vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: PA

Complaint narrative:
I have an Health Savings Account with Optum Bank through my former employer. After leaving my job, I was mailed a notice, dated XX/XX/2023, which included a Truth In Savings disclosure that quoted a {$0.00} monthy account maintenance fee that was described to " now apply to your account. '' However, I have been charged a monthly maintenance fee of {$2.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 

I wrote a letter to Optum on XX/XX/2023 and did not receive a response. On XX/XX/2023, I wrote an electronic message to Optum and received a reply that was not responsive to my concern. The message stated that " Our records show the plan you're currently associated with has a {$2.00} monthly maintenance fee '', however the company 's response did not address the information I provided regarding the disclosure I received over mail that quoted a {$0.00} fee. 

Attachments : Letter from Optum dated XX/XX/2023. 
Letter to Optum dated XX/XX/2023. 
Electronic communication with Optum Customer Service on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I submitted an IDR and consolidation application on Saturday XX/XX/XXXX. I did not get any confirmation from Nelnet regarding the status or receipt of the application ( s ). My federal student loan account on studentaid.gov shows they are processing with the servicer ( Nelnet ). According to everything I have read about applying for IDR plans, my account should be in forbearance until the application is processed ; " administrative forbearance '' according to consumerfinance.gov. As of XX/XX/XXXX PM, my account on Nelnet is marked as " past due '', and I have waited on hold on the phone for 4 hours total today ( XX/XX/XXXX ). I have not gotten to talk to anyone regarding this situation and if they indeed get the applications and why my account is not in forbearance. Email concerns directed me to the website, which does not have personal account answers. Each time I was on hold, my call was disconnected. I need this information before my " past due '' account effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I apparently owe a debt company called debt recovery solutions. I called them 3 or 4 times between XXXX of XXXX. I asked them to give me any information on what my debt was from, since it just showed up on my credit report randomly on XX/XX/2023. First time I called I asked for any information on what my debt was from and the first thing they said was how would you like to pay. Second time I called, they told me they were going to email me the information and never did. Called them a third time and they told me they mailed it to me, but I dont recall getting a letter. I have also moved 4 times in the past XXXX years. TERRIBLE customer service, they are very pushyon the phone for payment. I wont pay until I know its a legitimate debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to purchase a massage chair at XXXX XXXX XXXX XXXX Massage Chairs, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/2023, the sales promised to deliver the chair within 3-4 weeks. I was charged {$3000.00} for the chair and {$250.00} for the white glove delivery fee. The chair is never been delivered. I kept waiting and waiting for the delivery company to contact me. They lied about delivering more than one month after the purchase, I had to ask for a day off to wait at home all day, but nobody came at all. I waited another 2 weeks, they are still not delivering. The sales of the store promised to help schedule a delivery on a Friday, so my husband had to miss work and stayed home all day to wait for delivery, it never happened. 3 weeks later, they " scheduled '' a delivery date which we never agreed. We realized this was totally a scam, so we requested a dispute from Chase Bank on XX/XX/2023 ( I purchased the chair with my Chase Sapphire Preferred card ), I only got {$250.00} credit back but I never got the {$3000.00} credit back. I called 4 weeks after the dispute application, I was told I need to just keep waiting since the merchant is not yet replied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
[ XX/XX/2023 ] Subject : Complaint against Virtuoso Sourcing Group LLC Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding an issue with Virtuoso Sourcing Group LLC , a collection agency. I believe that the debt they are pursuing is not legitimate, and I am concerned about how they obtained my personal information.

Details of the situation : 1. Collection Agency Information : Name of Collection Agency : Virtuoso Sourcing Group LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Alleged Debt : Virtuoso Sourcing Group LLC contacted me claiming that I owe an electric bill for an address in a different state. However, I have never lived at the provided address, and I am a resident of Texas. I believe this debt is not valid and is likely a case of mistaken identity or fraud.

3. Concerns about Information Handling : I am deeply concerned about how Virtuoso Sourcing Group LLC obtained my personal information, including my name and the last four digits of my Social Security Number ( SSN ). I have not had any prior dealings with the alleged creditor or provided my information for any such purpose.

4. Request for Assistance : I kindly request the CFPB 's assistance in investigating this matter and verifying the legitimacy of the debt claimed by Virtuoso Sourcing Group LLC. I am worried about potential identity theft or fraudulent collection efforts.

Enclosed, please find any relevant documentation and evidence that I have, including any records of communication with the collection agency.

I appreciate your attention to this matter and your assistance in resolving this issue. Please feel free to contact me at the provided email address or phone number if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Global Lending Services LLC
State: GA

Complaint narrative:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
This company practices discrimination based on income. Specifically this company denies XXXX income as a basis of repayment. On numerous occasions in XXXX, XXXX, XXXX this company keeps claiming in its denial letter that I do not possess enough " Income and or work history '' also it claims I do not have sufficient education. 

My only sources of incomes are derived from XXXX and not from work. How would I possess work history at this current time? Furthermore after repeatedly submitting the application I am given the same reason. When I contacted the company they read off the same statement over and over. They even state on the bottom of the denial letter they DO NOT discriminate based on income. But here they are telling me I do not qualify based on my " Income and or work History ''. This company specifically practices Income Based Discrimination which is a violation of Federal Law.

Reason : We are unsure of your ability to repay the loan based on your current employment, education or work history.

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with this law is the Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
High interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
As a customer of Wise Account, I contacted that entity in an effort to execute damage control after my Wise debit card had been stolen in XXXX, XXXX on XXXX XXXX, XXXX 

When I contacted Wise to 1 ) block my card, and 2 ) send a replacement card, I was initially told that Wise was forbidden by law to send a replacement card to the hotel at which I was staying in XXXX. Upon further questioning from me, they indicated that there would be no point in doing so since the card needed to be activated in the United States. At that point, I suggested that an authorized user in my family activate the card for me per Wise 's requirements and then send the card to me via overnight delivery ; Wise refused, then canceled my request for a replacement card. 

-- I contacted Wise again to complain ; they credited me the {$5.00} replacement card fee, but still did not issue an order to ship me a replacement card -- It took a fourth complaint to get them to agree to send an actual card -- The replacement card didn't arrive for three weeks -- long after I had arrived back home in California In addition to unacceptable delays and inattention to my requests, Wise did not respond to communiqus. To date, the following requests made by me have been ignored by Wise : -- A refund of the wire transfer fees that I paid when I transferred funds from my regular United States bank account to my Wise account -- Fee waiver of any and all fees associated with future account activity Because my requests were ignored, I tried to activate the replacement debit card from my home in California so that I could transfer all funds out of my Wise account ; however, that action precipitated a double charge to access my own money. 

My attempt to activate the Wise card failed ; I told customer support the same. My requests were delayed further by Wise 's announcement that they needed " proof '' of the card activation failure. I had already provided the requested information. 

Today 's ( XXXX XXXX XXXX ) current status regarding this situation -- which commenced on XXXX XXXX XXXX  -- is as follows : All three of my requests for credits against wire transfer fee charges have been neglected : no response and no refunding of charges. 

No action has been taken to remedy the lack of service with respect to my case. 

I have not been apprised in any way of the status of my resolution request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I deposited a personal check amounting {$1700.00} through online banking after doing that Citibank blocked my account. This Happen in XX/XX/2023. Ive been trto resolve this 2 months now this is my second complaint through this agency. The first complaint I was told that theyre going to close my account and within XXXX days I will receive all the funds thats in my account but I only received {$25.00} which the amount that I put in to open the accounts I didnt receive the money that I deposited which is {$1700.00}. I tried to contact customer service I spoke to multiple agents theyve been transferring me to different departments all of them are telling me the same they can not release the funds to me and and advise me to contact the XXXX XXXX to file a dispute. I had a 3 way call with the check XXXX and his bank and they said that they cant stop the payment nor dispute it because the check is already been cashed into my account which I have no access to it. So the other bank cant do anything in their end because it is not a fraud check and a legitimate check But Citibank is not willing to release the funds to me or return the funds to the XXXX XXXX I requested Citibank to just return the funds to the XXXX XXXX but they are not taking an action and keeping my money. Citibank is not helpful at all theyre not giving me other options. Even their executive department told me to request the XXXX to file a stop payment or dispute thats the only option theyre giving me but I was already told by the XXXX XXXX that they can not do that. So I dont know what to do now. Even their Executive department is not willing to help me. All I want if they cant release me my money is to just Return the funds to the XXXX so they can pay me in other way instead. I am willing to provide a verification of the check from the XXXX XXXX  if its needed. I really need help. I deserve to get my money.

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 2023-10-23 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I booked a rental vehicle from XXXX and prepaid a total of {$2300.00} via Chase Travel using Chase card ending XXXX ; I used a combination of credit and points. Upon returning above vehicle to merchant on XX/XX/XXXX I was once again charged {$2400.00} on Chase card ending in XXXX. 
I've disputed these charges twice ( XX/XX/XXXX and XX/XX/XXXX ) via Chase requesting a refund to one of my cards as I only rented 1 vehicle with the same confirmation # XXXX. I've reached out to the merchant via phone on 3 occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ), representatives have verbally acknowledged the XXXX distinct charges and have elevated the matter for said reservation, however an adjustment has not been made after approximately 2 months of me seeking to resolve. I have receipts and account transaction records that I am able to pull via chase.com and XXXX. I have requested on XX/XX/XXXX and XX/XX/XXXX to XXXX via representative on the phone to provide me with itemized receipt and payments received by me including third parties- they stated they sent me an email but I have yet to receive any correspondence. Chase claims representatives were also contacted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Chase representatives opened claims and I uploaded all supporting documents. Chase representative on XX/XX/XXXX stated that XXXX makes the decision to decline or approve disputes, so I would need to contact them. On XX/XX/XXXX I filed an online inquiry on the XXXX site and I immediately received a response stating that the financial institution is responsible for addressing disputes with the cardholder. 

The XXXX receipt issued on XX/XX/XXXX demonstrates that I did not incur additional fees that would equal over {$2000.00} and does not acknowledge the previous XX/XX/XXXX booking made through Chase Travel. I did not authorize additional services nor coverage, and I returned said vehicle with a full tank of gas, all of which XXXX can verify with their issued receipt. Chase is now acknowledging the charges that were made by the merchant and are deeming my third party booking through Chase Travel as non-refundable in credit and points I earned along the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This is my XXXX complaint about Aidvantage. I will not continue to send information to a company that has violated my rights by receiving my information without my consent. Moreover, this same company said in a previous dispute that if this is a result of identity theft, file a report with the FTC. That has been done. Now, theyre saying to call their theft department. I will not keep jumping through hoops. It is my information that is being misused. I have done my due diligence by reporting this to the FTC, the attorney general, and the credit bureaus. In addition, the last CFPB complaint was sent to the department of education. The Department of Education responded and said they are not the appropriate company to address the issue. 

If the loan originated from The Department of Education and they are unable to address the issue of identity theft and sending my personal information to Aidvantage without my consent, the loans need to be removed from my credit report immediately and closed.

Company response to consumer: Closed with explanation