vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: DE

Complaint narrative:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the night of XX/XX/22, I was likely drugged  because I woke up in my hotel room the next day not remembering what had happened. My friend said that I was missing the night before for about an hour but I couldnt remember anything. I then discovered that my phone was missing, but still had my wallet. A little later, I discovered that my drivers license, one credit card, and one debit card were taken. One credit card remained in the wallet. The theft took my Bank of America Debit card and used as the following below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XX/XX/22 {$200.00} XXXX XXXX  XXXX XXXX, XXXX, LA XX/XX/22 {$800.00} XXXX XXXX XXXX LA XX/XX/22 {$4.00} XXXX XXXX XXXX LA XX/XX/22 {$1000.00} XXXXXXXX XXXX XXXX, CA XX/XX/22 {$1200.00} XXXX XXXX XXXX, CA XX/XX/22 {$1500.00} Bank of American stated that they will give me temporary credit while they investigate, which they never did for the 2 transactions for XXXX XXXX. Later, they then took back rest of the temporary credit for the other 4 transactions. 

I already told them in the beginning that I was a victim of identity theft and provided them with the police report, and also filed a report with the FTC, which they still rejected my claims, for which I am filing a complain.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was traveling internationally in XXXX, XXXX when this charge occurred. I purchased two small rugs at what should have been a total of XXXX rupees ( roughly {$120.00} USD ). The vendor said they would package my rugs and receipt to take on the plane. 

However, when I saw my credit card statement in the subsequent weeks ( after arriving back to the US ), the vendor had charged me XXXX rupees ( roughly {$1200.00} USD ). There was no receipt packaged with my rugs and no way to contact the vendor directly. 

My next step was to dispute this charge with my longtime credit card provider, but the claim was denied because they are " unable to accept estimated amounts. '' I was pretty upset about for a few reasons : 1. we use this card frequently, keeping and making payment on fairly substantial credit amounts 2. more importantly, it is an estimated amount because of the conversion rate! The vendor 's offer was in rupees, which according to today 's ( XX/XX/2023 ) exchange rate, is {$120.00} at XXXX rupees. The rate for XXXX rupees at the time of the charge ( according to my statement ) was {$1200.00}. 

I am disputing {$1000.00} which is a lesser amount when compared with recent conversion rates.

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 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WY

Complaint narrative:
I have for the last year trying to resolve some high medical bills for XXXX XXXX and Billings Clinic. XXXX XXXX, XXXX. sent me to a collection agency. I do feel that they were paid but they refuse to investigate it. I was never mailed a bill from them letting me know that there was a balance on my account until the collection agency contacted me in XX/XX/XXXX. Now XXXX refuses to speak with me so that we can get this resolved. Initially they billed the incorrect insurer who was not the primary and were denied by XXXX  ( secondary ). I can not see where they billed XXXX at all under the name XXXX XXXX XXXXXXXX. There is a match on my claims for XXXX for the amount that XXXX is saying I owe. I believe they were paid. 

The real problem stems from XXXX XXXX and XXXX XXXX XXXX XXXX of Wyoming updating my Coordination of Benefits. I have a primary and a secondary. They are both refusing to pay medical bills to XXXX XXXX, XXXX and Billings XXXX. At the time XXXX was my primary insurance and XXXX  was secondary. I have tried for the last year to get this straightened out by mail and by phone. Nothing has worked to get this fixed. 

I do have documentation that I will also be sending. It's rather confusing so I will try to shed some light on this. These amounts don't match up exactly I think due to a plan discount. XXXX billed different amounts to XXXX and XXXX.??? 


XXXX XXXX billed XXXX for {$19000.00} on XXXXdenied because XXXX was secondary insurer. I do not see where XXXX re-submitted this for a claim. 

Originally XXXX denied the claim of {$21000.00} - ( {$1900.00} plan discount ) = XXXX on XX/XX/XXXX. The claim shows that the bill was submitted by XXXX XXXX XXXX not XXXX XXXX. It was denied because they did not think they were the primary insurance when in fact they were. I am clueless why the claim was not submitted under their name and under XXXX XXXX XXXX. 

Another claim was submitted to XXXX from XXXX XXXX Montana on XX/XX/XXXX for {$21000.00} - ( {$1900.00} plan discount ) = XXXX. This claim was paid on XX/XX/XXXX. XXXX XXXX was paid. I am clueless why the claim was not submitted under their name and under XXXX XXXX. Personally, I think that they must have done the billing for XXXX. I am not sure exactly the relationship between the 2 companies, but I do know they work together. XXXX is an air/ground ambulance service and XXXX  is a hospital/healthcare system of sorts. I have called both XXXX XXXX and XXXX XXXX to ask what the relationship is between the 2 but I wasnt able to find anything out. 


The other high bill is for XXXX XXXX $ XXXX. XXXX and XXXX has paid them nothing. They each claim that they are not the primary insurer. I think once the coordination of benefits is straightened out XXXX XXXX may need to re-submit the claim and finally get paid. I am afraid that they soon will turn me over to collections as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MD

Complaint narrative:
I did not authorize anyone employed by these companies to view my credit or agreed to be in a contract with them in which I would owe any money to this company Or firm. 
report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6ll.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I received the attached promotion from the merchant for an American Express Gold Delta Card. I applied for and was approved for the card on the same day. The business confirmed that I would need to spend {$2000.00} by XX/XX/XXXX, to receive the XXXX bonus miles. 

On XX/XX/XXXX, I noticed a credit in the amount of {$300.00} on my account. When contacting the business, it informed me that a different promotion was honored but it would open an inquiry to cure the issue. I received XXXX instead of XXXX bonus miles from the business after meeting my spend threshold. 

In followup, I contacted the business on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each time I was given a myriad of explanations and told that the inquiry was still unresolved. On XX/XX/XXXX, I submitted copies of the promotional offer to the business to support my open case. On XX/XX/XXXX, after threatening to get the CFPB involved and/or institute proceedings to close my account, I was informed that the resolution is it would not honor the original promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
the debt collector engaged in abusive deceptiveand unfair practices of FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on a legal ; contract is signed by two parties and I did not participate in any of it More so they didnt follow the proper 5 step validation procedure which make this unfair practices

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: OH

Complaint narrative:
Previously, I had a KeyPrivledge account with KeyBank. I moved to a different bank and requested that the account was to be closed on XX/XX/2022. Instead, KeyBank decided not to acknowledge my repeated request to close the account. Therefore, they continued to debit {$50.00} per month for XXXX, XXXX, XXXX, and XXXX of this year ( XXXX ), which has cost me a total of {$200.00} in fees. 

In late XXXX, KeyBank closed the account, charged two service fees of {$50.00} ( XXXX, XXXX ), totaling {$100.00}, and sent the account to XXXX XXXX XXXX for collections. Additionally, I'm sure, to XXXX XXXX  and XXXX. 

This whole thing is a complete absurdity, and Key, you have lost me as a customer for life over this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/23 I opened a new checking account online and made an initial deposit of {$100.00}. The next day, I was unable to create an online profile to access this account. I contacted customer service and was told my account had been closed due to " fraud activity ''. They were unable to tell me what this activity was, only that their " Enterprise Fraud Department '' had determined my account was fraudulent and it was closed. I was transferred to multiple people who all told me the same thing and no one could help me. I was eventually transferred to an employee only number somehow and they told me to go to a local branch and it will be fixed there. I went to my local branch on XX/XX/23 and XX/XX/23 and spoke with a representative there. I provided 2 forms of ID and 3 forms proving my current residence. This person at the local branch had no ability o help me either and she talked to multiple people on the phone with no answers. I visited this branch and spoke with this person multiple times. She said she would call me back with a resolution and never did. Also, every person I have spoken with has told me there is no money in my account and acts like I am lying about making a deposit. I have received a debit card in the mail which I can not activate. I also received an account statement dated XX/XX/23 that shows a deposit of {$100.00} was made on XX/XX/23 and my current balance is {$100.00}. One of the notices I received about my account being closed stated I would receive any funds in the account via check within 10 business days of account closing. That has not occurred. It is now XX/XX/23, 3 weeks since my account was closed with zero help from anyone at Truist or resolution of any kind.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XX/XX/22 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF THE WEST
State: CA

Complaint narrative:
LAST 4 WEEKS I HAVE PROBLEM TO USE MY BANK OF THE WEST MASTER CARD. 
I TRYED TO CALL MY BANK ALMOST 15 TIMES IN 4 WEEKS. 
THEY CHANGED CARD, BUT IT DOES NOT WORKING ANYWAY AND NO ONE CAN HELP ME IN BANK TO RESOLVE ISSUE. 
I ALWAYS HERE SAME FROM THEM CARD IS GOOD MY BALANCE IS XXXX AND I CAN USE THATCARD.

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
A previous complaint -- that was resolved via an apology letter from Rocket Mortgage -- concerned harassing calls and emails around the first of the year trying to get me to refinance my home when I didn't want to. 

Today I received another letter from Rocket Mortgage ( signed by a XXXX XXXX XXXX and dated XX/XX/31 ) telling me that my application for a home loan was being denied and that my credit history was the primary issue. I have numerous complaints. 
XXXX. I never made an application that could be denied. XXXX XXXX made up the request. 
XXXX. My present XXXX score is XXXX ; I doubt that constitutes a weak credit history on any scale. 
XXXX, The letter states that my mortgage banker should already have " had a conversation '' about the fictional denial. I never had a mortgage banker for this alleged loan request ( # XXXX ). And I never had a conversation with any one about any request. 

This is the third time Rocket Mortgage has made false statements about mortgage requests from me. The previous two times -- subjects of two separate complaints -- were addressed, though without stopping any bad practices. 

I do have a mortgage that is handled by Rocket. I am not unhappy with their handling of that mortgage. But I have no intentions of refinancing it. This continued inappropriate contacts must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
I am filing another Consumer Protection Bureau ( CFPB ) complaint against Optum Financial regarding the unfair, discriminatory account treatment until the wrongful maintenance fee billing can be resolved. I also filed in small claims court and arbitration until we can resolve this in a fair matter. If these fees were intentional, this case will be taken to criminal court. You have 30 days to respond to this matter.

Please see the attached Optum transactions statements and email/phone/fax correspondence dating as far back as XXXX. 

The monthly maintenance fees first started in XX/XX/XXXX after I ended my employment with XXXX. Since then, I have continuously asked Optum to close my HSA account by A ) reimbursing the funds my HSA for qualified medical expenses and 2 ) transferring the HSA account to the HSA under my new employer so that I would not have to incur an unnecessary tax penalty to close my account.

As you can see from my medical records, the qualified transactions I wanted to reimburse myself for dated in XXXX, but for three years, Optum/HSA Bank have blocked my account from reimbursing myself with account issues and unauthorized transaction disputes. If the HSA account bank refuses to let me reimburse myself my own money, do you think this is fair? 

Over the phone, the customer care representative informed me that the HSA Maintenance Fee will be waived as compensation for the troubles that Optum has caused me from dragging on the unauthorized transaction disputes, the account access issues, that have prevented me. I believe this is the least that Optum can do for me since it is Optum 's fault that I could not access my account and reimburse myself in order to liquidate the HSA account. 

This amounted to over {$180.00} in maintenance fees that I should not have been charged due to Optum 's fault. Please investigate into this. If Optum is deemed to purposefully delay my account closure just to charge me more maintenance fees, this would be considered fraud and I will escalate the case to criminal court until a fair resolution can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief