vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I made a purchase from XXXX on XX/XX/XXXX using my Truist credit card. On XX/XX/XXXX, I returned the item to XXXX via XXXX delivery. XXXX has confirmed receipt of the item and advised me that they sent a credit of {$290.00} to my Truist card on XX/XX/XXXX. As of XX/XX/XXXX, Truist has not credited the amount to my card. I have contacted Truist several times asking them to research the issue and have not received resolution. I filed a dispute for this transaction with Truist 's Charge Back Department on XX/XX/XXXX ; they responded via US mail on XX/XX/XXXX, asking for additional documentation which I sent on XX/XX/XXXX. The letter states " Please return the requested information to our office by XX/XX/XXXX referencing your claim number so that we may provide you the best possible service ''. It does not indicate that my claim would adversely be affected if I did not reply by XX/XX/XXXX. I called to check the status on XX/XX/XXXX and was told a supervisor would return my call. On XX/XX/XXXX, a supervisor XXXX XXXX XXXX XXXX called to advise that the claim has been closed because I sent the documentation too late and that there is nothing more that they can do.

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 2023-04-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I earned a XXXX points bonus through an introductory American Express Platinum card offer. However, after being assessed the next year 's annual fee, I called American Express customer service to downgrade to Gold as we no longer wanted to pay the increased annual fee for Platinum. Before downgrading however, I very clearly asked the agent to verify that my points would not be impacted by this move and he assured me that there would be no change. This happened in XX/XX/2022. However, in XX/XX/2022 when attempting to book a flight using my points, I found that my account had been debited the XXXX points. I was confused by this as the agent had told me otherwise. When I called American Express again, the agent told me that this was because I had not been a Platinum member for a full year. I told them that didn't make sense because I had already been assessed an annual fee already so I must have hit the year mark. However, I then checked and found that I was a month short of hitting the year mark which I wasn't aware of at the time of downgrading ( and was completely unexpected given I had already been assessed my next year 's annual fee ). I told the agent that this was a very misleading practice, and on top of that, the agent I had spoken to had confirmed my points balance would not be impacted. The agent replied that they would pull up the recording itself and if that's indeed what the agent said, they would award the points back. They did say this would take up to 14 business days. Fast forward to today and I've already called American Express multiple times after each 14 business day period. They keep skirting the issue and telling me that they'll need another 14 business days to research the issue. At this point, I'm convinced that AmEx is just trying to avoid awarding me back the points I earned. I'm incredibly frustrated by the deceptive practices being employed at and am now forced to escalate this via the XXXX 

Note that this is what I wrote through the XXXX  in XX/XX/2022, and I continue to go back and forth with American Express through there but the company has not been helpful for months. I've told them to go back to the recordings and listen to them, but there's no evidence that they've done so. And they won't release the recordings to me unless I have a subpoena. I'm at my wit 's end at this point in terms of trying to deal with their agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been a Wells Fargo customer since XXXX  and they charged me all types of fees that they were not authorized to do under the law. I should have received a refund for damages as the settlement sets forth, but I have not.

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 2023-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover has inadequately handled my dispute and is making unreasonable requests. 

1. Dispute # XXXX, {$140.00} On XX/XX/XXXX, I opened a dispute concerning an item I returned but did not receive a refund for. I provided the merchant 's return instructions and proof of delivery, including the XXXX return tracking number. Despite this, Discover closed my case when the merchant submitted evidence of refunds for other items in the same order, without contacting me for additional documentation. When I spoke with a Discover Customer Service supervisor on XX/XX/XXXX, I was informed that a return proof with the full address and a refund agreement from the merchant were required. My concerns are as follows : If the full address on the return proof is essential, why didn't the Discover Dispute Team contact me before closing my case? Additionally, given that I already submitted the merchant 's return instructions with tracking information, why is an additional return and refund agreement necessary? If I could obtain such an agreement, I would not have needed to open a dispute with Discover Bank. The supervisor simply stated that neither she nor Discover could help their client and suggested I seek alternative solutions. Rather than assisting me or questioning the merchant about the lack of refund after the timely return of the item, the supervisor exacerbated the situation. 

2. Dispute # XXXX, {$49.00} I initiated this dispute due to an unrecognized charge, as the merchant charged me again for an item that I had returned and received a refund for. I provided proof of the in-person return drop-off confirmation. However, it seems that the Discover Dispute Case Manager did not thoroughly examine the documents I submitted and closed the case prematurely upon receiving irrelevant information from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MD

Complaint narrative:
An Amount of XXXX was paid to a recipient through CHIMES since XXXX XX/XX/2023 and money was never delivered up till now ( XX/XX/XXXX ) despite all Efforts..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following accounts are inaccurate ; this is my third time requesting this agency update my consumer report. My report is vital to my life and personal reputation. I'm exhausted and stress every day this account reflect my Consumer Report negatively.

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 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported balance Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was never late on the paid off account listed above. please show me documentation showing proof of transaction, showing I was ever late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

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 2023-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
We need to close an Escrow Account with Freedom Mortgage due to a change of insurance that was with XXXX XXXXNew insurance more reasonable.We are paying the new insurance directly from our account. No need for an Escrow. My husband 100 % XXXX  tax exempt.. 
Freedom Mortgage refuses to remove Escrow which leaves us making a high mortgage payment because money for Escrow is included.New insurance effective XX/XX/. 
Old insurance ended XX/XX/2023 XXXX sent proof of our new insurance to Freedom Mortgage which Freedom mortgage acknowledged that they received.

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 2023-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting 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 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/2023 TO : CFPB Wells Fargo recently sent a letter dated XX/XX/2023 to all customers who have a XXXX XXXX XXXX account. We contacted them several times in the past week, getting various responses and no resolution. They are requiring that we use a business account instead of the current personal account to make monthly ACH payments to that loan. The loan was set up 9 years ago with WFB and with a monthly ACH payment from our personal account, per their instructions. This is a " personal '' loan with collateral of a commercial building that we personally own and receive rent from its XXXX occupants. It makes no sense to open yet another Wells Fargo account, and there are $ costs involved in doing so. According to Wells Fargo in my recent phone calls to them, this is a " corporate '' change in policy, and that they are receiving many complaints. Once again, Wells Fargo is bilking customers to improve its image with investors, I believe. Think of the numbers of new business accounts that will be added! 
My husband and I are owners of a small retail business LLC which rents space in that building. The additional bookkeeping that will be caused is not insignificant. We currently report as rental income and expense on our personal tax returns Schedule E. 
The letter states we have until XX/XX/2023 to change the ACH payment method from a personal to business account or automatic payment from our personal account will be stopped. 

Thank you for looking into this matter. Something just seems wrong. 

XXXX XXXX & XXXX XXXX, owners XXXX XXXX XXXX  XXXX, XXXX XXXX Oregon, 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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital Services L.P . 
You had an account from XXXX with account number ending in XXXX. 


Reference : XXXX As of XX/XX/2020, you owed : XXXX Between XX/XX/2020 and today : You were charged this amount in interests XXXX You were charged this amount in fees : XXXX You paid or were credited this amount toward the debt : XXXX Total amount of the debt now : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never had a collection account with this collector XXXX XXXX. Please delete this account from my credit report and send me an updated copy showing the results. You are also reporting incorrect information. The account was purchased On XX/XX/2021, from XXXX XXXX, XXXX. This was mailed to me on XX/XX/2021. You are reporting that it was opened on XX/XX/2021 which is inaccurate. I am demanding that this account is removed from my credit report immediately.

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 2023-04-18 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: IN

Complaint narrative:
Your company was supposed to do a full investigation before applying anything to my consumer report. Your company never did an initial investigation. Which is a violation. I had an eviction on my consumer report for an address that I never even lived at. Due to that false eviction being in my consumer report I was denied housing from XX/XX/XXXX until XX/XX/XXXX. My family have suffered dramatically due to your companys false information on my consumer report and lack of an investigation. I disputed the address and it was removed so that furthermore shows that your company was at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of the West did not honor my dispute under 15 U.S. Code 1666 - Correction of billing error. Creditor took immediate action to close my account during this billing error and section ( b ) states " not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph '' Noncompliance of this U.S. code in section ( e ) forfeits creditors rights to collect from obligor. I am demanding Bank Of West to remove this account from the credit agencies due to this violation of U.S. Code 1666.

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 2023-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an account with truist bank on XX/XX/XXXX I was told my irs refund check that was being mailed would be available next day once deposited. On XX/XX/XXXX I Deposited my IRS Government refund tax check and I was told my account was not valid.. I tried to deposit it with XXXX  XXXX  ( online bank ) and was told truist had already ran the check through their institution by XXXX  XXXX. The check went bank to be deposited into truist and was accepted after further explaining on XX/XX/XXXX XXXX was told check would be put on hold for XXXX business day by Branch manager XXXX XXXX XXXX XXXX I was also told I would be able to open an account and have my funds available next day which was not the case. After check was put on hold then released into my account on XX/XX/XXXX the fraud department of Truist bank blocked my account and closed my account with no explanation. When I called the bank and asked for clarity they referred me to the fraud department which asked for several documents which I provided same day, upon receiving documents they advised they would need more documents to release funds including my official tax transcripts. They have cashed the check, which I can see the funds available in my account but have been blocked by the institution. I also went in the office later during the week and talked to another Branch Manager of XXXX XXXX who advised my funds would be realeased after he scanned the documents to the department of fraud. They are now asking for more documents to prove with no explanation or time frame of when I will be able to access my account. The customer service reps have been rude and have not helped at all. I would love some help on getting this resolved as soon as possible. My family is homeless and need these funds to move into our department.

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 2023-04-18 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: MT

Complaint narrative:
On XX/XX/2022, I submitted a claim to Bank of America for 4 fraudulent transactions in the amounts of {$440.00}, {$440.00}, {$440.00}, and {$83.00} totaling {$1400.00}. I received a Temporary Credit Adjustment on XX/XX/XXXX for {$440.00} and {$83.00} ( totaling {$530.00} ). I received a letter stating that my claim was accepted and closed and the amount was paid in full. I never received the additional {$890.00}. 
I have since called 3 times to have this resolved. Each time I have been told that my claim is being escalated and I will receive my funds or a call or email within 24-48 hours. I have never received a phone call, email or any correspondence back regarding this claim from Bank of America, other than the first letter stating my claim was accepted, paid, and claim was closed. Today when calling again, I was told I now have to call back tomorrow to a different department and speak to someone there. 
It is now almost 5 months after I have originally submitted the claim and Bank of America still has not released the funds to me, when the claim has been accepted and is a valid claim. I have been negatively financially impacted by 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 monetary relief