vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
On XX/XX/year>, I made a {$30000.00} ACH transaction initiated from my Flagstar Bank ( Mortgage ) account to withdraw funds from my XXXX Bank account. The funds in the XXXX Bank account had not cleared yet, so the transaction was denied and I was charged an NSF fee from XXXX. 
On XX/XX/year>, without any action by me, {$30000.00} was withdrawn from my XXXX bank account by Flagstar Bank. I have received the following information from XXXX Bank : The XXXX Transaction Trace Number is XXXX. The SPRAY number is XXXX This transaction was recorded by Flagstar Bank as a Return to XXXX Bank. XXXX Bank has recorded it as a withdrawl from my XXXX Bank Account. I have had many telephone conversations with Flagstar Bank and XXXX Bank. I have provided all the back-up documentation requested. 
At this point, I am out {$30000.00} plus interest from XX/XX/year>. 

I have attached the related Bank Statements and transaction details from both Flagstar Bank and XXXX Bank.

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 2024-08-24 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: FL

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

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-08-24 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: FL

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

15 USC 1681 Section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Contacted Synchrony Bank customer service on or around XX/XX/XXXXXXXX XXXX XXXX XXXX concerning my bill being XXXX when it's normally XXXX. I was transferred to another department. When I spoke with the young lady I inquired as to why my bill was {$30.00} higher than normal. She told me that I as being charged some sort of fee ( can't remember the name ( every month and it would cause my payments to fluctuate depending on my ending total balance. I expressed to her that I didn't understand because my payments had been the same every month except for the months of XXXX ( which I called in about and another rep fixed and said my bill would return to my normal payments ). She advised me that I had been charged this fee since XXXX and that the only way I was in the program was I had to opt into the program when I applied for the card. I told the rep I had no idea about the program and that I was no longer interested in paying/participating. She stated she would remove me from the program and that I was APPROVED to receive a REFUND, and I would receive a check for all the money I had paid so far, which was XXXX XXXX.I told her " Thank you and nothing else was needed. '' fast forward to XX/XX/XXXX I check my online Synchrony account to see that a refund had posted on XX/XX/XXXX, but I still had not received a check. XX/XX/XXXX, I received a letter from Synchrony saying that my claim had been denied and I was not going to receive any money back due to it being past a 90-day promo period, but instead they would give me a courtesy credit and credit my account with the {$580.00} instead. I was floored that I could be told I was approved for money I didn't as for in return just for the company to send me a letter 2 weeks later saying " Yea we lied, but here be grateful for this ''. '' real SHADY business practices

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 2024-08-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ATTENTIOXXXX XXXX XXXX NEED TO INVESTIGATED MY FRAUD ACCOUNT My name is XXXX XXXX XXXX have a active investigation going on regarding an account that was opened while I was XXXX  in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally XXXX XXXX XXXX XXXX  at the time of this alleged account being opened XXXX getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was XXXXXXXX XXXX XXXX XXXX XXXX XXXXl. XXXX not sure if my family members made this account while I was XXXX  because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point XXXX just so fed up and so damaged by this allege theft that has taken on my behalf XXXX willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. XXXX tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because XXXX really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me Have my release from jail papers attached with this letter and copy of my id to identify me, commissioner letter, also letter that was sent couple days before this letter has my letters also so I dont understand or what more your company wants me to prove that XXXX not the owner of this debt. I paid the allege debt that was charged off XXXX just asking for it be removed I proved every form I could get from courts and nothing seems to be good enough for your company

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 2024-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/year>, I transferred phone service from XXXX XXXX to another provider. XXXX acknowledged the transfer by text on the same date ( attached ). On XX/XX/year>, I received an email bill from XXXX indicating that {$120.00} was owing for service through XX/XX/year> ( attached ). Clearly, XXXX was attempting to charge me for an additional month 's service. I contacted XXXX and requested an itemized copy of the bill for the amount they claimed I owed. Instead of producing the bill, XXXX sent my account to three collection agencies in succession, one of which was Transworld Systems , Inc. ( TSI ). 

On XX/XX/year> I responded to TSI and requested a detailed accounting of the charges XXXX claimed I owed in response to their collection letter ( see attached Certified Mail Service signed by TSI ). When TSI did not respond within thirty days to my request ( a violation of FCRA ) I filed complaint # XXXX with CFPB. By letter dated XX/XX/year>, TSI responded to CFPB that they had closed the matter and that it was their " intent to have no further communication... regarding this matter ( See attached ). CFPB closed the case. 

Now, almost a year later from their initial collection letter, I have received yet another collection letter from TSI concerning the same matter ( see attached TSI collection letter ). 

I do not owe XXXX XXXX yet they continue dunning me through collection agencies. TSI is unable to demonstrate that I owe anything to XXXX, as indicated by their letter dated XX/XX/year> to CFPB. TSI is in violation of FCRA by their willful and knowing non-compliance with the Act by continuing to attempt to collect a debt they have already acknowledged I do not owe by closing their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This is in regards to Synchrony Bank. I have ( had now ) three cards through this credit provider - MyLowes Rewards, XXXX XXXX and Amazon, which I have had amazon for about 10 years now. 

At the beginning of XX/XX/year>, I received an email stating that my account information had changed on the Lowes Card. Upon logging into the account, I noticed that someone changed my address to a XXXX South Carolina address and had made two payments to pay off the account in the sum of {$4300.00} from TWO separate checking accounts that were saved under my Lowes Account. And I pointed out that I did not make the payments, as I am not going to attempt to pay a card off if I do not have that amount of money, considering my wife and I live paycheck to paycheck taking care oXXXX XXXX XXXX 

The agent ( s ), I spoke with more than one, stated that they were going to start an investigation, all in which over the next week of changing passwords repeatedly because someone kept getting into the account with every password change I made, makes me seem to think that someone from Synchrony was actually getting into my account and making these changes.

Just a couple days ago, Synchrony closed my XXXX XXXXXXXX account and my Amazon credit accounts, due to their reasoning that I made payments on the account of Lowes that were dishonored by my bank, even after calling Syncrhony and reporting the fraudulent payments that were made under my account. 

So all-in-all, they are punishing the customer by closing all my accounts with them, due to fraud from someone getting into my account because of the dishonored payments that I did not make to the account and that I reported as fraud. 

Then on the phone calls, wanted to accuse me, the customer, of doing this. I do not think that Synchrony should have been able to close my other two good standing accounts with them over the fact that I reported fraud to them about the payments and that the full {$4300.00} payments twice were returned because of not having that amount of money in my accounts. I had also setup XXXX XXXX payments on the Lowes card to pay off the balance because that is all I could afford to pay on the card each month. 

I am not going to make a payment to pay off an account without actually having the funds in my account. They are actually hurting a consumer rather than trying to protect them and then punishing the consumer/customer AFTER reporting fraud on their own accounts.

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 2024-08-24 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: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Since the inception of the implied business transaction between myself and said company, they have violated various federal laws that protect consumer privacy and the laws governing securities. They have shared my transaction history without my consent with third parties in violation of 15 USC 6801 ( a ) and the Privacy Act of 1974, have practiced unfair and deceptive practices under 16 CFR 433.2 and 15 USC 1692e both which also include a violation of 18 USC 1341. I was not given ANY opportunity as a federally protected consumer in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ). It is ILLEGAL to report transaction history. 
They were given a chance to rectify the matter by updating any and all transactions to paid as agreed and to compensate me for each violation. They have not responded to date. They are CRIMINALLY liable under 15 USC 1692e, 15 USC 1611, 15 USC 78ff, 18 USC 1341 and any and all other laws that govern securities fraud, and consumer privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-24 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:
Following 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 U.S.C 1681 section 602A. 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.

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 or 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 ) ( a ) 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.

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiryXXXX 
- Creditor Name : XXXX XXXX XXXX . Date of inquiry XXXX 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX . Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry XX/XX/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 2024-08-24 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: Experian Information Solutions Inc.
State: CA

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.

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 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 2024-08-24 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: GA

Complaint narrative:
Credit card application was. Made by someone using capitol one I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed

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 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
My money XXXXXXXX XXXX transferred on XXXX XX/XX/XXXX to my XXXX XXXX  account is still not deposited..they are saying it is compelted. but it is not deposited..I gave the bank statements as proof. 

I used Remitly to transfer the money..

Remitly marked my transfer as complete. but no money is deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have contacted XXXX for years about reporting inaccurate information on my credit report to no avail they are reporting lies on my name and hurting my personal life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Someone successfully opened a Capital One credit card with a {$1000.00} limit in my name, without my knowledge. I suspect this may be linked to a renter 's application I submitted four days prior. The application required me to upload pictures of my ID, Social Security card, and home address. 

The rental application was completed on a website called XXXX  which appeared legitimate when I reviewed it. However, after I sent a {$65.00} XXXX payment to the supposed landlord, I noticed some inconsistencies : his name on XXXX differed from the name associated with his cell phone. When I questioned this, he claimed the other name belonged to his lawyer. Fortunately, I didn't send the additional {$400.00} required to secure the rental. 

Four days later, I discovered that a Capital One credit card had been opened in my name, likely as a result of this scam.

Company response to consumer: Closed with explanation