vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: NY

Complaint narrative:
I fell into unemployment like many Americans in XXXX. Since XXXX of XXXX Key bank has put a hold on my account. Key bank keeps telling me that the issue is with the Dept of Labor. The supervisor at the Labor Department informed me that there is no hold and I believe them because Dept of Labor is adding funds weekly to my Key bank account. As of todays date Key bank is holding {$5900.00}. Dept of Labor cant do nothing else to retrieve my funds from key bank because the error is not on their end. I call key bank daily and after the XXXX outreach and hours of hold, the customer service rep at Key bank hung up the phone on me. I am beyond frustrated because for the last 3 months Ive receiving the runaround from Key. I have never been without employment, since COVID-19 I was forced out of work. Key bank is running a scam on people affect by this pandemic and there appears to be no check and balances on key bank practices. I can only imagine that they are doing the same to how many more people. They are taking unemployment money that have been defaulted to them via unemployment and not sending it to the people in need. Ive run out of options and this is my last recourse to get my much-needed money from key bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Without ANY notice, Discover locked my account and forced me to release my personal tax transcripts before I could ever use my card again, and for the first time after being a customer for 7 years and never having a late payment. 

I was forced to close my account as I have not filed taxes yet and was not able to release returns that were not filed, especially after COVID and my income being hit from the pandemic. 

I don't know how this can possibly be legal, so I just want this on the record of complaints for Discover, for when there is a class action or further action that can be taken by government agencies. They should verify income when creating the account, not lock my account RANDOMLY after 7 years of on time payment and good account history, during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.

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 2021-05-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to 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 2021-05-04 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to 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 2021-05-04 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to PROFESSIONAL CR ANALYSTS XXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. 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 2021-05-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have recently filed a legitimate dispute on GM Financial on the removal of an old account that was settled after the first late payment over 84-months ago. GM FINANCIAL is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Related to request XXXX that I submitted on XXXX XXXX 2021 and Binance.US didnt bother to answer. 

On XXXX  XXXX I initiated deposit of {$5000.00} that FAILED according to notification from Binance.US mobile application. 
But my bank transferred {$5000.00} to Binance.US on XX/XX/XXXX and the money are not in my BInance.US account! 

Now because Binance.US never bothered to answer and solve this issue I called my bank and asked to get my money back. 
And now Binance.US froze my account, threatened to sell my assets and requesting to deposit {$5000.00} because of chargeback of money you DO receive according to XXXX  XXXX XXXX data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have used my points from Chase XXXX Rewards to book flights from XXXX XXXX, CA ( XXXX  ) to XXXX, HI ( XXXX  ) for my family of XXXX on XXXX XXXX. The total value of the booking was approximately {$2000.00} and the tickets claim to have no change fees, which is also confirmed on the airlines website. 

We tried to change our inbound flight, which was priced at {$560.00} for a new ticket on both the Chase XXXX Rewards and XXXX XXXX. When I contacted customer service to make the change the wanted to charge me over {$1000.00} per ticket. This was almost double the price of just booking a new ticket. 

I then inquired about cancelling the flight and having my points returned to their original account or a travel bank for future use with the airline, but they advised me that I would forfeit all my points, even though that is not the policy outlined on website or the confirmation email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company ( XXXX XXXX and the Courthouse ) that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone get my money without the card for {$920.00} on XXXX and I call edd bank of america on that day

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Klarna AB
State: CA

Complaint narrative:
I called and chatted with the company 's customer service representatives and they told me that they abide by whatever the merchant says. I purchased from a merchant 's name is XXXX. I purchased two shirts on XX/XX/XXXX they were too small I returned them they've been in their hands since XX/XX/XXXX. The company that I used for the financial transaction tells me they will not refund my money until the seller gives their okay which is 28 days from now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
On XX/XX/2021 I received via US mail a communication that was post marked XX/XX/2021 from DNF Associates. Upon opening this envelope, the contents were found to be several credit card statements from a " XXXX Mastercard '' company. There was no letter addressed to me nor an explanation of why I was receiving this communication from DNF Associates. Upon further review, I have come to the conclusion that I am unfamiliar with the information which was sent nor have I been associated with " XXXX  Mastercard '' if this account was opened, it was opened fraudulently without my consent. If this communication is an attempt to collect a debt, DNF Associates failed to advise me of this.

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 2021-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. 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 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. 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 2021-05-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. XXXX  is lying and violating my rights as a consumer.

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 2021-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Re Hyundai Finance. I returned my lease car at end of lease. I was given the final amount owed to complete the lease end. I paid {$1300.00} by credit card XX/XX/2020. Later I was informed by letter an adjustment was made to my account and created a refund due me in the amount of {$650.00}. 

I have called Hyundai Finance 8 times to obtain my refund. The customer service agrees Im owed a refund but its handled by payment processing department. However each time Im told they cant transfer me to that department and had no phone number to reach the department. Further they deny request to speak with a supervisor stating Supervisors dont take calls. 

Can you help me get the money owed to me? I appreciate your help, thank you 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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I thought I was signing up for a free TransUnion account ( so that I could freeze my credit ). It did ask for a credit card, but I honestly did not see where it said that I was being charged for anything, so I assumed it was some sort of identity verification. Apparently there was a banner along the side that said I was signing up for $ XXXX credit monitoring. It was very unclear from their website that I was signing up for a paid service ( especially because the other credit bureaus have free accounts that you can use to see your credit score ). This seems to me like a total scam designed to get people to unwittingly sign up for credit monitoring. Also, if you click Get Your Free Credit Score at the top of their website, IT TAKES YOU TO THE SIGN UP FOR A PAID SERVICE. I tried to cancel online, and it doesnt work. I will be calling them in the morning, and if I cant get a refund, Im issuing a stop payment thru my XXXX because this is ridiculous.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation