vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: PA

Complaint narrative:
On XX/XX/XXXX I sent a notice of rescission to Synchrony Bank and to date synchrony bank have not responded lawfully with any response to take action to terminate the security and interest on the account. Per TILA and REGULATION Z I have the right to rescind on any consumer credit transaction, 12 CFR 226.15,226.17, and 226.13. Notice was given to and received by Synchrony Bank in an acknowledged email attached.

More than twenty days have lapsed, and Synchrony Bank have not taken any steps to properly reflect the termination of the securities and interest and return all monies paid on the account. According to 15 usc 1611 and 1640 willful and knowing violation are subjected to criminal and civil liabilities of which I intend to enforce and recover if the matter is not settled in good faith.

Synchrony Bank has been harassing me and making threats of reporting to the consumer reporting agency derogatory information even after my revocation of power of attorney and my rescission. Pursuant 18 usc 894 anyone who attempts to collect any extension of credit by extortionate means shall be fined or imprisoned.

18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both email from synchrony bank below. 

XXXX ( Synchrony Financial ) XXXX To : XXXX Tue, XXXX XXXX at XXXX PM Dear XXXX XXXX XXXX XXXX you for your recent inquiry directed to XXXX XXXX XXXX XXXX XXXX XXXX Bank account XXXX XXXX XXXX has referred your inquiry to me for handling. I am reviewing your concern and will respond in writing within seven to ten business days. If you would like to speak with us regarding this complaint, you may contact me directly at ( XXXX ) XXXX extension XXXX or email me at XXXX. 

Sincerely, XXXX XXXX XXXX of the XXXX Synchrony XXXX : XXXX ext. 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 2022-04-19 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: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX  York, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX HXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MA

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 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
We refinanced our home loan and received the same mortgage rate of XXXX and it cost us XXXX - we have tried to get someone at Mr Cooper to explain this for a month- but no one will help - I have even called the XXXX XXXX XXXX many times and he will not return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CT

Complaint narrative:
According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of EDXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 2XXXXXXXX XXXX XXXX XX/XX/XXXX. account # XXXX 3.XXXX XXXX XX/XX/XXXX. account # XXXX XXXX XXXX XXXX XX/XX/XXXX acct XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CT

Complaint narrative:
According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of EDXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX. account # XXXX 3.XXXX  XXXX XX/XX/XXXX. account # XXXX 4.XXXX  XXXX XXXX XX/XX/XXXX acct # XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it 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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received SoFi Lending credit card in the mail and I never applied for this card, someone stole my identity and charged {$4900.00} on the card. I called SoFi right away and told them I didn't apply for the card and that this is identity theft. They told me to cut up the card and throw them away and they would freeze the account and research it. Then I placed a freeze/lock on XXXX and opened a case no one has ever got back to me. So now it's on my credit report and showing non payment for past 2 months and my credit score has gone down XXXX points because of this. Today XX/XX/XXXX I signed up for Life Lock hoping they could help me get this removed from my credit report after I paid the XXXX and signed up, they transferred me to a different department and they told me they can not help me because it happened before I signed up. So I am at a loss again. I called SoFi again and they said I never applied for a fraudulent application which no one told me to do that so I did and I still haven't got a phone call or email back. I don't understand what is happening and why i can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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 2022-04-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. XXXX. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple Locked my money on my apple pay and wont let me get it back.My XXXX Is XXXX. Its XXXX On there They Locked For Absolutely no Reason on the date of XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/19 I contacted Fifth Third Bank to gain access to my MORTGAGE account online to view and print a statement. During the course of my conversation with XXXX he advised that he would have to open a XXXX XXXX XXXX ATM card for me in order for me to have access to my mortgage account. After 4 times questioning him on why I would need an ATM card to gain access to my mortgage account and me stating " I do not want any additional accounts with 5/3 - I only want online access to my mortgage account '' did he finally withdrawal his persistence in providing me with a XXXX XXXX XXXX  ATM card and was able to give me easy instructions on how to access my mortgage account online. If I had not questioned and pursued he would have opened a XXXX without my full knowledge. He was misleading and I hope 5/3 does not have a practice in opening accounts when the consumer is not aware and it is not their intent however, based on this interaction I believe they are doing this regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/22 I was called by XXXX to supply the letter of which apartment complex I lived in for an address in XXXXXXXX  XXXX. They were delivering a package that was ordered under my name from XXXX. I live in XXXXXXXX XXXX I called XXXX and they stated that my name was used and it was purchased with a genesis credit card. The email provided was different from mine. A week later, I received a bill in the mail from genesis fs card services for {$520.00}. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a Discover card that I do not use any more and do not get statements to this card either. My doctor accidentally processed my session on XX/XX/2022 using the incorrect card on file which I was not expecting. I even double checked with my doctor to make sure they used to right CC on file, that CC bill is set up for auto pay and paid in full every month. I got an email from Discover saying my payment was late so I paid my balance from the doctor and asked for the late fee to be removed due to the error. 

They would not remove the 2 fees on the account and said I will continue to accrue interest and late fees until the balance is paid. I closed my account and asked if they could please remove the {$80.00} in fees- as a single mom with XXXX kids, this was not possible for me to budget and I have a long credit history that is great with them. I called them today XX/XX/2022. 

I would like my balance brought to zero because it is just late fees and it will continue to grow every month unless I can get it stopped where it is and then be able to pay it off. Please tell me what my options are to get help. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: OK

Complaint narrative:
First Credit Services. Multiple repetitive calls from fake numbers to deceive me into answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi. I urgently need help. I am in the midst of purchasing a home and got a notice from the lender Comenity Bank ( XXXX Credit card ) showing my payment was past due for 3 months. The amount past due was approximately {$190.00}. However, in XXXX XXXX XXXX, I spoke with a CSR regarding my account and re-enrolled in autopay. The CSR stated that my account would be good to go for auto pay as well as paperless statements for the next 12 months. In 12 months I would have to call back and enroll in autopay again. However, this was not the case. To make matters worse, this was the second time I've had this same issue with the same company. I've been a loyal customer and have never had issues paying my bill on time. NEVER. I attempted to speak with 3 different managers over the past 24 hours and have gotten the run around 3 different times on how to have this fixed. I advised the managers to listen to the recorded phone conversations from the last 2 years and theyll be able to see exactly what was said to me by their customer service representative. Nonetheless, I paid the account back up to date. All of my bills are enrolled in autopay and I receive E-Statements because I am hardly at home due to my work profession. I am so close to accomplishing a life goal of purchasing a home but these 2 late payment notices are the only thing hindering it. My credit score dropped over XXXX points and I need to have this late payment removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I hold XXXX credit cards with Bank of America. I was enrolled for autopay on both cards using my checking account at XXXX XXXX. I recently closed my XXXX XXXX account and moved my checking account to XXXX XXXX. I neglected to update my autopay settings for my Bank of America credit card, and consequently my automatic payment for XX/XX/2022 was returned. 

As a consequence of this returned payment, Bank of America automatically and completely disabled my access to their online bill payment services for all of my credit card accounts. As a result of this automatic deactivation, I was not able to update my payment information in order to make payment from my new checking account with XXXX XXXX. 

This policy is highly damaging to consumers and should be prohibited. A consumer whose payment is returned is already subject to fees and penalties. Terminating access to the online payment system makes it more difficult for the consumer to correct the issue and make payment to the bank, avoiding further penalties and interest. 

Blocking the consumer 's access to Bank of America 's online payment system makes it more difficult for the consumer to make a payment, resulting in more fees for the bank. If the consumer 's payment is rejected/returned, the consumer should nevertheless be permitted to continue to access the online payment system, in order to submit updated payment information and make payment from a different source. 

Other card issuers do not impose this harmful policy of locking consumers out of the online payment system after a returned payment. Bank of America should be prohibited from doing so.

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 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Credit Card Services is using the united states mail to harass, intimidate and fraud me into paying a debt not owed by me. I demanded arbitration to resolve the matter. The company has ignored my request but insist on sending fraudulent communication to my mailing address. I do not have any agreements with Capital One. I demand that they stop sending me anything! I do not owe you a dime! You have stolen my identity and refuse to close this fraudulent account in order to keep getting paid for servicing a invalid agreement. STOP SENDING ME MAIL OR I WILL SUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX ACCOUNTS : -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 Subject has not satisfied debt. XXXX 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 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