vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My father and I had an account that was closed XX/XX/XXXX for {$700.00} over a dispute that was due to XXXX, also a fraud company that did not provide services to us. Capital One charged us $ XXXX for the services and we settled for {$700.00} because it was back and forth of calling them over 30 times in the last year from XXXX over this issue that we no longer wanted to deal with them anymore. After settling the account, they continued to hassle my father with snail mail asking for {$900.00} more continuing for the following two months after we settled every week, even though balance had already been paid. I am asking that they stop sending snail mail and emails to my father who is a XXXX and does not need the anxiety of having to deal with the terrible and poor customer service weve received since using the card over the last year. Every time I call them they say I dont have authorization because Im not the primary cardholder and even when my father calls they say that he cant do anything because its a closed account and they continue to send him mail to try to get more money! This has to be stopped! Please help us by getting Capital One to stop sending my father charges for accounts already settled. No more emails and no more snail mail! I would even ask for the {$700.00} back that they took from us to settle the account for services not rendered!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC.
State: NH

Complaint narrative:
I had submitted a claim from XXXX XXXX XXXX account for {$770.00} on XX/XX/XXXX. I received a check soon after and I thought I was all set. As we know, the XXXX funds must be spent within the XXXX 's plan year. I was sure that I had spent all the funds. 

But now, when I am checking again, it looks like I still have {$770.00} left on my last year 's XXXX XXXX XXXX account and I am left with no option to do anything with that amount as the claiming period already ended on XX/XX/XXXX. 

At the same time I can see in the transaction history that there was deduction of {$770.00} from XXXX on XX/XX/XXXX. 

So, it is a double whammy - My {$770.00} from my XXXX XXXX XXXX are lost and XXXX account has got a wrongful deduction of {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC.
State: MN

Complaint narrative:
On XX/XX/XXXXXXXX  Optum Financial approved my medical claims and repayment was made to my FSA XXXX account ; however, Optum Financial has failed to update my balance to reflect these payments and continues to show the same negative balance, triggering collection efforts from my employer XXXX XXXX XXXX XXXX XXXX for {$480.00}. My repeated efforts to correct this problem have met with failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital is illegally furnishing an account to my credit report. Please see the attached letter from the original creditor listing the correct balance and collection agency of the account. Springs Oaks is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account SPRINGOAKCAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help 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 2023-09-25 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: 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 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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert text from Bank of America, asking if I placed a {$22.00} charge at XXXX. I replied " No '' and they replied that they have restricted the card. I then called and asked they cancel the card and send a new one. While on the phone, I learned that not only did the {$22.00} charge post, but a second one for {$82.00} went through, both after I confirmed they were fraudulent charges. 

Even after confirming they were not mine and cancelling my card/ requesting a new one, the charges stayed on my card and the statement closed. Bank of America no shows that I have a balance and minimum payment due. When I called a second and third time ( XX/XX/XXXX ), the agents told me that they can not reverse the charges and I have to pay the minimum payment.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My account was suspended on XX/XX/2023. I have made numerous attempts to call and chat with credit karma since XX/XX/2023. I have been told that the account is suspended and they cant give me a reason why and cant tell me how to fix it. I have been told to wait for an email since XX/XX/2023. And have not received an email in regards to how to unlock my account. My tax refund was loaded onto the credit karma account on XX/XX/2023. I just received a notice to pay rent or move and a shut off notice on my pge. I am a single dad. I live with my XXXX XXXX XXXX daughter and I need access to my money to take care of us. Its been 3 weeks and I cant get an answer or guidance on how to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has my name on my report as a junior. I've been disputing for a while, with no change. I informed them I would be contacting the Federal Trade Commission and they retaliated and dropped my score XXXX. I have no lates or missed payments

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 2023-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Around XX/XX/2015 my contract ended with XXXX XXXX. I was wrongfully charged reconnection fees for 5 devices and early termination fees. I disputed the amount with XXXX and they sold the account to XXXX XXXX. XXXX XXXX claims they are a XXXX party who purchased the XXXX account but never sent a copy of the contract to validate the debt with my wet ink or digital signature from XXXX XXXX. I only received an incorrect invoice which I repeatedly disputed. Over the years XXXX XXXX has changed the dates of when the account was opened which is illegal to try and keep the debt newer than it actually is. This debt is over 8 years old and I was just contacted by True Accord. They are still trying to collect on and outdated and incorrect balance. I disputed the information with True Accord and asked them to cease and desist contacting me. Meanwhile I warned them that I was going to file a complaint which is why I'm here today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX, an XXXX XXXX, cold knocked on our door selling premium solar panels and installation in Virginia. They indicated they had a relationship with a financial institution, Dividend, which was providing a significantly lower APR than any other institution for the project. We we able to get " pre-approved '' for the loan the day the XXXX company representative was here, however, the " pre-approval '' was actually the loan application. Following the loan application, XXXX was paid following the initial installation of the panels, not completion of the project -- which would require a working system. The loan amount was {$97000.00}. This was paid directly from Dividend to XXXX. During a call with an XXXX representative in XXXX XXXX  it was disclosed that XXXX had direct access to my loan information from Dividend through a " portal ''. In the same month I contacted Dividend and inquired as to why they would pay the contractor prior to the completion of the project as this has now placed the consumer in a bad position of the contractor having no incentive to complete the project and they stated that their position is to pay the XXXX " upon installation of the solar panels. '' This payment then initiates the loan repayment process upon which the consumer has 60 days to begin payment on the loan. Our panels were installed in early XX/XX/2023 and our loan is due XX/XX/2023 and we do not have a working solar system because the contractor has not yet completed the project. This does not make any sense and it seems to the outside eye that Dividend and XXXX may be colluding to create an untenable situation for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TN

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork and sent it in with my disputes. The paperwork has not been attached and sent to the loan companies correctly. And I am not getting copies of the verification process These are the accounts : XXXX XXXX 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 explanation
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' XXXX, TransUnion, and XXXX have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with XXXX, TransUnion, and XXXX. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with XXXX and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX. 
XXXX is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( s ) '' across all 3 consumer credit agencies : 1- XXXX/DEPT of ED ( inaccurate balance and/or missing the cents ) 2- DEPT of ED/XXXX  ( inaccurate balance ) 3- XXXX XXXX ( inaccurate balance and/or missing the cents ) 4- XXXX  XXXX ( inaccurate balance and/or missing the cents ) 5- XXXX ( Inaccurate balance ) 6- XXXX XXXX ( inaccurate balance and/or missing the cents ) 7XXXX ( inaccurate balance and/or missing the cents ) 8XXXX XXXX XXXX  ( inaccurate balance and/or missing the cents ) XXXX, TransUnion and XXXX MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to XXXX, TransUnion, and XXXX 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX  I purchased round trip seats from XXXX XXXX XXXX on JetBlue. My seats were confirmed as XXXX to XXXX and XXXX to XXXX, and paid for at the time. I have confirming email of the purchase and seat selection directly from JetBlue. When I went to check in for the flights, my paid for seats had been changed to XXXX. When I called JetBlue, I was told that 1 ) I would need to pay {$25.00} to resolve this over the phone and 2 ) that I didn't pay for these seats and would have to purchase " even more space '' seats for an additional cost. Rather than argue, I went back online to find that my original seats were no longer available, clearly having been resold. So, I chose seats as close to my original, already-paid-for seats, and paid an addition {$310.00}. 
JetBlue claims that I purchased my tickets and seats through XXXX, and were not guaranteed. This is not the case as all of my flight communications were directly with JetBlueXXXX as evidenced by their email confirmation from JetBlueXXXX not XXXX. 
I sent a letter disputing this. Same response. I contacted the credit card company which noted that I disputed the claims, the issue is resolved, but I disagree with the determination.

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 2023-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a small home equity loan from Discover Home Loans online and it said they were having technical difficulties so I needed to call. I spoke to XXXX XXXX XXXX XXXX XXXX and she proceeded to try and run my credit. After several attempts she said she was having technical difficulties and would have to run in manually, which I refused. I asked if I was getting a hard inquiry on my credit report each time she tried which she stated No. I immediately when onto XXXX XXXX and saw that in fact I did receive three back to back hard inquiries on my credit, lowering my credit score by XXXX XXXX  on XXXX. In addition to that I have been receiving emails, texts, and numerous phone calls XXXX XXXX XXXX harassing me and trying to sell me a mortgage. This need to stop and I need Discover Home Loans to fix my credit by removing the hard inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX - I changed my phone number within my Discover Bank Account online. I received the confirmation email and when I attempted to access my account again it stated that it was locked and to contact customer service. 

I spoke with someone at Discover who informed me that I needed to accept a phone call verification and relay the code to Discover. I successfully obtained the verification code which the Discover employee confirmed was correct. The employee then proceeded to inform me that I needed to submit a photo of my government issued ID or passport along with a photo of my face. 

I told the employee I was not comfortable doing so to which they explained there is no other way. They decided to discontinue helping me and would not assist further in rectifying this situation. I asked to speak with a supervisor which was not granted and I was disconnected, presumably due to my XXXX when I was attempting to rectify this instance. 

I called back and was transferred to the security department to which I asked to speak to another supervisor. I was again denied and told someone would call me back on XX/XX/XXXX to which I have yet to receive a call. 

I am not comfortable allowing companies and their third parties access to images that can be sold and used for fraud. Discover has continual data breaches and does not protect it's consumers or their privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX Apartments in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.

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 2023-09-25 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: NV

Complaint narrative:
Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX Acct : XXXX : This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX XXXX  in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.

Company response to consumer: Closed with explanation