vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America Credit Card : XXXX Exp date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX, CO XXXX XXXX. ) On XXXX I attempted again to contact Bank of America credit card call center or disputes dept. Again, the first 30 minutes consisted of needing to make 4 separate calls due to " automatted attendent '' hanging up on me for my insistance to speak to a rep and not be looped into circles to nowhere with the auto attendant. 

XXXX. ) My objective this time was to contact the disputes department and inform them that I resolved the matter with the merchant and wish to close 1 claim. 

-This is the XX/XX/XXXX charge from " XXXX XXXX for {$74.00}. '' XXXX. ) There was a publically listed number on Bank of America 's website for a " direct phone number to the dispute department. '' It said for " non-fraud '' disputes. 

-After 30 minutes on hold it was the fraud department not claims when they answered. After he transferred me to the disputes dept. After 24 minutes someone answers. It was the disputes dept who told me he can't process this as his computer is down or had some other issue he did not say.

-Again, after being on the phone for approximately 1.5 hours, he transfers me again and emphasizes that is the department to help with this matter.

-20 minutes later the next department answers. It is the fraud dept again. Apparently, the specialist working in disputes could not process a simple disputes matter and sends me over to the fraud dept ; right where I began 1 hour earlier. 

4. ) I've exhausted the time a reasonable person can take for an incredibly simple matter. 

-Please cancel my claim with XXXX XXXX charged on XX/XX/XXXX in the amount of {$74.00}. 

5. ) The public, your customers and I are on to the fact you do not want customers to contact you to solve this inquiries with an " artificial wall '' you use to block people from making contact including how you program your app to just hang up on someone who is prompting the system to transfer to your general call center vs repeat the same answers the robot never understands and misdirects the call to nowhere. 

However, this is extremely pathetic. 

If you have invested so much into avoiding talking to customer and avoiding handling the matters they need help on in their financial accounts, you should set up a self-serve option so customers can do all this themselves. Your mobile app you push everyone to does not handle most matters I need to contact your company about regarding my financial accounts. 

>>>So this issue is clear. This is not an isolated incident or experience. This is what has happened 95 % of the time I have called Bank of America for anything over the last 7-10 years as a customer.

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 2024-05-23 00:00:00
Product: 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Hello, I received XXXX American Express XXXX  from a company. XXXX for {$25.00} and another for {$100.00}. I successfully activated both cards, but after multiple attempts across various retailers I was never able to access any of the funds. Big companies including XXXX and XXXX declined payment. I contacted American Express customer service and they were not able to re-issue the e-giftcards or offer any solution on how to actually use or access my money. 

These virtual cards are declined online and via XXXX XXXX XXXX XXXX no one will take these cards. 

I call AMEX customer service again today and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. They have suggested I " keep trying, perhaps at XXXX or XXXX ''. I asked if they would issue a physical card with my information attached ( since that is why they claim merchants are declining the cards ) and they said no. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. Today, customer service specifically told me that if I can not successfully use the e-giftcards before they expire ( one does in XX/XX/year> and the other in XX/XX/year> ) then I will lose the total amount and there is nothing that can be done. They have falsely advertised that their gift cards can be used anywhere that accepts American Express cards. On my e-giftcard it is the very first line! " Use at XXXX merchants that accept American Express XXXX '' This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for months after multiple attempts. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

I am happy to submit the relevant card information and balance if needed. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND EMAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I paid my collection account in full and have received proof of payment from the creditor. My credit report is still showing the collection which is negatively impacting my credit score. I would like the bureaus to remove the collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I believe the account is invalid. VYSTAR CU ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.VYSTAR CU 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
15 U.S. code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive been putting complaints about Experian credit Bureau that you can not get a live person and every time I put complaints in experience is sending me credit reports that I did not ask for I never asked him to send me anything. I need to talk to a live person, I have called you on the phone and you told me you was gon na take care of it. My existing complaint number is XXXX. And I dont know why Experian keep on sending me these credit reports because I did not ask for a credit report. I never can talk to a live person. I came to you over and over and told you I have papers from XXXX XXXX XXXX to try to track my credit. Experian have lied to me and told me they are monitoring my credit free in my credit for free because they got hacked into and I was the person that the information was taken. They have not been monitoring my credit not my credit now XXXX XXXX XXXX got hacked into. Im trying to notify them, I can not live and I have told you over and over and the questions the XXXX XXXX is asking me its not what I need, when you say none of the above, it keep on asking you the same old questions. I need for you to do something you told me I have to wait 30 days but they sent me my credit report and I never asked for it if I start getting identity theft now where do I go to sue somebody because I cant get a hold of anybody at Experian

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to check my credit report and it stated I have some unauthorized and unverified inquiries on my report that I didnt make myself. They were from 2 credit bureaus ; XXXX XXXX XXXX. XXXX was a Citi Bank inquiry from XX/XX/XXXX & the XXXX was another inquiry made via XXXX XXXX on XX/XX/XXXX both of which I dont have any open accounts with. Ive called each of the banks to get this problem solved and nobody was able to assist any of the several times I called. Either I was talking to a computer, a person with a strong dialect that I couldnt understand, or just people redirecting me to more people who couldnt help me after being on hold for hours at a time.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute a late payment that is inaccurately reported on my credit report. 
This incorrect information is negatively impacting my creditworthiness, and I request its immediate removal.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I can not pay or get to my money in my Juno Account which is linked to Evolve Bank & Trust. What can I do? I need to make some purchases, but everything is being declined, even thought the money is in the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I took out a car loan with XXXX XXXX XXXX a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with car..I took back to dealer within the first 2 weeks and complained the car was not up to par as dealer promised me..he then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a XXXX  from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at fault..Im a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with XXXX XXXX XXXX and nothing has happened so far..I was taken advantage of and sold a lemon and miked out of 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I took out a car loan with XXXX XXXX XXXX a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with car..I took back to dealer within the first 2 weeks and complained the car was not up to par as dealer promised me..he then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a XXXX  from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at fault..Im a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with XXXX XXXX XXXX and nothing has happened so far..I was taken advantage of and sold a lemon and miked out of thousands of dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I took out a car loan with XXXX XXXX XXXX a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with car..I took back to dealer within the first 2 weeks and complained the car was not up to par as dealer promised me..he then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a XXXX  from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at fault..Im a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with XXXX XXXX XXXX and nothing has happened so far..I was taken advantage of and sold a lemon and miked out of thousands of dollars

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX  BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from 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 2024-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I ask the for original documents with signature, they didnt send it but they updated the amount.

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