vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Regarding a XXXX American Express XXXX : I incurred a late charge. I requested a credit/grace due to my belief of having being a good customer. While this event does not happen regularly, most companies are willing to do this. The agent explained my spending behavior/amount didn't warrant a credit. A supervisor essentially said the same thing and that the " system '' wouldn't allow it. 

There were long pauses and I believe this was a tactic recommended to get customers to give up and hang up. I was told there was no customer retention or compliance department. 

I requested the account be closed. I was read a disclosure. A few weeks later, I received a promotional email. I logged in and learned the account remained open. 

I feel the act of not closing an account is a systemic problem whether it be performance metrics AMEX holds on customer service personnel or that leadership explicitly trains as tactics. I feel deceived as a customer. 

I believe the call took place on XX/XX/30 or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NH

Complaint narrative:
On sunday XX/XX/22 my daughter sent me her savings from her CashApp account to be placed in her external bank account by me. She sent it to my old account that I no longer have access to the phone associated with the account. I have called, emailed and chatted with support almost daily since the occurence. I have given then plenty of identifying information and they still tell me I don't pass their " required data points '' to regain access. I have been told the money is still sitting in my old account and they refuse to even send it back to my daughters account. It is over {$500.00} they are keeping and I cant even get the to tell me any reasons for this. They state " we can not provide you any more information in this case. '' That is not okay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Life Line Billing Systems, LLC
State: WI

Complaint narrative:
I was to receive a check from the government in XXXX, but found out it was intercepted. I called the number listed and was told it was due to this unresolved medical debt. I explained to the women I am on social security XXXX, that I am fully covered and my information was provided at the hospital. She told me that it was too late to refund me the money the state intercepted, and that she'd talk to her manager to see what they could do about applying my insurance so late after the fact. She told me she would call me back. I never heard back. I only see that the {$20.00} something payment was applied to the debt, and it's affecting my credit. This makes no sense when I have full coverage insurance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One closed out my Spark business credit card and then allowed three debits onto the account after it was closed. This resulted in interest and late payment fees over about 6 months. The result was disastrous to my credit score and has inhibited my ability to get a commercial lease to continue operations of my sole-proprietor business. Multiple calls to the company have yet to fully resolve the issue. XXXX XXXX is also involved as two of the debits are returned payments from the bank that Fidelity uses. 

Multiple agents at Capital One report the account was closed on XX/XX/XXXX ( all of this year ). There was a returned payment of {$4400.00} posted on XX/XX/XXXX. There was a returned payment of {$1600.00} posted on XX/XX/XXXX. I don't know what happened to the money from these -- it certainly did not come back to me. I've informed Capital One that I authorized the payments from good available funds and that they can collect from Fidelity or the bank Fidelity was using. I no longer have an account nor do I do business with XXXX XXXX. 

Further, there was a charge of {$1200.00} posted on XX/XX/XXXX from XXXX XXXX XXXX that must have been fraudulent as it was a week after the card was closed ( and I wasn't anywhere near the same state as that hotel at that time ). Capital One seems to be working on this one. 

At the time I was informed that the account was closed I thought there was no balance due and no problem ( fully paid off ). I was not informed otherwise by Capital One. 

I seek to have the returned payment debits removed from my Capital One account and all interest and late payment fees ( amounting to a total of {$970.00} ) reversed or removed. The maximum that I owe Capital One should be less than {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened and funded a checking and savings account on XX/XX/XXXX with HSBC bank, after a couple of days they told me that the account has been recommended for closure, I've spoke to many people on the phone and not one person can give me a reason why. They told me that the bank will return the funds to the account which I sent the money from and it has been over a month now and they are still holding my money without any explanation whatsoever. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I had gone to XXXX XXXX XXXX for XXXX testing on XX/XX/XXXX. 
They billed my insurance and I have proof of my XXXX 
I received a letter recently from a debt collector called M. LEONARD & ASSOCIATES with a date of XX/XX/XXXX. However I received this mail about a month ago which was XXXX of XXXX. On the letter says they are collecting {$240.00} plus XXXX on behalf of XXXX XXXX XXXX. 
On my XXXX says XXXX XXXX has paid for the test and patient responsibility is {$0.00}. 
When I called M. LEONARD & ASSOCIATES, XXXX XXXX XXXX claims that XXXX had reached me through my email to authorize a charge which I did not respond. Also claimed that I had put an ( XXXX ) number, and demanded that I pay XXXX XXXXXXXX I have no record in my email that exer tried to reach me to authorize any amounts to pay. 
I have logged into my XXXX account and reviewed my chart, and the phone number is correct. I do not understand when I was financially responsible to pay the given amount. The covid testing was already paid for through my health insurance. XXXX never reached out for any authorization. I have proof through my insurance. M. LEONARD & ASSOCIATES has negatively impacted my credit report. It is creating an impact on my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
According to the Fair Credit Reporting Act, XXXXection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XXXX  - The inquiry was not authorized 4. XXXX XXXX - Identity Theft 5. XXXX XXXX  XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information. 


* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file.

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 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My husband and I applied for a loan to pay for emergency replacement of our septic system, without which our home would not be livable. We also requested a large enough loan to take care of some other home repairs and upgrades. The bank we applied to last XXXX was the one that already held our mortgage. We applied in XXXX and -- because of the emergency nature of the septic replacement -- had to hire a contractor before the loan was approved. In late XXXX the bank officer we were working with told us the loan was provisionally approved pending one last item : a home assessment. The assessor said he needed to see county health department approval of the work done on our septic system. Before completing this work, the contractor insisted on being paid a significant percentage of what we owed. For that reason, we drew down our cash reserves and put the large remainder on a credit card, which we planned to pay off as soon as the loan was approved. This left us in a precarious financial situation. However, Chase did not approve the loan upon receipt of the home assessment. Instead their representatives started demanding more and more documentation from us and refused to explain why. Chase representatives also stopped communicating with us in a timely manner and had to be prompted to do so. After I sent a complaint letter to the bank branch manager, I received a phone call from a Chase customer service representative insisting the only way I could follow up on the complaint was over the phone. When I told him I am hard of hearing and asked to communicate via email or text, he insisted that the only way he could communicate with me was verbally, despite the fact that this is a violation of the Americans With Disabilities Act ( and I have already filed a complaint with them ). By XXXX we realized Chase was not going to either approve or deny the loan. For some reason, they were keeping us in limbo. So we found another bank that approved the loan in three weeks. In our opinion, Chase was negotiating with us in bad faith, which endangered our family 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX I have send in this view letters about these inquiries that are onauthorize and they have failed to properly investigate it right the next day they come back verify as accurate Equifax is not doing the job is to investigate the accuracy of these inquires they have violated the federal credit acc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: WI

Complaint narrative:
Today was my last phone call attempt to resolve this with TransUnion before filing complaint. Once again, I was lied to with FCRA guidelines blatantly being disregarded and ignored. 
For the past twelve months I have tried and been unsuccessful in attempting to have TransUnion comply with FCRA guidelines, section 609. I have sent letters and faxes that have gone unanswered and have been ignored. When I call I am fraudulently told that Inquiries can not be disputed and that they are factual. Per FCRA 609 this is a lie. I am also told to file FTC report and only then will the inquiries be removed. I have filed FTC report and mailed to TransUnion via certified mail. TransUnion has placed fraud alert on my report but has refused to remove the inquiries and claim they have not received FTC report despite them being mailed certified mail. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no permissable purpose with no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. TransUnion blatantly ignores the FCRA guidelines and is blatantly violating FCRA and my consumer rights. Furthermore, I have contacted the businesses in question ; I am told they were never contacted by TransUnion, I am told they can't find an application or authorized signature from me and they tell me to contact TransUnion. Then TransUnion gives me complete runaround. For TransUnion to lie and say inquiries can not be disputed, to claim they have not received FTC report but to place fraud alert on my report is blatant indication that they have no regard for the law or consumer rights. Per FCRA, I am allowed to sue for monetary compensation should I pursue legal action. I demand that TransUnion comply and remove the unauthorized and inaccurate inquiries on my credit report.

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 2022-08-12 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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