vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was a customer of American Express for over 30 years. In XX/XX/XXXX, I encountered a problem with a prepaid rental car reservation through a 3rd party vendor ( XXXX ) that was unfulfilled by XXXX. This reservation was paid in full in XX/XX/XXXX on my American Express card in the amount of {$290.00}. The rental period was to have begun XX/XX/XXXX, but when we want to pick up the car, there were no cars available. Since my contract was with XXXX, I tried to obtain a refund from them, but they refused. I immediately filed a dispute with American Express and uploaded all relevant documents. I should mention that, in addition, I also incurred {$280.00} in alternate transportation expenses. American Express was very polite and said they " had my back, '' but they ultimately denied my dispute, siding with rentalcars.com, who falsely claimed I was a " no-show. '' The dispute process dragged on for almost 2 months. I became so frustrated with American Express, that on XX/XX/XXXX, I called to cancel my account. My call was routed to an automated system, and although I would have preferred to speak with an agent, no human took my call. The automated system indicated I would receive a {$100.00} credit for the unused portion of my annual membership card fee. Shortly thereafter, I called American Express to demand a full refund of the {$250.00} annual fee, as their customer service was so deplorably lacking. They opened an inquiry, but no outcome was communicated to me, and at a minimum, I never received the {$100.00} pro-rated credit as indicated by the automated system. After repeated phone calls to follow up with American Express, I was told conflicting outcomes : That I would receive the full {$250.00} as well as {$0.00} credit. In reality, I finally ascertained that I would not be receiving a credit for any portion of the {$250.00} membership fee. On XX/XX/XXXX, I spoke with an agent who suggested that I reinstate my card and use it for the remaining 4 months of the membership period. I realized this might be the most practical solution under the circumstances, and requested that my card be reinstated, but the agent was unable to do so, indicating that I would, in fact, have to apply for a new card. This likely would have required the payment of another membership fee, which I certainly would not do. Therefore I am out of pocket {$830.00}, not to mention the many hours I spent between XX/XX/XXXX and XX/XX/XXXX trying to resolve these compounding issues, which were all resolved in favor of American Express and their vendors. At the same time, they continued to assure me that they " had my back, '' which couldn't be further from the truth. American Express is clearly profiting by misleading their customers, to their financial advantage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have pulled my credit report and saw accounts that I am not aware of, These accounts should be deleted from my credit report since this is a violation. 

Late Payments 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

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 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received my XXXX XXXX  bill in XX/XX/XXXX what indicated that my taxes were not paid in XX/XX/XXXX. My XXXX XXXX were paid from my XXXX XXXX as per my XXXX XXXX in XX/XX/XXXX. I contacted XXXX XXXX mortgage department on XX/XX/XXXX, submitted taxes bills I received and they opened an investigation case what they said should be completed within 14 business days. 
On XX/XX/XXXX I contacted bank to check on the incident progress and was told that there is no updates and was advised to contact XXXX XXXX regarding taxes paid in XX/XX/XXXX. I I contacted XXXX XXXX billing on XX/XX/XXXX and was told that my bank sent taxes in XX/XX/XXXX to the incorrect taxes parcel # XXXX XXXX sent payments back. I contacted bank again and provided this information. Bank confirmed that they have incorrect taxes parcel # on my account, claimed they corrected XXXX XXXXr and will process taxes as soon as possible. 
On XX/XX/XXXX ( 14 business days since my case was opened at the bank ) I contacted bank since I did not see any XXXX XXXX were made from the my escrow account, neither payments made in XX/XX/XXXX were reimbursed to my XXXX XXXX. Bank stated that they will not be able to send taxes by the end of the year and suggested I pay taxes myself and they will reimburse after they run escrow analysis with corrected taxes information. Bank also said they will cover all late fees and any other fees I pay. 
I payed my taxes, $ XXXX in total on XX/XX/XXXX with my credit card issued by the same bank and submitted payments receipts to the bank as they requested. 
I contacted bank on XX/XX/XXXX to follow up on my XXXX balance ( what showed {$0.00} online even though I pay {$600.00} every month to XXXX ) and XXXXt and apparently the bank did nothing. XXXX XXXX was not run, payments made in XX/XX/XXXX to the wrong XXXX XXXX # are not back to my escrow and none of late fees and processing fees were reimbursed to me or to my escrow. I was told by bank that they will run XXXX XXXX  in XXXX, but regarding XX/XX/XXXX incorrect payments and fees I have to contact taxes department and open the case again. I asked bank whether they can give 0 % APR for my credit card for few month till they resolve the issue and send me extra $ from my escrow back, but they said nothing they can do and suggested to open new credit card in other bank and do balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I attempted to transfer {$200.00} to my pastor 's Venmo account for handling memorial svc for my father. My acct was frozen and no explanation given. After several email exchanges with Venmo reps who stated they'd escalate issue, acct is still frozen. On or near XX/XX/XXXX I provided photo of driver license and selfie holding it as requested in Venmo email. Acct is still frozen with no reason provided. 
On XX/XX/XXXX I advised them via email that unless my {$200.00} was refunded/returned via bank acct in my Venmo profile or mailed to physical address in my Venmo profile, I would be contacting an atty. Still no reply other than an automated email asking how their email correspondence is rated by me. Still no reason provided for holding my funds. 
I'll never use their svcs again so they can shut my acct down - only after all my personal info is deleted from their database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$19000.00} ), 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX Ive reached out to Cashapp to understand why my account was locked. They gave no explanation but saying that the account is locked and I need to verify my information which I did. Its been almost a month since now reaching out here for assistance, trying to get it unlocked. My daughter helps with my account and there has never been any issues before. I reached out to them multiple times and they just state the same statement over and over in a robotic sequence. Which I will attach to this complaint. Im an older lady and Ive never had such poor customer service regarding how to handle an inquiry. Ive just reached out again and still the same reply. I dont know who Ive sent my personal information to, but it was sent and now they have my Government ID and face picture to authenticate who I am. Yet Im still not receiving any emails or explanations. Can you please help with this situation. It is happening to other people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The company mailed out to me a pre-approval letter on or around XX/XX/2023. I responded to the offer that stated i would receive an approval in as little as XXXX seconds. That did not happen so then I received an email stating that its under review and this action can take up to 1 to 2 business days. 2 days has passed, I received another email that stated that i was approved tentatively pending receipt and verification of my employment status. i uploaded the required documents and later that day I received a phone call from a PenFed representative stating that they will have to call my employer to see if i worked there. Something i never heard of before from an institution that is approving you for a Credit Card. The next day I called and had questions on why they would need to call my employer direct, after I've uploaded ; requested documentation that was sufficient enough to validate my identity and annual salary. This went on from XX/XX/2023 XXXX. I spoke with several PenFed representatives and was told different theories and reasonings on why my application process was taking so long. I was told PenFed reached out to my empolyer and my employer had to call a number in 48 hours ( which if the company stated they reached out to my employer than that should have been determined that i was an employee ). I was told that they were waiting on a letter from my employer because of my annual salary ( which I know personally that was false ). I was also told that my employer had to upload documents. As you can see all of these hurdles and obstacles because PenFed probably did not think i was telling the truth about my annual salary which is alarming and shameful. I have a great credit score as well as high balance cards due to how i maneuver with my credit profile and my annual salary. In conclusion, I believe it was False advertisement on their behalf as well as discriminatory practices and this situation should have been handled differently.

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 2023-02-07 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XX/XX/2023. Someone tried to open up credit card with my name while using the wrong address and it also got approved but was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: DE

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OH

Complaint narrative:
I have a checking account with Key Bank. I had a debit card attached to it ending in XXXX. From XX/XX/XXXX to XXXX of XXXX, a company withdrew funds from my account without my knowledge. They were monthly charges for {$16.00}. Because I don't use this account and because I have a line of credit, this constantly overdrew my account and my line of credit covered it. The bank is claiming I had to notify them within 60 days of 'errors ' on my account. These were not errors ... this company stole from me. It is theft and fraud. If you so a search online, other people have been scammed or defrauded by this company as well. I believe I am protected from instances of fraud and would like to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received 6 emails the morning of XX/XX/23 from Bank of American about an account that was being opened ( fraudulently ) in my name. I called BofA and they assisted in closing the account. However, when I asked what information was provided to Bank of America, like phone number and mailing address, identification, they told me it could not be provided. 

I asked what requirements for their Customer Identification Program / Know Your Customer were satisfied in order for them to open the account. I was transferred a few times but never received an answer. I feel as though Bank of American may not be following any guidelines for Know Your Customer / Customer Identification Program if this account was opened so easily.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony bank has told me over the phone that I should immediately mail payment ( the day the bill is received ), but their payment processing window is 10 days. I have been charged ( and disputed ) a late fee every month since I opened this card to purchase art. In XX/XX/2023, I specifically called the day I received my statement to tell them it was already within the 10-day window. They offered to take payment over the phone, but the representative barely spoke English and my trust is already broken. I mailed the check with signature confirmation. It was received and signed for by Synchrony on XX/XX/XXXX. The check ( {$15000.00} payoff ) has still not processed and as of XX/XX/XXXX I am being told it will be considered late as of today and they are claiming they do not have it. They offer a no interest card, then work very hard to charge late fees since they arent getting money in other ways.

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
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
During later XXXX of XXXX, I viewed my credit report to see what I could do to improve my score. I saw an account in collections for National Credit Systems and searched for contact information, as I was unaware of this account being in collections. National Credit Systems state that the account is from XXXX, but have made no efforts in contacting me ( phone call, email, mail, etc. ) to inform me of the debt. When I spoke to the company in XXXX, they refused to send me any debt verification as well as offer as form of options for dispute/mitigation. I called the company again today XX/XX/XXXX and received the same answer : they do not provide any documentation regarding the debt. The company informed me that they offered me a settlement of the debt, but they have not contacted me about it. I had no idea an account was reported and that there has been a settlement offer. They've had my phone number and address on file yet I have been denied verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
During Covid I moved. The XXXX internet modem needed to be returned within 90 days to ups store. All stores were closed and I didn't get the equipment back within the window. 

I did return the equipment and have told the collection agency this and showed them the receipt. 

Every six months they start again even after multiple calls where I've explained the situation and told them nothing was owed and they were now harassing me for an unowed debt. 

The company ERC from XXXX Florida has an XXXX call center that only cares about getting money not resolving the issue. This is a bad reflection on XXXXXXXX XXXX  XXXX because they have been no help in stopping the calls.

Company response to consumer: Closed with explanation