vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I signed up for a promotional balance with Ally bank where they give you a % XXXX bonus upon putting money into the account and then keeping it there for a certain time period. So, I deposited my money, confirmed with their chat that I was enrolled in the plan, and then left my money there. But I never received the {$500.00} bonus. 

I contacted Ally many times. After communicating with them couple of time by message, they can't find any way to deny my bonus ( as I did transferred the money into my account and then opened a XXXX of {$50000.00} ). Then their agent told me that " Upon review of your profile, I can see that you were not enrolled in the Cash Bonus Promo. Therefore, you do not qualify for the 1 % payout ''. I asked them that " Are you sure that is the reason - you were not enrolled in the Cash Bonus Promo.? " Their agent responded that " After an extensive review of your profile, I can confirm with XXXX XXXX XXXX certainty that you were not enrolled in our cash bonus promotion. '' Ironically, I still have the confirmation email received on XX/XX/XXXX which is tiltled " Good news : You're enrolled in the cash bonus. '' ( attached ). After I sent the proof to Ally, their agent has nothing else to say but to tell me that he/she will submit a request with a reference number of XXXX. Several months went by, they told me the same thing when I asked the status - NO UPDATES as of XX/XX/XXXX. 

What a joke! If you can't afford the bonus, just don't do it. As customers did fulfil the requirements, we are deserved the bonus. Would you, Ally, only {$500.00}?

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 2023-06-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). American Express says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with American Express, and I had it paid off when I closed it. Then, American Express says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect American Express to fix their reports to the credit bureaus from delinquent to paid on time and card closed. American Express would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to American Express, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or American Express would not have issued this {$43.00} refund check. Please have American Express fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XXXXXXXX XXXX  {$1900.00} was withdrawn from my checking account with the notation " VENMO REPAYMENT '' followed by several digits. When I called Venmo I was told this was in payment for a VENMO Credit Card bill. I told them I do not have a VENMO credit card. Subsequently I received a VENMO Credit Card in the mail that I did not request. A fraud complaint was created at that time. On a later phone call VENMO advised me that they would be sending me a refund soon. None came. Additional phone calls to VENMO resulted in them referring me to Synchrony Bank for a refund. I contacted Synchrony and was told the fraud claim had been approved and they needed the bank statement and address faxed in order to send the refund check. On XX/XX/2023 I faxed the requested items. After three weeks no check arrived. I called Synchrony again and was told that they could not accept FAXED documents and that I would need to MAIL the requested documents and information which I did on XX/XX/2023. After waiting 15 days as advised, still no check. I just called Synchrony Fraud Dept again and was told they don't show a record of having received the mailed documents and I should call back again in 3-5 days. I confirmed that they had been send to the correct address. It has been over 3 months since this happened and I have been told 3 times to expect the refund in 2-3 weeks and still nothing!

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 2023-06-25 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: TX

Complaint narrative:
XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: CA

Complaint narrative:
Purchased time share XXXX XXXX XXXX XX/XX/XXXX {$15000.00} down payment on two charge cards for a $ XXXX bill. I was told with a program they had, I would get all my money back in 20 years. I went to cancel it the next day and was told I was locked in due to authorizing them to take my other 2 timeshares. So instead, they lowered the points and cost to {$38000.00} but retained my large downpayment and would not refund. Upon returning home I found out they lied, and I was able to cancel and that no one owned my other timeshares except me, as they had NOT been transferred to them as stated. They only offered three days to cancel. I have been fighting since to get out of this contract and get my money back. 

I disputed the charges split between RCI Barclays Rewards MC {$6700.00} and XXXX XXXX {$9000.00} around XX/XX/XXXX. Both put a hold on the charges. I eventually sent paperwork and information on what transpired with this purchase. Within a month or so XXXX released me from any financial obligations. I received a notice about dispute ID : XXXX XXXX from Barclay XX/XX/XXXX that I had provided insufficient proof. I had made several calls prior to ask what they needed and received no input. I collected all the info I could and sent it to them, opening a new dispute ID : DBO XXXX shortly after the prior letter was received. 

During all of this I had been in contact multiple times with XXXX XXXX XXXX. Finally, after much push they released me from the contract because they knew their agent had lied to me. But they had me sign a paper on XX/XX/XXXX, that stated something about my having to deal with my financial obligations to the other entities that I had paid. I sent this release letter to Barclays. 

XX/XX/XXXX I received a letter stating I had provided insufficient proof again to Barclay. I called and spoke with an agent at Barclays MC who said they could not help me any further. I was beyond devastated. This means I am free from the contract with XXXX XXXX but still owe {$6700.00} for NOTHING. I recently sent everything to the corporate offices of Barclay Bank with a letter addressing this signed XX/XX/XXXX. They have not received it yet. 

XXXX did the honorable thing. I am turning XXXX in a month. I can't afford to lose that money. I have a Developmental Delayed adult daughter I support who was coerced into also signing this contract with XXXX XXXX saying it was the only way she could go with her other sister if I became incapacitated or died. This has been one horrible event in our lives that has caused me illness due to stress. I hope you can help me and my daughter.

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 2023-06-25 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IN

Complaint narrative:
I received notice that Cash App had deleted my account without any warrant, when asked it was implied for violating terms of service but there are no violations, warnings, etc on the account. I even asked for an elaboration of the particular violation- to which they could not provide or provide sufficient proof that there was even a violation. They have closed over 100,000 accounts in the last two days- 95 % being people of color- specifically XXXX people. I have never violated any terms and would like proof of such. They have also stolen all funds in the account and have illegal seized the money and have blatantly told and taunted that they would be illegally witholding my funds. Not only have the violated civil rights laws but also financial laws as established by the US Treasury.

They have made no attempt to give back or return the stolen funds and have avoided all questions and clarification regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc.
State: GA

Complaint narrative:
It has been 7 years since and I was told it would be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.

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 2023-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: IL

Complaint narrative:
This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.

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 2023-06-25 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: FL

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ) ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, reached out to American Express via the chat feature on the XXXX application. Advised agent I wanted to downgrade my card. Several attempts later, after telling the agent I wanted to downgrade XXXX different times, the agent offers my a retention offer. 

XXXX states " That way you will technically pay XXXX $ fee on the card this year '' This is false, that would be for XXXX user, not a primary card holder AND an authorized user. I then stated " For two cards? One primary and one authorized user '' Amex agent responded " that is correct '' I then reached out to Amex on XX/XX/XXXX to give them an opportunity to rectify the situation. I chatted with agent XXXX. in XXXX. I explained the situation. It seemed as if she did not understand the issue I was having. Amex agents do not even know what t

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This past Spring of XXXX  I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long XXXX XXXX. Upon applying for the XXXX  mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a XXXX  XXXX XXXX credit card ( with a limit of only {$5000.00} ) that I opened in XXXX XXXX to pay for travel in XXXX related to applying to and interviewing for residency, a mandatory post-graduate training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in XXXX of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the XXXX  mortgage. More egregiously, when I called XXXX  XXXX XXXX to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of XXXX  XXXX XXXX has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the XXXX  mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, XXXX  XXXX XXXX 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} 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