vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
This company repeatedly " holds '' payments in limbo without giving consumer credit for the payments they've made, even after he company acknolwedges the receipt of the payment AND it has cleared the bank, for WEEKS. 

I have a {$5000.00} credit limit. I paid off my balance in early XXXX. Care Credit shows the payment was received by them on XX/XX/2022. The payment cleared my bank on XX/XX/2022. However, Care Credit has not given me credit for the {$1000.00} payment that cleared my bank XX/XX/2022. When I call they state that because it's a large amount, or because I made multiple payments during the billing cycle, they have to wait for it to clear my bank- it has cleared! They just refuse to give credit for it. This happens every month where it takes weeks for them to give me credit for my payments. 

I tried resolving directly with the company but the customer service reps seem unable to provide any info other than reading from a list of reasons why payments are not credited - even though there is a XXXX balance and they confirm receipt of the payment. When asking to speak to a supervisor or manager, I am transferred to a location where I am on hold for 40+ minutes without anyone ever picking up the line. 

Care Credit accepts payments from their customers, acknolwedges those payments, but repeatedly " holds '' the funds so that consumers are not able to take advantage of a XXXX balance and their full credit limit. After repeated attempts to get a supervisor on the line, I was finally able to speak with " XXXX. '' She reports that the company holds every large payment for 10 days to ensure it clears the bank. The funds have cleared. They cleared over a week ago. I believe this company is unlawfully denying consumer the benefit of their payments so that it can benefit from the funds sitting in their account while denying consumers access to the credit they've been given. In essense, holding funds in an account to accrue interest while denying customers access to their credit. 

As you can see from following attachments, as of this afternoon, XX/XX/2022, Care Credit still has not credited the payment I made on XX/XX/XXXX or XXXX, that Care Credit received on XX/XX/2022, and that cleared my bank on XX/XX/2022. 8 days after clearing my bank, I am still only given access to a credit amount less that {$1000.00} payment made 10+ days ago.

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 2022-04-20 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: CT

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an XXXX FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.

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 2022-04-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-20 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: CA

Complaint narrative:
I'm reporting this timeshare XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I've dealt with their employees all claimed not to work on commission and introduced themselves as someone other than a salesperson. They promised me I would make money from this timeshare like rental income if I rent it out to others or if a resell it especially because the resale value would go up, making it a good financial investment plus. They said it had some tax benefits similar to owning a second home. They also lied telling me I will never have to pay maintenance fees again. Promised things would be positively different each time things got worse. They offered gifts such as free vacations, gift cards, gas etc. We felt pressured to decide right away because they're saying they have to get a " corporate '' approval to grant us the price being offered & telling us things like it's our last chance at the lowest price. Everything was rushed as we were never informed of the fees involved, they didn't even allow us or gave us enough time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulties because of this timeshare due to the high monthly payments but we can't even use it which is really useless. We even lose sleep over the stress caused by this timeshare. They lied about things and withheld information that are supposed to have been informed to us. They enticed us telling us this can actually be for our family future. Those lies & extremely deceiving sales tactics, we were simply defrauded and taken advantage of.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Please see prior complaint XXXX. This issue remains XXXX and is

st ill yet to be solved.

I suspect this is one of the 3 cards I have but have been cancelled. I tried to pay for something using the credit and the debit card and they both don't work. I think this was due to to the cancellation of several in the sending. 

Please check the records of the account, I have been unable to access them still. I got another XXXX slip and when I went to collect at the News-agency it was not there. XXXX has bought out XXXX and there are loads of delivery issues as a result. This however is a responsibility I can take on.

I think what has hap

pened is the latest ones to be sent have only turned up this week. This is still really unacceptable. I have sent 3 emails in the last 2 weeks to the bank requesting the following : I am still awaiting the arrival of the XXXX credit card. I am still awaiting confirmation of the active card number for the visa debit card. I am still awaiting confirmation on how refunds processed on the XXXX card are handled. Access to internet banking without a US phone number given they took on overseas customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have a cash app account and used my cash app card to pay for a purchase at XXXX XXXX XXXX on XX/XX/2022 in the amount of XXXX. XXXX XXXX XXXX processed the order and then cancelled the order with no explanation. They never took the money and it currently shows pending in my cash app count. Ive reached out to the XXXX customer service department and was told A refund can not be processed because the order was never generated and was immediately cancelled. Funds were not withdrawn. I was advised to contact Cash app support to remove the hold. I have contacted cash app customer support more than 10 times to remove the hold and each time they insist the hold cant be removed and the transaction has to be refund, even though Ive explained the situation that a pending transaction cant be refunded nor can a system generated cancellation. Cash app refuses to remove the hold and has since put my call information on a block list and refuse to assist in the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MN

Complaint narrative:
I got a hit notification from credit wise that there was a change to my credit report and an XXXX XXXXXXXX had a report on my credit and I have never applied with anything for them their website is sketchy I go to Weathers no contact us or anyway to discredit this

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 2022-04-20 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: TN

Complaint narrative:
I recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I received a gift card for {$100.00}. Upon activation, the funds were used in another state. I contacted the company XXXX/Vanilla Visa for assistance and they said for me to complete a fraud dispute. I completed their form, submitted the requested information on XX/XX/22 and they indicated it would take 90 days to complete the investigation. I have made several attempts via telephone/email to get an update and/or response regarding my request and the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my credit card account spontaneously and did not give me any reason as to why. I called them directly. XXXX from BOA was unable to give me an explanation. 

I have fantastic credit. This move on their part will severely damage my credit report. I would never have signed up to use a Bank of America credit card if I knew this is how they treat their customers. For the record, I have never missed a payment and do not carry a balance. 

Additionally, now I have to change over all my automatic payments. 

If you are reading this, do not sign up for any Bank of America services. I am done with them and will tell anybody who will listen to stay away.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime bank has denied my dispute three times now after someone stole my money while i was in jail. i was in jail for 8 months long, and once i was released and was able to log into my chime mobile app i see NINE different transactions that i didnt authorize, and they were all done while i was in jail. The guy i lived with at the time of my arrest stole literally all my belongings including my wallet. The transaction listed on my account were done via XXXX XXXX as if he would have linked my chime debit card to his XXXX XXXX an accessed the money by using the " cash out '' option, His name is even listed as the transaction description, ive called chime numerous times about this issue, ive emailed them numerous time and filed a rebuttal not once but twice and ive provided them with the proper documentation i got from the jail i was released from that clearly states the dates i was incarcerated ( which was during the times of every transaction ) and they still deny me every time ive even told every single person at chime that i spoke to about this how that money was literally all i had after being in jail for 8 months and it was important i get this money back just so i could live off of it, by groceries, and pay for hotel room or an apartment to live in since i lost my home while i was incarcerated and it didnt seem to bother them that i had been a long time customer of 4 years. After this issue i will be closing this account and never looking back to this horrible " bank ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I told them that I need them to fixes both of one Is credit bureau reports & I need to fixes XXXX XXXX and XXXX XXXX credit bureaus reports & XXXX XXXX back ground record to they didn't listen to what I said to them on the telephone calls so I don't no what to do went they didn't listen to me about what I said to them on the telephone that's why I'm struggling right now because they didn't listen to me about what I said to them on the telephone call about fixes. XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record

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 2022-04-20 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: TX

Complaint narrative:
My Equifax credit report has not updated since XX/XX/XXXX, and is currently showing empty. I am XXXX years old with credit dating back to age XXXX. I've reported this to them on 4 separate occasions and was told it was being " escalated. '' The escalation ( Case No. XXXX ) finally happened and was documented on XX/XX/XXXX. 

As of today, XX/XX/XXXX, there has been no resolution or movement on this issue. I was told there are no additional persons to consult other than the first line support. When I insisted on speaking to a supervisor I was on hold for over 2 hours until the call was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Here are the following accounts which has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I'm writing this complaint to inform the CFPB of an adverse action take against me a consumer. I've been a valued member of American Express for some years now and had no issues concerning my open end credit plan until now. I was 9 months pregnant and my due date was approaching and I had a family emergency. The primary purpose of this open end credit plan is primarily for personal family and household use. I needed to use my credit card to pay a unexpected bill that occurred because of my pregnancy and also to get some more things before my babygirl arrived. I was expecting any day. I tried to use my credit card and was shocked when the transaction denied because I double checked the balance to ensure I had the money available. I tried again and it didn't go through so this is when I became very alarmed. I was in the middle of an emergency and could rely on my open end credit plan at the moment I needed to most. The original limit on my open end credit plan was XXXX I then opened the app to my credit card account and see that American Express had decreased the limit to XXXX on my open end consumer credit plan without proper authorization or consent. I was shocked by this jus suddenly happening to me with no reason or explanation. I immediately felt sick, I was 9 months pregnant and hit with sudden financial injury. I spoke to several representatives who informed me that I had to pay them in order to get the limit I needed back. This is an Adverse Action and they are Guilty of taking 1 count of adverse action against me on XX/XX/2022. I am the beneficiary for the open end credit plan, American Express decreased the limit to my opened end credit plan but they have no authority to do. this was unauthorized use pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation