vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Greetings, We recently opened an American Express XXXX card in XXXX of 2024. We planned to use this card to consolidate expenditures and payments. 

In XXXX of 2024, payments began being made on the new account. The first payment was returned for some reason, and was immediately resubmitted. I also started getting daily summary emails on credit union activity. I started seeing American Express ( AmEx ) payments being taken out, and assumed that everything was working as intended. 

Two years ago, we re-opened a previously XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, and the consolidated spending was supposed to streamline things for our son while my wife was dealing with a medical issue. In  XXXX of this year, we found out that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the car wash over the winter. 

As we dealt with my wife 's ongoing treatment, AmEx continued to automatically withdraw payments. Our credit union account also was rapidly being depleted. I attributed this to taking time off from work to accompany my wife to her treatments. 

When I was able to look into the expenditures withdrawn by American Express, they had double withdrawn for ALL payments, but it was done in random amounts, not the single, monthly total payment that I signed up for. I contacted XXXX and found a total of twenty five payments withdrawn since XXXX. AmEx wasn't as helpful. 

There were five payments that AmEx showed in my account as being the actual, single monthly payment that I signed up for, with one payment being split for some reason, but there were also twenty additional payments withdrawn over the last three months. All of the payments were provided with trace numbers by XXXX, but XXXX is only able to go back 24 hours for payments made from a commercial account ( XXXX XXXX ). XXXX recalled the two most recent payments successfully.

We are, and have always been in good standing with AmEx. Of the twenty five payments taken by AmEx, the only payments that made it to our account were the intended payments, no one will help find the additional payments, illegally taken from our account with nearly identical trace information. XXXX has informed me that AmEx withdrew and currently retains the additional funds.

This AmEx fiasco has resulted in almost a XXXX XXXX dollar overpayment, that AmEx is unable or unwilling to help with. It seems AmEx is REALLY good at taking money, theirs or not. 

I have attached transaction and trace information that was provided by the XXXX representative who informed me of the issue. I really hope you are able to help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank took over the Lowes credit card division. The card changed to a My Lowes Reward card at some point after that. I have had a Lowes card for well over ten years. Until Synchrony Bank took over their account I had no problems with my Lowes credit account. My last purchase on this card appears to have occurred in XXXX of 2024, in the amount of {$20.00}. Until that point my account was paid in full. I pay my accounts off monthly. I did not receive a bill for the XXXX purchase. Instead, I received what Synchrony is titling a replacement statement. Synchrony says that I requested this replacement. I made no such request. Perhaps the bank realized its own error in not sending a bill and sent this instead. The balance on that bill is {$140.00}. My only purchaser on that bill is th3 {$20.00}. The remaining debt has to do with Fees, interest, and a fee for a paper statement. Then I began receiving phone calls and text messages from Synchrony. I received a voice mail that said I owed {$30.00}. In thinking that was possible I paid the {$30.00}. In XXXX I received a statement from Synchrony that says I owe {$160.00}. Since I have intentionally not made more purchases on this card, I know that is not for purchases. The amount they are charging is for fees and paper statements only. I paid the amount so that it would not affect my credit score however, I do not believe this money was owed to Lowes or Synchrony, and I would like to obtain a refund. Once Synchrony posts the amount paid, I will be cancelling this card. I have had prior problems with Synchrony and my Care credit account. In that instance they issued me a new card. I did not realize they had opened a new account under my name without closing the other account. In error I paid them under the former number. It took months of my calling and emailing Synchrony to correct that issue. I have heard at least one other person complain about the practices of Synchrony bank. I believe this Bank is overcharging people and acting in an unscrupulous manner. A review of my credit will show that I am always up to date in my accounts.

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 2024-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CO

Complaint narrative:
WORLDREMIT, is a company where I transfer my money to my daughters in XXXX, on XX/XX/XXXX I sent XXXX dollars in two transactions that the app show as delayed and that same week they delayed 3 more transactions and end up canceling. I requested the cancellation of my transaction and as of now I do not have my money back, I calle 4 times already even talk to a manager and they keep telling g me that the communication with their local partner is through email and that they do not have any answer as of now. And the still have my money I do not have my mi ey back they are stealing my money and I feel that there is nothing that I can do, someone need to stop this company from stealing money like that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting 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: GA

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-10 00:00:00
Product: Credit reporting 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: GA

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. 

Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with the Bank of America.

Please see the attached XXXX  file.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-10 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.

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 2024-09-10 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.

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 2024-09-10 00:00:00
Product: Credit reporting 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I made a payment to my Bank of America XXXX XXXX card for {$2700.00}. This payment posted and was fully processed by the sending and receiving bank. It came from my XXXX savings account. 

I closed both my XXXX savings account and all of my Bank of America XXXX at the start of XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Somehow in the calls that were made a Bank of America XXXX erroneously returned my payment to XXXX which was closed. I did not authorize that return. 

On XX/XX/XXXX Bank of America adjusted my statement to reflect that {$2700.00} was owed still as a payment adjustment. 

On XX/XX/XXXX XXXX sent the erroneous returned payment back to Bank of America - transaction tracer number XXXX. 

On the Bank of America website I can see in my history the returned and processed payment for {$2700.00} the reference id is identical to the initial XX/XX/XXXX payment XXXX. However, this amount has not been posted back to my account statement. It is also no longer visible in other areas of the site such as the payment detail. 

Over the course of the last XXXX months my statements and transaction details have been changed periodically after conversations with customer service. At XXXX time the payment return did show on XX/XX/XXXX in my payment details. While I was in a Bank of America XXXX on XX/XX/XXXX seeking assistance it reflected in my payment history at that time. 

I have started to take screenshots and make printouts of my account information since I realized the transaction details were regularly being altered or removed to better align with their version of events. 

I have a copy of my XXXX statement showing XXXX did not accept the return payment in XXXX. I also have copies of the Bank of America account history showing the processed payment return on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I spoke with XXXX XXXX XXXX today I think her name was XXXX XXXX XXXX XXXX  she was very sweet and she even notated the account. We went over the account where somebody applied for a place it looks like both had the same names but wrong DOB AND SOCIAL SHE TOLD ME SHE DONT KNOW WHY THEY WOULD PUT THIS ON MY CREDIT REPORT IF THE SOCIALS DIDNT MATCH. so she told me to put a inquiry in with TransUnion and they would send it to them to remove.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This account is considered closed as of XX/XX/year> profit and loss written off for {$6000.00}. which now makes it income and according to 15 USC 1681 ( 2 ) ( a ) ( i ) no transaction or experiences can be reported.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: AZ

Complaint narrative:
I am Banking thru Juno, but my money is stored with XXXX XXXX and my money has been frozen for months and still have not received any info on when the money will be released.

Company response to consumer: Closed with explanation