vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Being a 22+ Amazon Prime member I opted to take out the Amazon Store card with Synchrony Bank in XX/XX/XXXX. Every month I pay the entire statement balance ranging from {$800.00} - {$1200.00}. Each month I pay via Synchrony online system and this payment clears my bank within 24-36 hrs. NEVER a problem with XXXX, XXXX, XXXX or XXXX payments EACH month however my payment fails to reflect on available credit. EACH month I contact Synchrony forced to waste time with their online AI Assistant i believe designed to discourage communication. Then once connected to human being again wheels spin as the customer svc rep merely recites FAQ answers. I have to repeatedly request a supervisor and forced to go through my entire comment requesting reasoning for payment not being applied to my account as reflected in available credit. Again today XXXX XXXX the Synchrony Account Mgr for Amazon Store Card recites the FAQ response " The systematic hold can be done for various reasons, such as large number of payments made within specific time period, payments on new accounts, previous returned checks. Please be advised, that high payments are generally held to ensure they clear. '' I then point out to them the exact date the payment cleared my bank, on this call I cited XXXX was made XX/XX/XXXX and because of XXXXXXXX XXXX XXXX was cleared on XX/XX/XXXX. I also point out Synchrony Bank system emailed me XX/XX/XXXX indicating payment has been processed. My online payment was made 7 days before due date XX/XX/XXXX, cleared on XX/XX/XXXX and instantly transferred to Synchrony. I repeatedly request WHY my payments are not fully applied to my account and that their policy of holding that payment because " large number of payments made '' is nothing more than a penalty for paying the entire balance. Based on my XXXX yr career in XXXX XXXX Synchrony 's policy violates Consumer Protection laws and allows Synchrony to use my XXXX  as float on their balance sheets. Additionally, I have experienced my payment method for this card on Amazon transactions defaults to 6 deferred pmt option eliminating 5 % cash back. I'm forced to change that with each transaction. I've complained to Amazon and Synchrony on this predatory practice and have after 4 months seen my 5 % back option as default. For consumers not paying the entire balance the 6-default payments reduces their available credit and shows on their credit bureau utilization . I request formal action taken against this predatory practice and the holding of payments.

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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I do not know the company, have requested information from them, as well as sending a copy to you. This collection account is listed as open on all 3 credit bureaus. An open status indicates that credit is still being issued and constitutes FDCPA violations. FDCPA 15 usc 1692 e2a, falsely reporting legal status of account as open as defined by 15 usc 1681 af. This account must also be removed from all 3 credit bureaus for inaccurate reporting. It is listed on XXXX, and XXXX but not on XXXX. All of this as well as them not being able to provide proof of chain of ownership among other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: NJ

Complaint narrative:
Myself and my husband signed up for a debt settlement program through freedom debt relief, and was assigned to the Law Offices of Robert S. Gitmeid & Assoc. who were providing the services. I have paid in approximately $ XXXX since XXXX and have been contacted on 2 different occasions asking for an extra payment to cover a great settlement offer that they received for me. After the latest call asking for an extra payment on XX/XX/2024. I became curious as to the status of my account, as I had never logged in before. I was able to access my account online and immediately noticed that my account balance was at XXXX. That seemed very strange to me, as I know Ive paid in a lot of money. I wasnt aware exactly how much at the time, until I started calculating everything. Thats when I noticed the extremely high fees that I was being charged. Even before the accounts are even paid off. On one of the accounts that I calculated XXXX ), I was actually going to end up paying more then what I initially owed, between the settlement and their fees. The whole point of doing this program is to save money and get out of debt and I feel like Im being taken advantage of. Especially in my situation, where my husband is a XXXX vet who is no longer able to work and we are working with 1 income. I asked to cancel the program and be refunded, but was immediately told that they dont refund ANYONE and that I actually still owe them money, {$800.00} something dollars to be exact. This is very scary that companies like this can just take advantage of people in desperate need of help. I ask that someone please look into this matter, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive summated several documents to this company letting them know that the information is wrong and I did not give anyone permission to use my information nor did I give TransUnion Written consent or permission to furnish any of that info on my credit report. 

Nor have transunion or XXXX even Marked the response of my dispute in there system, its like it never happened and only when I call, and when I talk to customer service Transunion tell me they not doing anything about my dispute because they believe it was sent through a 3 party witch I didn't and ive told them that and have repeatedly sent several documents with ID, Proof of address and even sent in a FTC report. still no help its been months Ive talk to supervisor at XXXX let him know that ive called sent letters and he and have been trying to get these inquiries off for over an year and he Immediately apologize and said that the situation will be fixed immediately and I had nothing to worry about its been over an months since that conversation and still no avail.

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 2024-02-23 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: VA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account numbers XXXX and 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. states a consumer reporting agency can not furnish a account without my written instructions This company states that accounts are not on my file but i check i see them there, so i need it removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
I am currently unemployed. I emailed the company on XX/XX/year> and asked to make one final payment of {$350.00} on XX/XX/year> to close my account and they refused. 
As of XX/XX/year>, I have made {$160.00} in payments toward a {$510.00} loan. The {$350.00} final would cover the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: IL

Complaint narrative:
I added {$10.00} to my Cash App account from my XXXX XXXX account but the money is missing. Cash App is claiming that the money was never transferred to my Cash App account even though I spent it using my Cash App debit card and also received a 5 % discount on my purchase. 

As a result of using my Cash App debit card to make purchases I now have a negative Cash App account balance. Cash App owns me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2024, I had a deposit into my business checking account for {$6500.00}. 

On XX/XX/2024, I attempted to transfer funds from my account but was not allowed to do so. Additionally, I could not use my debit card either. I contacted the bank and was told I need to verify my identity. I was sent a link to my email address where I had to upload a copy of my Drivers License and scan the barcode on the back. This was done and I was also asked to do facial recognition by holding the camera to my face. I completed the two tasked that were asked of me. The agent I spoke with on the phone indicated that it takes two business days for verification to occur. Approximately an hour later, I received an email that stated my account had been deactivated. I called back to get an idea of why this happened and was only told to refer to the email. No other information provided. I'm distraught because I have over XXXX being held for 90 days before being released. The email details are below. 

Hello, We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated.

What does this mean? 
You still have access to view your Square Dashboard, but you will not be able to process new transactions using Square. Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2024. 
Please note that the release date and amount available for release are subject to change based on any additional activity, including chargebacks or bank returns that occur. If there are any chargebacks, they will be covered using the funds held in your Square account. If the held funds are not sufficient, your linked bank account may also be debited.

If you have a payment that hasnt yet been deposited, please see our support article on issuing credit card refunds to your customer and accepting an alternative payment method. Customers who paid via bank transfer must initiate a return directly with their bank.

Thank you for choosing Square. We understand that this decision may cause changes in how you run your business and did not make it lightly. For more information about our policies, please review the Square Payment Terms. 
We appreciate you considering Square for your processing needs.

Sincerely, Square Account Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution.

The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against Toyota XXXXXXXX XXXX. 

It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. 

Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. 

On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. 

I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. 

This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXX XXXX XXXX is not doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NC

Complaint narrative:
My employer sent on a monthly basis {$100.00} through " XXXX '' a third party vendor that manage those payments, to Ed Financial. they did applied XXXX payment, however, they have not yet apply XXXX payment for the amount of {$100.00}. I've followed up twice with Ed Financial and Nothing yet. I'm, getting worries that they are mismanaging those payments therefore my loan is not amortizing correctly and timely, at the worst, they are appropriating my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief