vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank closed EVERY single account i had with them 10 - 12 accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX SS # XXXX XXXX XXXX XXXX XX/XX/1967 I tried to apply for new cards with synchrony but they automatic decline. I have received 3 different reasons why they closed my accounts. I am allowed no cards with Synchrony. This CLEARLY CREDIT DISCRIMINATION AND AGAINST THE LAW. this is a violation of FCRA. Synchrony refuses to answer the question why.

***************PLEASE READ CLOSELY ************************The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

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 2022-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2022 XXXXwith some change was has been taken out of my card i don't use you i i don't know why you keep taking my money XXXX i want my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Credit card Type : Credit care/ The extra interest amount {$970.00} / Issuer : synchrony bank / Merchandiser : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / During issuance, the card information has been given ( Terms and conditions ) changed by the bank & Merchandiser without my knowledge or approval which resulted in {$970.00} extra added to the card balance. 

The bank claimed that the deal is the pay the total amount ( {$6900.00} ) within 6nmonth which something never discussed or brought up to my attention & approval during applying and approval process, moreover I never acknowledged or approved such terms. 
When I contacted the bank to complain & despite such added extra amount/ interest they refused to take action and directed me to deal with the Merchandiser. 
The XXXX doesn't respond & communicate back to my calls for more than 6 weeks. 
I have been misled during applying & approval process by both Bank & Merchandiser.

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 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint and they ignore me and they think they are above the law. XXXX XXXX Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : XXXX. The statute gives the consumer the right to dispute the claims XXXX. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you TransUion responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you TransUion responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY 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 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I have been paying on my mortgage on a bi-weekly ( XXXX payments a year ) for some time now. My total mortgage payment is {$2200.00} which is {$1100.00} every other week. On the XX/XX/XXXX, I changed my payment day of the week from XXXX to XXXX on Freedom Mortgages website and received confirmation that my next payment of {$1100.00} would be drafted XX/XX/XXXX. I then woke up to emails from XXXX XXXX on XX/XX/XXXX saying my account was overdrawn due to the payment from Freedom Mortgage being made. I tried to email and call to resolve this with Freedom Mortgage but was told by XXXX that this was an error on the banks side and I needed to deal with them. I called XXXX XXXX and they said that because it was an XXXX payment and not a bill pay, it falls on the shoulders of Freedom Mortgage. I finally talked with someone who knew what was happening, and they stated they need XXXX full business days to make changes to the auto draft which is acceptable, but not disclosed any where on the website

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 2022-08-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ).

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you XXXX responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY 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 explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My on-line bank account was breached on XXXX XX/XX/2022 ; during the breach the thieves emptied my on-line savings account of {$10000.00} and charged my on-line credit account {$11000.00}. Since that date, I have been in steady contact with my bank ( Pentagon Federal Credit Union ) concerning the breach. The bank initially responded by freezing my account. Then, after corresponding with them about the way ahead, the bank created an entirely new account for me with a new account number. This allowed me to continue to bank and use my credit card pending the conclusion of the bank 's fraud investigation into the hack. However, time has continued to pass ( almost four months ) since the incident and my savings account funds have not been restored, nor have the funds from my line of credit. I have two concerns : the first, is whether the line of credit ( which continues to show an on-line balance and past due payments ) will affect my credit rating ; and second, that my savings will be restored. I have contacted the bank between 25-30 times since the incident, repeating the story over and over ; been assured that the bank was fixing the problem and other varied explanations and as of this date, have received no relief from the problem. I will provide any additional information on demand. Thank 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 monetary relief
Consumer complaint received 2022-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Issue : Capital One automatically lowered my credit limit and refuses to correct the issue. 

Details : XXXX XXXX XXXX *accidently* reported a non-payment on my credit report. This was made in error by them, and they corrected the issue on all my credit reports within mere days of the mistake being made. This mistake caused my credit score to drop a significant amount, temporarily, which caused an automated system at Capital One to cut my credit limit in half. I contacted Capital One and spoke to multiple reps, I got forwarded to managers, and advanced senior account specialists and I was told that even though the credit score drop was made in error, and they have verified that the score was corrected nearly the next day, they have no way to correct the credit limit drop. I was told by an one of the senior account people that I needed to put in a request for a credit limit increase to correct the issue, but was neglected to be told that can not be done for 6 months. 
The credit limit drop on this card has resulted in my credit score dropping by nearly 100 points, which will have financial consequences for me across multiple accounts if not corrected. 

Summary : A credit score mistake was made by XXXX which was corrected right away. Capitol One lowered my credit score due to the mistake, and claims it has no way to correct the issue now that it has been done, even though they fully admit that the credit score issue was a mistake and was corrected. This lowered by credit score nearly 100 points and will now cause more financial harm to me.

Desired Result : Capital One raises my credit limit back to where it was, and corrects/reverses the credit limit decrease on my credit score and this entire process was automated and done by accident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX  XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
1. XXXX, XXXXMultiple attempts to pay off XXXX Credit Card ( XXXX via XXXX ). Confirmed complete via call center operators.. Account # : XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX passed away. 
3. XX/XX/XXXX, XXXXFinal payment sent for oustanding payment installments of {$60.00} 4. XX/XX/XXXX, XXXX cashed check acknowledging final payments sagainst account 5. XXXX, XXXXResurgent " bought '' debt from XXXX and began harrassing phone calls and letters trying to collect ONLY accumulated Interest and late fees of {$290.00}. There are NO outstanding products with payments due since XXXX. Again, Resurgent is claiming we owe on interest and late fees only through XXXXXXXX XXXX 

This is harrassment to an already grieving family and we request help to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: PA

Complaint narrative:
Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. 

Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. 

Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. 

HELP US PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2022 I transferred money from my TD checking account ( using XXXX ) to my XXXX XXXX checking account in the sum of XXXX XXXX dollars. The money was never received by XXXX XXXX XXXX XXXX. Following many trips to TD bank to try to rectify the problem, TD has refused to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MD

Complaint narrative:
XXXX XXXX XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Equifax responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you Equifax responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is XXXX according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is XXXX? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY 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 explanation