit, and kept insisting that I was not entitled to a credit because I don't have a Venture X card. I repeatedly directed them to the Capital One website, where things are clearly spelled out ( the XXXX XXXX XXXX page clearly states : Eligible Venture X cardholders get unlimited complimentary access for you and two guests, while eligible Venture & Spark Miles cardholders enjoy two complimentary visits per year - see screenshot ), to no avail. Overall I was on the phone for 51 minutes for nothing, because they refused to refund me. 
Capital One failed to provide a promised benefit, which is not surprising since the company is deliberately vague about how to use it. 
Moreover, forcing customers to nearly hour-long phone calls in order to receive a promised benefit is a major deterrent to utilizing those benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase deducted {$95.00} annual fee for safety deposit box from my checking account in XX/XX/23. I closed safety deposit box approximately 5 years ago. Chase says its still open. Their error. I live in different state and am handicapped. Chase branch says I have to come back to CT and have locksmith drill open box. I turned in key 5 years ago when box closed. Each year I got a bill I dealt with bank and the bills were credited. This year they just took out the fee from my checking account. I need my money and want them to stop billing me for something I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) 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} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: SC

Complaint narrative:
Ive notified these credit bureaus Trans Union and XXXX, several times, and let them know that these specific items from XXXX XXXX financial and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.

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 2023-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have hard inquiries on my credit reports but I didn't give authorization for my credit to be hit 6 times and its hurting my chance of a successful credit score. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 4 ) " Infringed upon consumer 's right to privacy '' 15 USC1b ( a ) ( 2 ) " No permissible purpose /No written instruction ''

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 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On the evening of XX/XX/XXXX I notice two charges to my debt card made through PayPal that I did not make. I called the bank but it was too late to stop the payments from being taken from my account. I filled out fraud report to paypal on XX/XX/XXXX and they claimed that I made the charges and they would do nothing to help me get my money back in the amount of {$990.00} and {$400.00}. This charge was to a company in XXXX.

Company response to consumer: Closed with 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute letter XX/XX/2023 with all 3 credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX posted XX/XX/XXXXXXXX XXXX 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 2023-09-11 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Yes ... I am disputing an collection account on my consumer report ... that has not verify the debt as belonging to me FCRA 15 us 1681 a ( 2 ) 15 US 1681 B ( A ) 1 2 15 US 6802 XXXX Should not be reporting until it verify the debt, inaccurate information is reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The state of California in 2022 issued the Middle Class Tax Refund as a debit card. This service was contracted with the Money Network, apparently. The Money Network has been unable to help customers either 1 ) transfer money out of their activated online accounts or 2 ) receive help getting a new card. Every public phone number leads to automated help. This automates system is also broken, and gives messages about " technical difficulties '' before hanging up on the caller. I fall into both categories, I have an online account with the Money Network, but am unable to transfer my funds out. I also no longer have the prepaid card, so I can not use an ATM to receive my funds. 

These self-help numbers are : XXXX ( general automated help ) and XXXX ( for card activation, and lost or stolen cards ) I have called for four weeks and tried to get to the end of the automated help tree, but have been hung up on by the automate system every time, for every phone option. I was finally able to talk to a human through their online chat system, but they were unable to help as well. They also refused to connect me to a supervisor or any form of additional help. That transcript is included as a email file that I saved. 

I am also including a screen shot of the home page of the online account for the MCTR, serviced through XXXX XXXX XXXX, itself a a service of XXXX XXXX XXXX XXXX, which it itself inactive. The screen shot shows I have money within the account, but no option under " Money Out '' to transfer the amount to my personal account. There is also no option to send a secure message or contact any help. XXXX XXXX  XXXX also has a phone number, but it is completely automated and can not find an account by SSN and DOB.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2023, a representative told me that they will not process my disputed accounts and asked why I am disputing accounts on my credit file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account. I demand to see Verifiable Proof ) an original Consumer Contract with my Signature on it ) you have on file of the disputed accounts. Your failure to positively verify these accounts has hurt my ability to obtain adequate housing. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, by law, you must remove disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1861j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FCRA guidelines. Please include the method use to " verify the debt you claim I owe. I have requested the person 's name, phone number, address, name of company that performed the investigation and the individual 's title. 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a dispute with Experian for a XXXX XXXX credit card account that appears on my credit report twice. I've only had one credit card with XXXX XXXX but two are being reported. I filed several disputes, and talked to the appropriate department but this issues stll hasnt been resolved. My latest dispute was in early XXXX of XXXX XXXX XXXX verfied the inaccurate information on my 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 2023-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
In XXXX we purchase a home which already had solar. In XXXX our bills from XXXX started rising up. The first bill was XXXX plus the payments we would make to the solar company with were close to XXXX. Then XXXX came along and it was XXXX plus the solar bills which ended up at about XXXX. I started to question why our bills were so high if we live in a house not a building. If we had solar it made no sense. The solar company stated our system was offline but we were getting billed based on estimates. I kept emailing and calling asking them to come out and check our system. In XXXX my settlement bill for XXXX  is XXXX. I kept on calling and recording the representatives stating we were offline and our solar wasn't producing. I've opened multiple complaints with different government agencies and nobody seems to help. Everybody tends to send the ball a different way. They finally sent a company out XX/XX/XXXX which stated our system was fine. Then after that I hired a solar consultant that came out and showed me picture of our system and it was of course not working and a diagnostic of the problem. As we already new the solar system wasn't working. Meanwhile they sent me to collection. Which I find unfair that they would send me to collection for a service I am not receiving and also for them billing me on something that's not there. I've reached out to them to make a remedy of this issue and they have not been wanting to help. They not also not performing any more solar systems but make us stay hand tied because they tell you to add more panels to your house with another company yet no company wants to add due to the house already having a system in place. I have already endured a lot of expenses with this issue to have them ruined my credit with a service I didn't receive. I can provide pictures, bills, and emails.They state on the complaint I opened previously I canceled an appointment but how are you giving me one day notice to be home. I asked to be rescheduled for another day and they said they would call me back. Til this day I have not received a call. I also have a recording where they state if I don't pay they would send me to collection. It seems un fair they want to go get paid for a service I wasn't getting and not wanting to come out and fix the issue. I hope the CFPB takes action on this to help the consumer not get screwed over these companies that take advantage of the people. Im drowining in bills to keep our electricity on and yet this companies are not doing one thing to resolve the matter. I've searched and there are many people like me trying to get help.

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