vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have a XXXX checking account w/ American Express National Bank XXXX We contacted them on XX/XX/XXXX to resolve a fraud related issue. 

I was reviewing our XXXX  account transactions, and noticed an XXXX transaction that was not approved ( {$16.00} Audible charge ). We spoke with an AMEX rep that informed us our business debit card had been used to perform the transaction, would temporarily assist us by restricting the card, and ask the Fraud Dept to follow-up with us. We were not informed that our account would be restricted. 

The following day, I received a follow-up call from the fraud dept who left a XXXX with a reference number. I followed up with them on a Friday XX/XX/XXXX, but it was a holiday, so I was informed the fraud Dept was out and to call back on Saturday. I obliged but made it known that no one had ( XXXX ) communicated the hours of operation for the department and ( XXXX ) that our whole account was restricted leaving us in the dark regarding any pending business transactions ( this was not clearly communicated to us by the rep ) I called on Saturday XX/XX/XXXX, was transferred to the Fraud Department again and was informed that whomever was in charge of our issue was not in and we would have to call back during the week. 

This inability of American Express National Bank to appropriately address a common account issue ( i.e. debit card fraud ) is damaging to a small business, especially when it results in the restriction of their WHOLE ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I believe Wellsfargo is in collusion with other major banking companies to not provide any interest on savings or checking. I have been contacting them since XX/XX/2021 when the XXXX started raising rates. The only response is commiserating were sorry responses. I am currently receiving only XXXX percent, XXXX basis point. They have raised the interest rate on credit card and loans all along this year. Thanks

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 2022-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is a response to XXXX. Transunion should remove XXXX XXXX XXXX XXXX from my credit report. 
According to the Fair credit reporting act, the investigation should take only 30 days or 45 days in some special cases. Transunion has been investigating this issue for over 120 days with no report. It is illegal for them to be requesting additional 60 days. I demand they provide documents for the investigation done for the past 120 days. 

They should not be able to continue to jeopardize my family 's live - and cause hardship by including this erroneous information in my report. 

I have requested that Transunion remove the XXXX XXXX XXXX XXXX that they have on my credit report since XX/XX/2022. Since then I have sent a dispute letter every month and received no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Transunion is violating my consumer right by not providing any documented evidence that they did the investigation.

Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. Acting for additional 60 days after over 120 days already is unfair and illegal.

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 2022-11-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not 100 % accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXXXXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. Transunion reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for trans union XXXX Transunion is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed on XX/XX/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 2022-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NM

Complaint narrative:
I am not able to get into my online account for Direct Express. When I call the number on the back of my card I am asked to enter my PIN number. I don't enter my PIN number i am hung up on. I can only hear XXXX transactions on the phone. I have to wait on hold for XXXX to XXXX mins to speak with someone. My card does not work at the gas pump. I get charged for purchases I did not receive. I am not refunded and I can't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  wrong billing dispute unauthorized charges were not recovered closed account due to improper investigations refusing to fix XXXX XXXX .and payments fees etcs bad deceptive business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: FL

Complaint narrative:
On XX/XX/22 I purchased XXXXXXXX XXXX XXXX XXXXXXXX. The item arrived damaged and not as described. I immediately contacted XXXX XXXX, sent them photos and asked them for an address to return, They declined my request. I then submitted the request to return the items a XXXX time, XXXX XXXX again declined to accept the return. I then opened a dispute with Capital One for the total amount of {$46.00}. 

Capital One then sent me a link to send a photo of the damaged item, I did so on XX/XX/22. I confirmed that they received the photo and confirmed that the dispute would remain open. 

Then on XX/XX/22 then mailed me a letter saying that they were closing the dispute. On XX/XX/22 I called Capital One and went over the matter with representative XXXX, who was no help at all. 

I got my new statement today and they re-billed the charge in the amount of {$46.00}. 

The bottom line is that I am not paying for damaged goods, The merchant will not accept the return and there is no other recourse than to go through Capital One. I am still happy to return the items but have no address, XXXX XXXX will not provide a return address. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/22, I reported unauthorized transactions with Apples Goldman Sachs card. There was nearly {$3000.00} in purchases applied to my card which occurred inside of an app from XXXX. It has been more than 2 months and now I am receiving messages that my dispute was not in my favor and the charges are reappearing on my card. I had just paid off my card prior to these charges being made and the company is not willing to see my view on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Co XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Co XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022, my Bank of America credit card must've fallen out of my pocket. I was in XXXX on the XXXX XXXX. I still used my card through my phone 's digital wallet for the subway that day, not knowing that the physical card was stolen and being used to make unauthorized purchases. - When I realized that evening, I checked my banking app and saw XXXX transactions on the card that I did not recognize, totaling {$340.00}. I paused the card and reported it. - I filed a fraud dispute and thought everything was settled. Then I received a letter on XX/XX/2022 informing me that the claim had been rejected because : " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' - There was no PIN for the credit card so it could be used by anyone who picked it up off the sidewalk. And if Bank of America had bothered to actually look at the signatures, they would find that the signature was not mine. - I can no longer see the specific establishments that the card was used at because they are all blanked out with " Fraud Dispute '' on my bank statement. But the thief made purchases at various pharmacies, restaurants, and stores in XXXX within the span of a few hours on XX/XX/2022. - My BoA claim number is XXXX. 

Thank you, 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 2022-11-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sam 's club credit master card issued by Synchrony Bank, last XXXX digit card # XXXX, i order a XXXX XXXX from Sam 's club through on line on XX/XX/22 but quality not same i ordered on line then i called Sam 's and returned it as per discussion on Sam 's, XXXX picked up on XX/XX/22, XXXX ref # XXXX dated XX/XX/22 and Sam 's XXXX request ref # XXXX dated on XX/XX/22, i talked to Sam 's club credit department to get my credit to account but they said it will take time XXXX to XXXX weeks but i don't any credit yet, i called today on XX/XX/22 and her name XXXX, she said she's XXXX of department, she said case closed? not sufficient documentation, so i asked XXXX please XXXX this case, so i can get my refund amount to my account as your earliest convenience, I have all document if you need i'll send it to you. 
Thank you in anticipation, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Texas XXXX ph # XXXX XXXX XXXX ( Home ) XXXX XXXX XXXX ( cell )

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 2022-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I had an auto loan through Bridgecrest secured by my car, a XXXXXXXX XXXX XXXX  XXXX. 

On XX/XX/XXXX, the car was in a total loss accident. Insurance Claim was processed through XXXX, and Bridgecrests loan was repaid in full. After the loan was repaid, Bridgecrest has failed to provide a full refund for the overpayment they received. 

XXXX shows two payments made to Bridgecrest. One payment on XX/XX/XXXX for {$38000.00} and a second payment of n XX/XX/XXXX for {$20.00}. 

Bridgecrest shows they received a payment of {$38000.00} from XXXX on XX/XX/XXXX, repaying the loan in full ( including interest ). They then show this payment reversed on the same day, and then two separate payments received from XXXX on XX/XX/XXXX for {$38000.00}, and for {$20.00}. Bridgecrest claims to have received {$170.00} less than what XXXX actually paid. 

I have received two paper refund checks from Bridgecrest for the overpayment. One for {$150.00}, and the other for {$750.00}. I deposited both checks, and several days later Bridgecrest sent a stop payment for the {$750.00} check and the deposit was reversed. 

I have followed up with Bridgecrest via phone for an explanation several times only to be told their accounting team is working on it and to call back next week. My account access through their portal was automatically terminated once they received repayment, so I have no access to the account information other than the transaction history they shared over email. The Bridgecrest transaction history does not match XXXX payment records ( neither payment amounts nor dates ), and inaccurately shows my XX/XX/XXXX loan payment of {$750.00} was refunded. Bridgecrest has not been able to confirm the amount I am still owed, or when I can expect to receive funds from them despite several phone calls and weeks of waiting. I do not believe they can be trusted to keep accurate account/payment records, and they do not appear to have any intention of refunding me for the {$770.00} of overpayment they are still holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
On Monday, XX/XX/XXXX I reached out to XXXX hop finance about my past due balance for XXXX dollars and asked if they were going to be taking the vehicle. I was told that the account has to be at least 30 days past due. The account is not 30 days past you, but they came and repossessed my vehicle today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have had a XXXX credit card with comenity bank for over XXXX  years. I misplaced the card during a move to a new home that was then renovated for a year during Covid. I did not use the card during that time frame. I logged into the account on XX/XX/XXXX and reviewed my available balance which was {$1400.00} with no issues Account ending in XXXX. I attempted to request a new card through the online secure message system and I was informed my account was closed on XX/XX/XXXX and told to reapply for another. Not only that the day after on XX/XX/XXXX I attempted to login to my account only to discover an error message detailing that the login information I input was invalid as if the account no longer existed. I contacted customer service via phone XXXX  times and the automated system hung up on me each time after verifying the last four digits of my social. I suspect foul play. 

This is outrageous and unethical for a number of reasons. I regularly used the card and paid for my balance in full. I have never been late, or missed a payment, I generally kept a {$0.00} balance on the card after using it. I provided good business to comenity bank in good faith for years, for comenity to engage in a business practice that would negatively impact my ability to qualify for new credit and retain credit at reasonable rates is bad business. All of the good previous history I have on this credit card has been negated! I now also have no access to previous records. And reapplying would be another hard inquiry on my credit which would consequently negatively impact my XXXX XXXX. I would like to speak with someone about reopening my account.

Company response to consumer: Closed with explanation