vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank closed my Amazon Store Card on XXXX I did not request account closure and I am not in default. In the statement period from XXXX XXXX XXXX I made purchases of {$18000.00} in total on Amazon. With 5 % back and bonus rewards, I earned rewards of {$940.00}. Nevertheless, as Synchrony Bank closed my account, they also revoked my rewards immediately. No grace period is given for rewards redemption.

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Accoun Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 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 non-monetary relief
Consumer complaint received 2022-12-17 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: MI

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Accoun Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 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 2022-12-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/12 i get an email that my account is frozen and that i need to fill out a webform. I did not trust the email and I called immediately. I got a generic response that my account was frozen due to security reasons and nothing further. I was told account would be unfrozen within a half hour. Next morning I call after account still frozen. Im told i need to fill out webform which I do and that account would be unfrozen within 3 business days. Well its past that. Its the holidays and I need access to my funds. I can not go into a local branch as this is an online bank. How does a bank freeze my account and not have to provide a reason or a timeline to correct it? I asked for a supervisor several times and never got one. This bank has terrible customer service and should not be able to operate this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: MA

Complaint narrative:
If paid off our loan on time then we would not recieve any interest charges. XX/XX/2022 was the last day. On the XXXX we paid off the loan submitting 2 payments on line. On the XXXX Greensky charged us XXXX finance charge and then on XX/XX/XXXX they reversed one of our payments of XXXX I called our bank and green sky never attempted to process our payment. From our point of view green sky just reversed our payment in order to charge us all the interest. 

On their website it says that all disputes need to be submitted in writing to then with in 60 days. I have been through this same thing with XXXX XXXX XXXXXXXX. they always claimed to have never recieved our letters even when sent by a lawyer. 

Any help that you could give us would be greatly appreciated. I feel that writing and sending letters would be wasting some of our 60 day window. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I got fraudulent charge of {$1000.00} on XX/XX/2022 alerted bank of america with in XXXX minutes and they did temporary credit adjustment but then later refused to pay the claim. 
I need help with this Matter please. 
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 2022-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made on time payments with Synchrony Bank and missed XXXX payment due to using my debit card to purchase gas for my car. My {$60.00} purchase was charged for {$120.00} with half the amount being held for several days. Due to this the payment to Synchrony Bank did not go through and I was actually charged that amount as an overdraft fee. My bank reversed the fee back to my account and I contacted Synchrony and explained the situation and made my payment to get back to good standings. Synchrony lowered my line of credit from {$5000.00} to {$800.00} which had a negative effect on my credit score. By default my debt stayed the same but my credit utilization increased so my score lowered even further. 

After making my most recent on time payment I was informed by Synchrony Bank that my account had been closed because I missed a payment and because my credit score was not high enough. My score was over 700 pre-pandemic and now it is under 500. My complaint ( s ) are not just with Synchrony Bank but also with XXXX XXXX and XXXX XXXX that hold funds from your personal account for several days as a result of being a customer with the businesses that utilize their services. 

I contacted XXXX to see who to file a complaint with and the agent put me on an endless hold without even informing me that I would be placed on hold. I feel that the credit card and financial institutions along with the credit bureaus have unfair practices towards those who are impacted most by financial hardships.

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 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit balance on my business credit card. I asked CapitalOne to move the credit balance of {$3800.00} to my CapitalOne checking account in early XXXX. They sent me a check instead but put it in the name of the business that I have no checking account for. I called them and asked them to put the check in my name. They then said they have to stop payment on the check and it would take XXXX business days to get me a new check and it should be there by XX/XX/XXXX. Once again, I requested that they put the funds in my CapitalOne checking account. They didn't. They sent the check to wrong address. On XX/XX/XXXX, I called again and they said they had to stop payment on the check that was returned and it would take another XXXX business days but this time they would put it in my CapitalOne checking account. Today, XX/XX/XXXX makes it 9 days since they promised to put the funds into my checking account so I called and they said even though the supervisor requested XXXX, they made another check and it was mailed on XX/XX/XXXX and It will take additional XXXX business days. They refused to give me another supervisor. They have had my {$3800.00} for more than a month. They ruined my XXXX for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/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 2022-12-17 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: NJ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I was informed XXXX XXXX XXXX filed suit of a credit account they purchased in Small Claims court. I asked for information on the original credit card company and was denied any information on a old Credit card dispute over XXXX XXXX years ago. I am on a XXXX XXXX XXXX as of XXXX. The last payment was in XX/XX/XXXX but was told to get a copy or statements from XXXX XXXX XXXX I would have to pay all late fees and over limit fees FIRST... The dispute is the original Credit card XXXX would Post most payments on the day after the due date every month. I made a point to MAIL all payments in XXXX weeks prior to due dates ... After multiple attempts of trying to resolve the dispute and having my dispute filed to Credit Bureau .... The harrassment was overwhelming and the only recourse was to close the account which I did in XXXX. XXXX of the amount they claim I owe are Fraudulent Late Fees that continued for years. I am on a XXXX XXXX Permanent medical XXXX. Thank you for any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I use CashApp to transfer money back and forth between my employees, family and friends. CashApp launched a XXXX service last year that made it easier for average consumers to purchase and hold XXXX as well as send XXXX back and forth between consumers on the service. A scammer reached out to me trying to sell me an investment opportunity in XXXX and this investment had to be made through the CashApp service. I unfortunately became victim of this con and lost over XXXX XXXX dollars to the con artists on this CashApp platform. This happened between XXXX and XX/XX/2022. I reached out to CashApp to file a complaint about the lack of protection for consumers in the service. They let scammers and fraudsters use their service to exploit people like me. I even sent letters to them through certified mail but I have heard nothing from them. I feel like I have run out of options with them. I have all the records as well as correspondence with them and with the fraudsters and well as all the transaction records. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase closed my credit card account on XXXX In the letter Chase sent to me, they claimed they closed my account because of 'suspicious activities. ' I contacted Chase by phone and in person to find out what suspicious activities were, but they said it is confidential and they can not tell me the details. I also said additional information can be provided if they suspected any activities on my card, but they refused. I used that card to shop on XXXX and all transactions can be tracked, so I'm not sure what kind of suspicious activities could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX failed to provide documentation due to it's have the wrong social security on file does not have state identity card number by government law wrong personal use my personal information with a different social security number these should be removed off my credit report should not be reported no more

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I've been a victim of identity theft, i filed an FTC report # XXXX on XX/XX/2022. someone used my personal information for apartment leasing. now it's on my credit report. 
I've contacted XXXX credit bureau soon after I filed the FTC, its been more than 45 days and this collection/derogatory account is still showing up on my credit report. 

Account in question to be deleted is : Genesis Credit ManagXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NJ

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 2022-12-17 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr cooper has a partial payment option and additional payment options. I use the partial payment option every month. I am usually paid ahead a XXXX  or XXXX. Website says partial payments will not be added until a full payment is reached. Well my funds are always applied as additional principal by mr cooper. As i stated there is a different option for that. I call every month and ask them to correct this and to reapply my funds to the payment. This past XXXX  was no different. I called XXXX  and chatted and see they reversed my payment back to additional principal and I was not credited for my payemnt due XX/XX/XXXX. I made enough payments by mid XXXX. Well On XX/XX/16 because of misapplied funds and a website and customer service that do not function correctly. I was hit with a late fee for a payment that I made a XXXX  ago and also asked to have it correct on multiple times. Please have this institution correct this payment error not just this XXXX time but whatever makes them apply my funds differently than i request.

Company response to consumer: Closed with explanation