vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Thank you for your attention : I have been an American Express Serve Cardholder for, I believe, about 5 years. This is a prepaid card that I use for mail order and travel for better security. I have been very pleased with their services to date. 

On XX/XX/2022 I used my card.to purchase a hotel room from XXXX XXXX XXXX, XXXX. I purchased my room via XXXX, thus, my hotel stay was prepaid. 

On check in, I was told that there would be a security hold put on my account, which is customary, and usually lasts for no longer than 1 week. The hold put on my account was for {$170.00}. 

Weeks later, I noticed those fund were still on hold, and I inquired with the hotel the last days of XXXX. I was told by the hotel that those funds were released by the hotel to American Express the next day, XX/XX/XXXX at XXXX pm. The reference number they gave me was XXXX. The hotel phone number is XXXX. The customer service representative is XXXX. 

I called American Express Serve today to inquire, was sent to the " escalation '' desk around XXXX am. There, I explained the situation, including the release information, and was told that American Express Serve " always '' holds funds for 30 days ( meaning a XXXX release ) regardless of the merchant releasing funds at any date. 

Really?? This seems exceptionally unfair to the card holder, and fabulous for American Express. I would expect this to be front page news in the XXXX pages of national newspapers ( I worked for the XXXX XXXX for 7 years ). 

So before I kick this issue up to the media, and to put this department on record, can you please confirm or deny that this policy is legal and acceptable to your department, and why? Your department and this government supports this policy? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TX

Complaint narrative:
After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.

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 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
A {$500.00} prepaid gift card was purchased from the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. In addition to the card value, a {$5.00} fee is also charged. Upon attempting to register the card at on their website at XXXX on XX/XX/XXXX, to be utilized on line, the card showed that all funds had been utilized. I immediately checked the transaction history for the card and saw charges that were not conducted by me or my wife. We immediately contacted the card company utilizing the number on the back of the card of XXXX and started a dispute claim. We were given a claim number of XXXX. They also blocked all access to the card so that we no longer have access to the charges in dispute. We were unable to make a police report without access to the charges. We were told a representative would contact us in 3-5 days, but that a resolution could take up to 90 days. After not hearing from the company in the 3-5 day time frame, I called them again on XX/XX/XXXX. At that time I was told we were given wrong information by the first representative as they do not follow up by phone. The representative told me that all of our paperwork had been received, and that we would hear something by mail within 90 days. I received a letter on XX/XX/XXXX. The letter stated that they had made a final determination on our claim, dispute claim # XXXX. Based on their investigation they concluded no error occurred, therefore no funds would be credited and the matter is considered closed. We are reaching out to them and requesting that they reopen the case. The card does come with a U.S Bank Gift Card Cardholder Agreement ( Effective XX/XX/XXXX ). Section 6 of said agreement lists their Zero Liability policy. The Zero Liability section states " You are generally protected from unauthorized transactions. However, if you do not tell us within 60 days of he date of the first transaction you believe to be unauthorized you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money had you told us on time ''. The first unauthorized purchase was made on XX/XX/XXXX. We reported the unauthorized purchase on XX/XX/XXXX. This is well under the 60 days in this policy.

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 2022-06-01 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-01 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:
XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission

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 2022-06-01 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: Coinbase, Inc.

Complaint narrative:
I need to close my account, for that I must have it at zero, but they won't let me withdraw the amount from it due to an internal restriction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-01 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2022, I called and left a voice mail message for XXXX XXXX ( " XXXX XXXX '' ) of Barclay executive office and requested for her to contact me regarding the complaint pertaining to the dispute on the account. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I also sent an email with an attachment to XXXX XXXX at XXXX. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I sent another email to XXXX XXXX, and stated, " I sent you the email below with an attachment but have not received confirmation that you received it. I also left a voice mail message on the same day that I sent this email and no response. This issue simply will not go away unless there is dialogue in resolving it. '' I never received a response. 

This lack of communication demonstrates one thing, and that is Barclay is acting in bad faith in resolving complaints and billing disputes in breach of the cardmember agreement, and in violation of the Fair Credit Billing Act, and appropriate legal action WILL be taken within the next day or so.

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 2022-06-01 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: AL

Complaint narrative:
I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.

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 2022-06-01 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: AL

Complaint narrative:
I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BELMONT FINANCE LLC
State: NC

Complaint narrative:
XXXX The Right To Recession I'm a Consumer XXXX XXXX a natural person ; I sent a Right to Recession Notice to Belmont Finance on XX/XX/2022. On their contract there was no disclosure of my right to recession and i would like to excercise my right. 

Any Transaction Full Disclosure 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : Official interpretation of 23 ( b ) ( 1 ) Notice of Right To Rescind ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.

( ii ) The consumer 's right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 


( XXXX ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. 

( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).

So I never got a full disclosure and I have a three year period to rescind. Material Disclosures 1026.6, full disclosure the finance charge which pays the debt 1026.32 ( c )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Two Bank of America credit cards with a {$12000.00} limit and two Bank of America accounts were fraudulently opened in my name in XXXX, XXXX and another Bank of America credit card with a > {$12000.00} limit was fraudulently opened in my name in XXXXXXXX XXXX. An attempt was made in XXXXXXXX XXXX  to fraudulently open an account with XXXX XXXX. These accounts have already been closed and I put a freeze on my credit with all three credit bureaus to prevent further attempts of fraud.

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 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Recently ( around XX/XX/2022 ), I got a credit card XXXX XXXX  ) statement from First National Bank of Omaha ( account # : xxxx xxxx xxxx XXXX, balance : {$28000.00} ). Actually, it is not my card, I never applied this card, and I never know anything about it. It is a Fraudulent Card.

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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I personlly feel under privacy fact act my medical bill shouldn't be closure to public and any medical should be removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-01 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
On XX/XX/2022 I called the Equifax in reference to an account that was double reporting on my credit file, was inaccurate, was not mine and was past the statue of limitations in my state ( confirmation # XXXX ). I was told that the account was incorrectly reporting double and that the agent would dispute it and that I would be contacted about the results. As written in U.S.C. 1681i ( a ) ( 1 ) ( A ) " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' A reasonable investigation was not completed. I was not informed when the investigation was complete until I logged in and check the dispute results myself. Upon login I discovered Equifax had completed the investigation on XX/XX/2022, which was one day after the investigation was initiated. 

I did not receive anything in the mail explaining the procedure or notifying me that the investigation was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
i am a victim of identity theft.i checked my credit report and see some fraud inquiries listed that were not generated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello, I ordered a HVAC unit from XXXX XXXX XXXX XXXX XXXX XXXX. The agreed upon terms were 36 months interest free. Prior to installation of the HVAC ( XX/XX/2022 ), I had to complete financing through XXXX / XXXX XXXX / SYNCHRONY BANK. I completed the credit card application ( XX/XX/2022 ), chose the 36 months interest free, and provided banking information to pay the credit card bill. 

The total charge for the HVAC was {$8500.00}. On the first billing cycle the entire amount was paid, not the minimum monthly payment. The full payment was completed on ( XX/XX/2022 ). I contacted XXXX / XXXX XXXX / SYNCHRONY BANK on XX/XX/2022 ) and they said they would refund my payment and ensure I made the minimum payments for the 36 months interest free arrangement. On XX/XX/2022, I followed up with XXXX / XXXX XXXX / SYNCHRONY BANK and they said that no refund was or will be provided to me. The chat lady said that she would request a check to be sent to me in 2-3 weeks and would only provide a chat confirmation number and no check or transaction number. 

Im a XXXX and XXXX XXXX XXXX  The XXXX / XXXX XXXX / SYNCHRONY BANK business practices are misleading and intentionally unhelpful. 

I specifically went with this HVAC vendor because of the favorable financing terms. This is a problem for me to solve and very bad for my finances. Please help me. 

Regards, 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 monetary relief