vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was issued this American Express eGift Card ( details below ) through my employer on XX/XX/XXXX and began using it with no trouble on XX/XX/XXXX and made a subsequent XXXX separate purchases using the card through XXXX at a variety of different merchants -- grocery, restaurant, hardware stores, etc. 

Then, after XX/XX/XXXX, the card abruptly began declining every single time I tried using it. I attempted at least 20 different merchants, both in-store and online, and it declined 100 % of the time, including at retailers like XXXX XXXX 's XXXX the card had previously worked fine. I have a balance of {$660.00} left on the card, and I am effectively not able to use this money because it is not accepted at any single retailer either online or in store, regardless of whether billing details are needed by the merchant or not. 

Over the following 4 months I have called Amex 's customer support no fewer than 5 times and spent hours on the phone with representatives in XXXX who specifically told me that they had resolved any restrictions on my end and thus that it was the fault of the merchants, not AMEX, that the card was being declined. I told them about how the card has declined for me over XXXX times at all retailers online/in-store and they insisted that those declines were not showing up in their system and again insisted that it was my fault not there's. I've tried to have the issue escalated to their XXXX-based team because no supervisor has been helpful. They have REFUSED to migrate the balance of the card to another card or try troubleshooting in anyway, apart from XXXX different times telling me that they've fixed the issue on their end and to wait XXXX hours for the card to work fine again. It has never been fixed and I know they are lying to me to get me to stop calling. I have asked them the same question over and over again XXXX am I expected to use this card if it is not accepted at a single merchant? '. They have told me that this is my problem to fix on my own and not theirs. They have stopped responding to my customer service requests and never call back when they say they will. I do not believe that a final solution can be that Amex gets to keep my {$660.00} because their faulty gift cards are being flagged for suspicious activity and therefore accepted nowhere. 

I would like to add that dealing with Amex Gift Card 's customer service agents has been the most dehumanizing customer service experience of my life, and never before have I been scammed like this by a reputable company like American Express. Researching on the internet, it appears countless others have a similar experience. 


Card Number : XXXX Exp : XX/XX/XXXX Security : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2023-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I disputed this account. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Wire has been on hold with receiving bank for upwards of 6 months due to a claim being filed and requested a dozen times to be reviewed/cancelled by both myself and 3rd party . 

Funds remain on hold, I am out double the amount for having to pay 3rd party for goods received.

Each time you contact Bank of America, you get nothing. Im in a queue now. The customer service either give you nothing, refuse to help/transfer to a supervisor, it was only until a complaint was filed that i got a return phone call. That was 10 days ago in which they said theyd have a resolution. I call today and the service on the phone had ZERO updates and was so aloof on the phone, naturally, like the others, as if he couldnt care less that this has dragged on for months.

This is ridiculous. At this point, Ill seek legal assistance. Bank Of America is a constant runaround and offers ZERO help to anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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 Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion was sent a dispute letter regrading my personal information being inaccurate. As the consumer supported documents was sent with the correct information. With TransUnion not fixing the problem it's making my credit report show poorly and stopping me from purchasing a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I opened a cashApp account to get payment from my renter in Illinois. I gave them my bank debit card info so the money will go directly into my bank account. Received a payment of {$700.00} into my cashApp account but the cashApp will not deposit into my bank account but instead wants me to open a credit card account to access my money. My contact with cashApp left me with no results because their biometrics can not verify me through a picture of my drivers license because I grew a mustache. They didn't require that, when XXXX setup the account and I am XXXX XXXX XXXX with a physical XXXX and they are holding my money with no recourse. I have lived at the same address for over 30 years and have excellent credit. I suspect they are holding the money to gain interest on my money. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: Possible Financial Inc
State: LA

Complaint narrative:
you are in direct violation of the fair credit reporting act Possible finance Inc Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: LEXISNEXIS
State: FL

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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a current credit Card with Capital One. I have paid off a card in full since XX/XX/2023. However, before paying off, I received many late payments on this account, and I did not understand why it was reported late. I was making automatic payments on the payment date, and they were still reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have two vehicles with the same bank ( Ally ). I requested that the new vehicle be added to the online account I currently have with Ally to make payments online. Every time I call they tell me they will put up the request for me. I have called about 3 or 4 times and the account has not been added to my current online account. I made a payment over the phone on the XXXX of XXXX and now they are telling me they have not received the payment. I asked to speak to the manager and the representative XXXX XXXX XXXX at the lease dept was very rude and did not allow me to exercise my right to speak with the manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company false flagged my account and I do not have access to my funds. I am unable to complete transfers. I saw this from the online mobile application I am a Bank of America _ Prepaid customer receiving deposits from the EDD and the state. 

The first representative XXXX Colorado in card protection told me that an address change was done on my account. I told her I do live at the address and the EDD added a XXXX. I was like I am not sure if the XXXX needs to be there but I will check to see if it pulls up with the XXXX included. It was no real change. She refused to unflag my account. XXXX Supervisor refused to unflag my account and then blocked my online access.. I was no longer able to see balances in mobile banking. Cutting and restricting my access. 
The bank of America representative refused to unflag my account and allow me to have access to my funds and transfer my funds. I requested to speak with a supervisor cause I need to file a complaint because I should not have been flagged in the first place. I should have been notified of the hold that restricted my account. The first agent should have removed the hold once I was authenticated and identified my address. The supervisor should not have blocked my mobile access as the account was not in danger there was no fraud. 
Customer Service representative just giving me a hard time for absolutely no reason. I explained the situation to them and they just wanted to give me a hard time. I called back into Bank of America and received the service I should have gotten the first time. They ublocked my account and I was able to do my transfer as normal. The difference between stellar service and awful service and a complaint and a compliment. Bank of America needs to research the first caller and supervisor 100 % unacceptable and the second time I called back Winning Great Service. I am still pressing through with the complaint because it makes a difference and you all should know what people in America go through dealing with financial companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Filo Mortgage, L.L.C.
State: IL

Complaint narrative:
I was processing a loan with FILO MORTGAGE. I had a preapproval with Filo and I have locked my rate. Lock Date was XX/XX/2023 with Expiration of XX/XX/2023 with maximum discount points to be Paid : {$1000.00}. During underwriting process this company was asking me to pay {$2200.00}. So I raised my concern to the loan officer, he agreed my valid concern and he informed his management several times to adjust that fee. Fuinbally he suggested to write an email to the CEO so that it gets solved. I have written an email to their CEO including the proof ( rate lock document ). CEO never replied to my email.

To complete the house buying process due to short inventory of the house I was forced to close the loan with their imposed fee. 

Also Due to their communication issue my attorney charged {$150.00} ( {$650.00} instead of {$500.00} ) more as the underwriter helping lady and loan officer was providing different answers to the attorney which took more time from attorney and I was charged additional {$150.00}.

Company response to consumer: Closed with monetary relief