vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
The employer laid me off in XXXX and I paid for COBRA coverage to extend my health plan to the end of XXXX. 

As part of my benefits the health plan included a health savings account ( HSA ) and a limited purpose flexible spending account ( FSA ) that Optum Bank administers.

Optum issued one debit card that is used for both accounts. At one point in the past I could go on line and mark what account the charges should go against.

The FSA can only be for dental and eye care, while the HSA can be used for any medical expense. 
I paid my dentist in XXXX {$17.00} for an appointment I had on XXXX I paid my eye doctor for contacts {$240.00} XXXX 

They posted these two charges against my H.S.A account in XXXX. 
I tried to use my card to pay for another medical provider and it was rejected. 

I went on line to check the status and saw they put the two charges that should have gone to the FSA against the HSA. I am no longer able to change which account the charge goes against. I contacted them via the message function in my account. I will attach the string of messages to this complaint. 
I first contacted them on XX/XX/year> asking how to move. 
They responded on XX/XX/XXXX asking for details of the transactions. 
I provided that to them on XX/XX/XXXX, they responded the same day that it would take 2-3 business days to fix. 
XX/XX/XXXX it hadnt been corrected So I reached out to them again. They responded the same day that the request was routed to wrong team but they fixed that and to give it more time. 

XX/XX/XXXX I reached out again and they said to give it 3 to 5 business days. 

I reached out again and their XX/XX/XXXX response now is that my FSA is suspended. I expected my FSA to close since my insurance plan ended XX/XX/XXXX but these transactions took place in XXXX and my HSA is still active.

My HSA account has {$69.00} and my FSA has {$230.00}.

The charges that should have gone to my FSA total Total XXXX. 
That is XXXX more than what is in FSA, so all but the XXXX should go back to HSA.

I should then have {$280.00} in my HSA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Some time ago I issued a cease and desist to XXXX Bank, by law I can. That request was not honored and shortly after I issued complaint no. XXXX, I received a very alarming threating phone call followed by an email from a XXXX Bank representative that refused to identify themselves. Please see attachments. XXXX Bank is in violation of 15 USC 1692 ( d ) - HA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.arassment or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company has been harassing me nonstop about a debt I do not owe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have been contacting me endlessly and threatened to take legal action against me for a debt I do not owe. I mailed the company a debt validation letter. I've read many reviews on this company and their tactics and I am not the only person who they have been harassing according to the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.

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 2024-03-13 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: FL

Complaint narrative:
TransUnion is reporting unknown and unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX I made a charge to my XXXX 's credit card of {$51.00}. I did not receive a statement from XXXX 's and promptly forgot about that charge. 

In XX/XX/XXXX I made a charge to my XXXX 's credit card of {$30.00}, and went to my computer and had my bank send the payment to Comenity/Carter 's for that amount. 

I received a statement from Comenity/Carter 's at the end of XX/XX/XXXX showing the previous unpaid balance of {$51.00}, the charge and subsequent payment of {$30.00}, plus a fee of {$2.00}, with due date of XX/XX/XXXX. I paid the full balance of {$53.00} ( {$51.00} plus {$2.00} fee ) on XX/XX/XXXX. My balance with XXXX 's should have been XXXX at that point. 

However, according to XXXX 's and Comenity, since I made a " partial payment '' ( the {$30.00} ) they can now charge me a monthly residual fee of {$2.00}, apparently every month. 

I did not receive a statement in XXXX or XXXX ; they say they sent it electronically but it did not show up in my email. And as I had not made any further charges ata XXXX 's, I thought I had a XXXX balance. 

Online, the XXXX statement shows my previous balance of XXXX, plus {$2.00} monthly minimum fee. Online, the XXXX statement shows my previous balance of {$2.00} plus {$2.00} late fee plus {$2.00} monthly minimum fee. Today I received an email saying I have a late payment due of {$6.00} .... consisting of {$2.00} charged AFTER I paid my balance in full. 

Today I called XXXX 's customer service and was told it was a " residual '' fee, and when I protested that you can not charge interest on a zero balance, they said it's not " interest '' it is " residual ''. Honestly, they can call it anything they want, but I had a zero balance and am now getting monthly minimum fees for no reason whatsoever. I requested they remove those fees, especially if they want to continue receiving my business ( I have XXXX small grandchildren who dress in XXXX 's clothing ). Their answer : XXXX, ( not my name I might point out ), we will not do that. 

So, I called Comenity to lodge a complaint, and was basically told the same thing. I said I will pay the balance of {$6.00} today, then I want my credit card cancelled. The customer service person said, if you want to do that you have to pay the balance ( per their statement it is {$6.00} ), plus an additional {$2.00} which they will charge at the end of this month. 

So, I sent a payment from my bank for {$8.00} to ComenityXXXX XXXX and will cancel that card as soon as they have that payment posted. 

I am writing this complaint to express my outrage that a credit card company can keep piling on fees, month after month, on a zero balance card, and the consumer doesn't have any idea it's happening, or that it will continue to happen. These fees are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
So I been talking with Honda this whole time and not once did they said they had auction off the vehicle with my belongings still in there and I had asked for a manager to contact me back a manager has not contact me back yet. The main lead XXXX is unprofessional And XXXX is unprofessional they thin thier agent is not at fault which thats a whole XXXX lie they know what they told me to do but instead of doing thier jobs they up here taking my money instead of transferring the Equity to me I am waiting for my court date So they bet not contact me CAUSE HONDA IS VERY UNPROFESSIONAL AND CANT DO THIER JOBS THEY ALL NEED TO BE FIRED WHO TELLS SOMEONE OH WELL YEA OK WE GONE SEE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-13 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Company allowed someone into my account and change my address, locking my account. They refuse to help me unlock my account and I have yet to receive email from company to unlock account. They refused to offer other options to unlocking my account. 

I am worried about this reflecting on my credit history, when it's something I can not control Milestone credit has recorded calls of me calling them to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
First off I'm on a fixed income, all bills are paid no later than the XXXX of each month with my debit card. XXXX XXXX paid {$25.00}, cleared my bank XX/XX/year>. My bank contacted me on XX/XX/year> informing me that avant double dipped. I contacted the Co. Immediately to ask why this happened and could not get an answer. The XXXX offered a refund but could not complete it due to computer declining the refund again no reason. Spoke with a supervisor who sent it to the escalation dept. XX/XX/year> called to find out why my refund hasn't hit my account and was told that the escalation dept. Has not responded to the request and still have 0 answeres as to why this happened or when or if I will get the refund.. This is not about the refund, it's about the unauthorized taking of funds from my account. I have never been late or missed a payment in the approx. 2+years of having this card, and this is not the first issue with this company, but this is the first illegal issue that I have caught thanks to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/2024 I made a purchase on a local stores website for {$1200.00}. the confirmation email for order # XXXX said 15-30 days for delivery to the store. on XX/XX/2024, the store and website were shut down due to tax fraud by the owner. I made a police report with XXXX XXXX XXXX office # XXXX and went to my bank ( PNC ). they said I need to go to the stores bank ( XXXXXXXX XXXX  ). They said that it was my banks responsibility. On the XXXX I filed the first dispute with my bank and it was denied. 3 days later I filed a second dispute and it got denied, reason for both denials was " because you authorized the transaction. '' I contacted the FDIC and they sent me to you. the transaction was an e-check ACH transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I was sent a promotional advertisement by Credit Karma which theyve called the Karma Guarantee on their mobile app. This promotion states that they guarantee approval for a credit card through their partner company and if the partner credit card company declines the application then credit karma will pay {$50.00} to the applicant. Ive applied for a card that this guarantee was offered by Credit Karma on two separate occasions and both times after applying my application was denied by the member company which is XXXX XXXX. 

Ive included the documentation that XXXX XXXX has provided to me stating its declined and even provided the date of the denied application. Ive contacted credit karma via their live chat and over the phone and requested the money as per the guarantee. In both instances over the phone and live chat Ive been told that they are escalating the request to a senior specialist and I will be receiving an email within 48 to 72 hours and to please keep a lookout for my email. Ive tried for over a year now to obtain the {$50.00} provided in the guarantee and screenshotted the guarantee to provide it here in the complaint. Both instances Credit Karma has not responded or sent a response. I also reported this transaction to the XXXX XXXX XXXX for further investigation and Credit Karma has not responded and provided a pdf document that states this and the XXXX recommended that I file the complaint with the CFPB for further assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the listed accounts are not accurate, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I never applied for this and is not tied to any of my accounts.

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