vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Three times in XXXX months I asked for a credit limit increase. Credit score currently XXXX on their site. Was denied -stated there is a derogatory account on XXXX Credit score. When called and chatted with customer service, they stated there is no derogatory account and they stated I needed to contact XXXX for information. Stated there is no information and XXXX stated they can't assist because there is not information they reported. Stated it has to be internal information they are using.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am writing to express my profound dissatisfaction and concern regarding the holding of my funds in my Square account. As of XXXX XX/XX/year> I received a mail from square that my account has been deactivated and my funds totaling {$82000.00} will be held for a period of 90 days, right now its over 18 months and my funds is still yet to be released which has caused significant financial strain and hindrance to my business operations. 

Despite my persistent efforts to resolve this issue through your customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX 

I urgently request the immediate release of the entirety of my funds without further delay. The impact of this hold on my business can not be overstated, and it is imperative that this matter is addressed with the utmost urgency. Failure to resolve this issue promptly will leave me with no choice but to explore alternative options for recourse. 

I trust that you understand the gravity of this situation and will take swift and decisive action to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
Mountain America has blocked all payments from entering my bank accont.. 

I have asked XXXX XXXX the manager of the branch in XXXX help, she told me to register with XXXX. That was her answer, shocking to me. She never looked into the account. And never assisted me with this significant problem. 

She is located at XXXX XXXX XXXX XXXX. in XXXX, ID XXXX. 

I have accrued GIANT PENALALITES AND FEES>> All incoming monies have been blocked, XXXX, XXXX and account payment transfers. 

They have given me the worst customer service EVER!! 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am missing $ XXXX worth in ACH deposits with chase. One from XXXX. And several from XXXX Chase has done nothing to help when its very clearly an issue on their end. They will not help and have just been sending me in circles. Chase free up my money so I can close my account with you guys. Im am very upset One was delivered XX/XX/XXXX for {$2200.00} chase cant find it and will not help. 

I went to the branch for a signed and stamped letter stating that this transaction has not been been found or a statement for XXXX. The teller told me she couldnt do this for me no matter what I call chase just now and he tells me they can do this no problem No one knows what theyre talking about, all the reps say something completely different and no money to be found

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a credit reversals on XXXX # XXXX claim # XXXX. 
{$36.00} {$37.00} {$50.00} {$51.00} {$110.00} {$130.00} At the time i file fraud on those charges i did not have my debit card on my possession that is why BOA issued a new one. I m very disappointed because BOA Did not protect my account that i had for the last 10years!

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
This issue is regarding an unspent credit of {$120.00} available/ remaining on an " Award Card '' that was issued as a replacement to a compromised " Gift Card '' back in XXXX. 

[ XXXX ] As per New York state law, there is a 5-year expiration date from purchase before funds on a gift card can expire. 

[ XXXX ] I had previously purchased a gift card for use, and it was unfortunately compromised. Blackhawk Network ( hereinafter " BHN '' ) / Pathward ( previously known as XXXX ) did provide a replacement. 

[ XXXX ] However, on the replacement card, it is marked as an " Award Card '' with a very short valid period of until XX/XX/XXXX. 

[ XXXX ] On XX/XX/XXXX at XXXX, I initiated a call to XXXX, the customer support number for BHN XXXX XXXX XXXX XXXX issued gift cards, to see if I can have a new card issued or somehow get access to the {$120.00} remaining. * * Note : Attached is a full audio recording of the entire conversation between myself and the representative I spoke with, which includes discussion of [ XXXX ] .... 

[ XXXX ] Customer service rep did confirm that any available amount remaining will be automatically lost, and refused to provide any option to access the funds, citing that the replacement card is an " Award Card '' and thus, New York State 's Gift Card law does not apply.

This scenario, in my opinion, is : - ( 1 ) a very obvious attempt at circumventing the spirit of the Gift Card expiration law by using clever legal language, especially given that the funds are still unused and available on the " now expired card. '' - ( 2 ) could be considered a violation of New York State 's Abandoned Property Law- since the bank is aware that funds were paid, but was " expired and left unused. '' As per the Abandoned Property Law, funds should be transferred to New York State Comptrollers Office of Unclaimed Funds- not simply kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synovus Bank
State: CA

Complaint narrative:
This company is attempting to collect a debt that has been closed and it not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX  30 days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX  30 days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX XXXX days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: KY

Complaint narrative:
I filed a dispute for charges that were made on my Chime debit card account that I had not authorized. The amount that was Taken out of my account was {$890.00}. Chime was told during this dispute that I knew where the charges were made and I also knew who made them without my consent. The charges were made by my underage son playing games on my computer while I was at work and charging the coins to my debit card that was on file with the gaming company! I in no way gave him permission to do this and there for it was not authorized or approved by me! I tried to contact the company of the website where the debit card was used and they refused to issue a refund even though the charges were made by an under age child! After all of this was explained to Chime they still decided to deny my claim. and refuse to get me my money back. I have since told them I was filing a complaint on here and they are reopening the case but I am not very hopeful or confident in them doing the rite thing! It is sad to think that the bank you bamk with like I have for many years now fails you in such a way and states there doing an investigation when there was no investigation to be done! They were told from the start how it happened and who did it! There should be no reason for it to not be fixed and in a timely manor because there was no investigating to do! 


Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$890.00} Date Claim of Dispute was denied : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief