vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX Credit card account opened XX/XX/XXXX is owned by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. Transunion was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.

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 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/22 I responded to a XXXX ad offering to sell a concert ticket which would be transferred virtually. The seller agreed to the exchange requested a Cashapp payment via craigslist email. 

I made a payment of {$50.00} via Cashapp, which came out of my XXXX debit card issued by my bank, XXXX XXXX XXXX. Cashapp sent the payment to the seller, " XXXX XXXX '' who accepted the payment. 

After being ignored by the seller and not receiving my ticket ( instant virtual delivery via email ) I submitted the issue to Cashapp, who says that they will look into it and get back to me by XX/XX/XXXX. I see no other way to contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 an individual was able to walk up to a teller in XXXX, MI and withdraw {$3000.00} from my checking account. I live in California and clearly did not make this withdrawal. Bank of America is claiming that they have up to 90 days to give me my money back. This is creating a financial hardship and I don't understand why they can't just look at the security video for the day and time the crime occurred and determine that it wasn't me. I filed a police report with the XXXX police. Either the teller is incompetent or they were in on the scam. In either case I should not be the one who has to wait to get the funds back. The bank is insured for these types of issues and it should not have to hold my money while they investigate. After 30 days they have been unable to provide any status on what they have been able to learn. That is totally unacceptable. 

I have missed time at work trying to deal with their mistake and have spent over 24 hours being on hold and being transferred to multiple people over multiple days. I also have an issue with a bill pay request that was pending during this issue when I had to create a new account. They also owe me {$140.00} for pulling the funds twice, once from my new account and again from my old 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 monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens promoted an offer that is not standing behind. The offer concerns opening a new checking account and receiving a {$300.00} bonus for doing so. 

I have confirmed the rules through the branch manager, XXXX, on XXXX XXXX in XXXX XXXX several times about this online offer to open a new checking account with Citizens and receive {$300.00}. The last time I spoke with XXXX on XX/XX/XXXX, he directed me to the area that handles this promotion. The last conversation I had was on XX/XX/XXXX with the promotional representative and she confirmed that a {$300.00} deposit would be made on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with the branch on XXXX who told me my {$500.00} deposit in the first sixty days of when the account was opened needed to be made in one direct deposit of {$500.00} not two on the same day that totaled over the {$500.00} minimum required which I have done. That was not mentioned to me prior to XX/XX/XXXX when I was told the amount would be in my checking account by anyone at Citizens and I spoke to at least four different individuals at different times throughout the months since opening the account. 

I made two direct deposits on XX/XX/XXXX, XXXX for {$93.00} and the other for {$420.00}. Prior to that on XX/XX/XXXX I made a deposit of {$100.00}. I have kept all commitments per the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX XXXX - Fiserv for there online banking payment. I spoke to an agent @ Fiserv XXXX ( XXXX XXXX ) with her supervisor sitting with her. She was confused with the questions I asked with changing the answer several times. Frustrating and out of patient, I asked to speak with her supervisor which she replied " I can take your name and she would call me in 48 hours. I told this was imperative the timeframe is unacceptable but repeated several time with the supervisor listening to call. Finally after 30 minutes of incorrect information and refusal to get the supervisor ( XXXX XXXX XXXX, the supervisor ( XXXX XXXX XXXX got on the phone. I asked the question " so you were listening, I do the same thing with my new agent ... the only different is I would not stress the new agent because she still learning. I would have taken the call to avoid a Bank Legal Issue. The scary thing was XXXX as supervisor ( XXXX XXXX ) could not explain anything either. XXXX asked me for phone number and would call me when she get to her desk because she was sitting with new agent. OMG.. I said " so you were listening..she answered yes... I said your comment getting back to your desk. i think she return the calls but I was on the phone XXXX. I requested transmitting information t compare before filing a complaint against Fiserv and XXXX so there will be 2 complaints against financial and processor ( Fiserv ) institutions. On XX/XX/2022 same day as contact Fiserv and they said to call XXXX so I did. 
XXXX XXXX XXXX ( XXXX ) says online electronic payment are sent to the recipient but the recipient have to accept it before they send the actual payment. That's incorrect the financial institution sent the payment through clearinghouse ( in Batches when the payee like XXXX XXXX XXXX ) then once recipient receive and post the payment. Aslo, stated the updating payment confirmation number started with XXXX which totally wrong and misinformation to avoid accusing XXXX I have several scenarios o XXXX Bank online Bill Pay and I found the following : - Online payment confirmation numbers begin with XXXX - Canceling a pending payment confirmation numbers start remains the same - Edit a pending payment confirmation number start with 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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX I opened a new Checking account with Keybank with a promo code for {$400.00}. The banker sent me an email on XX/XX/XXXX asking for more information. I provided the still active direct link to KeyBanks own website with the bonus offer. I have adhered to all requirements of the offer. On XX/XX/XXXX The banker emailed me stating I would not receive the bonus. Here is the link. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Never trust XXXX, a service Wells Fargo Bank offers but won't stand behind. 

Wells Fargo Bank mis-represents their services by stating that consumers have a " Zero Liability Protection Program '' when using their services. Their XXXX Service does not properly disclose that the transfers are irreversible, and also violates CA law by failing to allow a way to cancel an IN process transaction online. 

On XX/XX/15 I had the phone number from my child 's daycare and they requested I pay via XXXX. I entered the phone number as XXXX XXXX instead of XXXX. I sent the request and then let the vendor know the money was on its way. He called me an hour later stating that the money was not there. I went online and the status said Processing. there was no button to cancel the transaction and no information about what to do if I had a problem. I waited until the morning, and then saw that the transaction went through to someone named XXXX instead of XXXX XXXX XXXX. I called Wells Fargo and they said that they would file a claim with XXXX and absolved themselves of any liability. 

They have done nothing to help me recover the funds and won't provide any information about how to contact the person who did receive the funds.

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 2022-09-30 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: FL

Complaint narrative:
I have one account with American Express ( AMEX ) where I requested a credit limit. Amex asked me to either upload my bank statements through their portal or to link my bank accounts to consider my requests. 
I tried to upload the documents via the portal multiple times and kept getting an error, so I linked my bank accounts and gave AMEX access to my bank details instead. 
To my surprise, AMEX did not review my request with the excuse that I did not follow the instructions. My account shows as correctly linked at the AMEX portal, and an AMEX rep confirmed that it was correctly linked. 
I called and chatted with AMEX around XX/XX/12 and was told that my request would be reopened, yet nothing has happened. 
Multiple calls and chats have resulted in no actions or answers from AMEX. I did get a call from someone, but I asked her to call me later ( because I was at work ), and she never followed up. 
At this point, I think AMEX is purposedly ignoring my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I contacted USAA about my debit card being declined at the grocery store. When I called I was told that we only had {$5.00} in our account. I told the rep at USAA not we should have nearly XXXX. He then proceeds to tell me that there are 3 charges one for {$10.00}, one for {$740.00} and Finally {$3100.00}. I told the guys that these charges where not authorized by me or my husband. I called and reported the fraudulent charges, however ; USAA stated that they can not return our money until they do an investigation. Which is untrue as over the month of XXXX we have both had to have our debit cards replace 2x each and several charges returned to our account. I told the rep that I researched the company that did the charges and they do not exist. USAA has become the worst financial institute to deal with. They do not apply the same rules to every fraudulent case which is unacceptable. I have been banking with them for over 15 years and have never had this many problems. I feel as if our banking account is being access by someone within the company or they have a breech that they are not telling their customers about. I am at the point that I am going to sue them for fraud and for not keeping our account safe. When we first had to report fraudulent charges at the beginning of XXXX they told us that they would notify us of any unusual transactions, however ; they will block our card if we use it at say XXXX buying less than {$50.00} dollars worth of food but when we get charged nearly {$4000.00} they do nothing but tell us there is nothing they can do but open a fraud claim. This is un-true because when I have called in about other fraudulent charges they refund our money right away. and now that someone has cleaned out our account and I reported it within less than 24hrs they wont do anything to help us get it back. They allowed our account to be cleaned out and told us that we have to wait 10 days to get our money back. I told them that this company is our of XXXX which should have been a clue right there. I am a XXXX Veteran and my husband is a XXXX XXXX XXXX XXXX This has caused us a financial burden and has also created undue stress to both my husband and I which has also caused my husband to nearly end up in the hospital from all of the stress USAA has caused us over the last month. They need to be held accountable and treat their XXXX with more respect and undue stress. We have not money, we can not buy food, pay our bills, or even buy gas. This has caused a major hardship on me and my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
Requested ~ {$21000.00} payment refund from EdFinancial on the end of XXXX to refund some funds prior to forgiveness in order to maximize the plan put in place by Biden. I qualify for XXXX XXXX forgiveness. 

*Was told by the representative that the processing time of the refund has no time frame and they cant check on my refund being processed This may land the refund after the possible forgiveness timeline and me not being able to maximize the Biden forgiveness plan making it to where other debts then cant be paid. 

* Also, I will not be receiving any confirmations, so I have to call to check up on it. Also it does not reflect that i have even requested a refund of the XXXX I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I paid off a car loan of {$5300.00} in XXXX. I is still showing as part of my credit amount owed. I have only {$1200.00} in credit card debt. It was with Chase. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Account 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 XXXXt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I found out on XX/XX/XXXX that my checking account was blocked since XX/XX/XXXX. 
USAA did not provided an explanation for their actions, but I was told to use a www.usaa.com/idproof address to submit a picture identification document for processing to unblock the account and, stated that it should not take more that 3 days to unrestrict my account. 

Following their instruccions, I submmited my XXXX passport as a proof of a picture ID and placed a call on Tuesday XXXX to confirm receipt. I was told that by Thursday XX/XX/XXXX my account restriction would be removed. 

On Friday XX/XX/XXXX the account was, still, blocked. 
I decided to submmit again my ID proof. Late afternon, I found out that they are now using the submition placed on XX/XX/XXXX to add another 3 working days to free my account. In doing so, USAA are increasing the days to removed the blocked placed. 
I requested that they expedite process because I needed to have access to my Social Security XXXX check and to settle bill payments for the month end. 

I hold that account for 17 years with an impecable record. Also, have an excellent consumer credit rating for all these yeas doing business with them. 

All I am getting is excuses and adding working days to solve the problem. A simple two day issue has become two weeks now. 
In the meanwhile, my money and SS check is unjustifiable locked by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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.

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 2022-09-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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.

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 2022-09-30 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation