vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to express my profound dissatisfaction and concern regarding my PayPal Credit account, serviced by Synchrony Bank. I have been a loyal and responsible cardholder, ensuring that my payments are made on time, with rare exceptions where payments were delayed by only a few days but never exceeding 30 days. Despite this, I have experienced unwarranted and repeated reductions in my credit limit, which not only affects my purchasing power but also unjustly impacts my credit score. 

This arbitrary action is perplexing and unacceptable, especially given my commitment to maintaining a good standing on my account. Synchrony Paypal institution prides itself on technological advancements and customer satisfaction, yet these reductions seem to reflect neither. They appear to be punitive measures without basis, significantly undermining my trust in your services and jeopardizing our ongoing relationship. 

Furthermore, I have encountered persistent issues with linking my bank accounts to my PayPal account for online payments. This technical glitch contradicts their claims of technological prowess and significantly inconveniences me, a busy professional with limited time to address such matters. The inability to make payments online, forcing me to allocate precious time from my schedule to make phone payments, is not only archaic but also inefficient in today 's digital age. It is bewildering that Synchrony Bank has yet to resolve this issue, thereby hindering my ability to manage my finances effectively. 

I urgently request a comprehensive review of my account to understand the rationale behind the reduction of my credit limit. I also demand immediate action to rectify the online payment system to allow for seamless bank account linking and mobile payments. Their prompt attention to these matters is not only expected but required, as it affects my financial flexibility and the integrity of their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I have my income tax return places on my Venmo account I went to transfer money around because we found a home. We have been homeless for over a year and Venmo froze my account you can only speak to them through email no customer service live person they asked for my ID and proff of ownership of the account I was sending money to I supplied them with what they wanted then on XX/XX/XXXX I got an email from them stating they have permanently deactivated my account and my {$5500.00} will be sent to lost prevention and if the decide to make my money available to me they will email me from the email on the account they said they dont have to give me a reason for security purposes but that they will keep my money for 180 days period. We have nothing this was all we had to get on our feet and they just took it cant even tell me why or give me a number to call. We are poor this is a lot of money to us we need this money every dime we make goes to paying for hotels to keep our kids warm we had a home and lot it over this and a car this is beyond devastating to my family please please please I pray you can help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This Account is with Capital One Bank, the account in question belong to my decease brother XXXX XXXX who pass away, XXXX XXXX. My brother was not married nor did he get any children 's. So I found out that my brother had his account with Capital One, went to Capital one bank, I informationed the bank of the passing of brother, showed the paperwork that I got from the XXXX XXXX listed Me XXXX XXXX XXXX as his admin for his estate even thought he does not have nothing much, Now from that time till now Capital one Bank is giving me a run a round about the money that was in the account. After the back an fourth between email 's and phone calls, I saw a statement for the account where the funds was taken from his account by XXXX, I file a complain with capital one bank fraud department about it, and still haven't got no response from capital one bank to this day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
In XXXX I received a loan based on need that was predatory and illegal in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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 recieved an Amex Gift card today for {$230.00}. And now can not use it. I checked the balance everything is there. I tried four different stores and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date of delinquency incorrect and tradeline should be removed as such

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. 

HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Prosper reports old account against me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just took a look at credit report XX/XX/24, and found a charge off from sprint who is suppose to be orignal creditor. 

1. account. XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) Date opened on the 2 accounts do not match/ this is a charge off allegedly. 

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 USC 1681 s-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 calls to believe that the information is inaccurate. 


THIS IS A VIOLATION OF MY CONSUMER RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
It has come to my attention that COMENITY BANK are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Today, Saturday, XX/XX/2023, I tried to use my Affirm.com online credit card and the entire company was shut down! 
Their Android APP, WEBSITE and PHONES were all unreachable for over 10 hours that I tried to use and contact their company. Finally at XXXX XXXX  I called them and their recording didn't say they were having system problems anymore, which was the response all day that they were having systemproblems. It was a 38 minute wait so I opted for the call back. They called me back. I told them that my available credit, was {$4000.00} last week, however today it is zeroed out {$0.00} after their entire organization in person and online went down! And was inaccessible. 
I asked to speak to a supervisor and was informed that no one was available. This call center is NOT in the United States! 
This company has billions in $ $ with millions of people 's credit card accounts online IN THEIR OBVIOUSLY NOW HACKED SYSTEMS ONLINE! 
PLEASE find out why their entire company was not reachable for over 10 hours today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX was transferred out of my account fraudulently and Wells Fargo denied my claim and closed my 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 explanation
Consumer complaint received 2024-03-03 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out any and all authorization. 15 USC 6802 ( b ). Opt Out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND XXXX XXXX BREACH. 

HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND XXXX XXXX BREACH. 

HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex is practicing corrupt treatment towards their cardholders. On XX/XX/2023, I purchased a pair of sunglasses from the merchant XXXX for {$460.00}. They sent me a damaged pair of sunglasses and I immediately reported it to them. They refused to send me a label for return. I complained to American Express and all Amex does is simply ignore me as a customer and bill me incorrectly. They refuse time after time to examine the documents I send them and just close out my dispute with the bill remaining on my account. The most frustrating aspect of Amex is their cruel behavior of responding robotically the same response to each of my claims. They simply say the merchant delivered the items and the bill shall remain of the account. Regardless of delivery, that isnt at all the case. The case is that they delivered damaged items against our terms of sale and they refuse to send me a label to return it. I even asked Amex to show me a label from the merchant but they refuse. All they do is say there was delivery and they bill me despite the delivery being out of terms by sending me a damaged item. 
Amex must be investigated. This is not the first time they ignore customer disputes and respond robotically clearly proving they do NOT ever actually examine any case but rather just bill consumers erroneously. I venture to say that they probably get the money back from the merchant and bill the customer as well because my case is so clear cut they should easily get the money back from the merchant. This should be investigated and they should probably be shut down for corrupt practices. 
I must reiterate that this case has been ongoing for over 6 months already and NEVER once did Amex properly examine my documents or any of the case details and the proof is their response is always the same generic response. Never did they even ask me about the damaged item. They simply just keep billing me despite a clear case of the merchants non compliance. 
The bottom line is, I am due a refund because I can not be held responsible to pay for damaged items that the merchant refuses to accept back for return. And I stress that the merchant never provided me an actual label to return the item back to them and surely I can not be held responsible to purchase a shipping label on my expense after their failure to accommodate our sale agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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:
It has come to my attention that XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within XXXX  days of this notice or else a lawsuit will be filed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
It has come to my attention that XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
RE : CEASE AND DESIST SECURITY CREDIT SERVICES currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX, XXXX. ( 1995 ). XXXX 's XXXX XXXX ( XXXX XXXX. ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as as follows Security credit services within 30 days from receipt of this notice. 
By : Shericka-D : Brown without prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: NY

Complaint narrative:
I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
An international hacker got in my checking account and deposited a fraudulent check that resulted in my account being closed. I reported the incident on ic3.com and asked USAA if I could be given a new account but they ignored my request and sent me checks for the funds I had in my checking and savings accounts. I had just gotten my account back and I really needed to have it and didnt think it was fair I lost it when this individual was hacked into my bank accounts, social media, utility accounts, and ID me account stealing my money and getting my accounts closed unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation