vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged VAT for a rental car in XXXX. I am an American citizen. Tourists are exempt from VAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
All of my personal information was hacked into and I am receiving constant emails about loan applications and credit card inquiries. I did not give my permission for this to happen. I have damages to my vehicle due to authorized repairs that I did not approve as well. My email and phone number are completely compromised. My phone carrier is XXXX  XXXX and they have allowed another person to have full access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account was opened in XXXX. It been open for 8 years so far. This collection shouldnt be on my credit report, the collection agency said they purchased the collection in XXXX, how they did purchase a collection after 5 years it been open & reported to my credit report, I think the amount its incorrect, I called and I ask about the record from the old agency that they bought the collection from. They told me they cant I provided me with anything because they dont have no record from the old company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: OR

Complaint narrative:
To Whom it May Concern : I have a PayPal account and a PayPal credit card through Synchrony Bank. On XX/XX/22 I made a purchase for {$6100.00} for my daughters braces to XXXX XXXXXXXX XXXX. The payment went through and my credit card was changed that amount. I have never had a balance that high so I wanted to immediately pay it off as I always do anyway. I have never been late for one payment and I usually pay my bill multiple times a month to keep my balance down. I submitted a payment late Thursday night XX/XX/22 on the webside and there was a message that the transaction failed and to try again later. So I immediately tried again to submit the payment but it failed again so I decided I would try the next day. The next morning on XX/XX/22 I had an email from paypal that the payment went through but there was 2 emails and the payment went through 2 times. I called the credit card that day and said they had made a mistake and processed my payment 2 times. They said there was nothing they could do to stop the payment from being processed through my bank account. They recommended if I didn't want over XXXX being taken from my bank account I could call my bank and do a stop payment to avoid the withdrawl. The other option was to have it processed then have the credit company issue a check in 15 business days for the mistake. Since they recommended the option of doing a stop payment I chose that because I did not want my bank account drained. I called my bank, XXXX and they stopped the payment, they could not stop just one they had to stop both payments. After that Paypal cancelled my bank account as a payment option because the payment did not go through. I called paypal and explained the situation and added my bank account again and made the payment on XX/XX/22. This was after trying to go online and pay and the payment and it was rejected because I didn't realize they took my bank account off the payment option. I also tried to by gas and my card was rejected. I called back and found out that Synchrony closed my account and didn't even tell me. I feel I did nothing wrong. I paid all my bills on time and just followed the advice of the customer service rep that day to put a stop hold on the payment so my bank account did not get drained 2x the amount I actually owed. I did call and complain and asked them to review my records and reopen my account but they still denied me and closed my account. This is an injustice to me. Please help me resolve this issue. I am hoping this does not damage my credit score. I applied for another credit card with XXXX XXXX and I was denied on XX/XX/22. This is very upsetting. Thank you for your time. 
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 2022-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Ally financial is falsely reporting inquiries made in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WA

Complaint narrative:
Hi, On XX/XX/2022 I called Edfinancial Services at Direct Loans- for account numbers beginning with XXXX XXXX  '' : Toll Free ( general inquiries and phone payments ) : XXXX I asked for two refunds for two payments made on : XX/XX/2022 : {$400.00} XX/XX/2022 : {$4000.00} My account number is XXXX. My current balance is {$5600.00} and they have not refunded the 2 payments made nor added the total back to my Federal Student loan balance. Please see if you can have them correct my balance after issuing me a refund for the two payments made. They did not give me an email confirmation that this request was made, I just have my phone records, which I believe is a really poor customer service experience. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX consumer report : Dispute 1 Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXXt 2022 my password was stolen from PayPal credit. I contacted PayPal and filed a resolution immediately. In one hour they investigated it and said that i had always made money transfer to people over a XXXX . Never have i and my account verifies that. They will not help any further. Then with in 3 minutes my credit union was entered and hacked for three transaction for more than {$2400.00}. I had give no one my password or PayPal or my account numbers for my credit union. Synchrony Bank in Florida is the bank which provided the money to transfer funds and now wants me to reimburse them because the PayPal account had no funds in it. Now i might have lost almost {$5000.00} if they take me to court.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
Purchased {$25.00} vanilla gift card and tried to check balance and site said invalid card. I called customer service and they said my card was locked due to potential fraud and they would have to send me another card in the mail taking 7-10 days! How can they lock my card right after the purchase of it? I think they are doing this to hold your money longer ( draw interest of your purchase ) without you being able to spend your balance. Im sure they are doing this to slot of people! Please do something! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have two problems with capital one. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit walmart credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front XXXX back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY walmart card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole capital one company a joke or are they trained correctly? I want this fixed!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2021 I applied for a CareCredit credit card through synchrony Bank. They had a hidden promotion using a deferred payment amount that would charge 26 % interest after 12 months of payments. They don't make it clear that this was the type of loan when receiving the card. I was under the impression that this was a standard credit card with a limit and interest rate. I just got to month 13 of my auto pay, and saw a higher balance, so i tried calling them and seeing if I can pay off the card without the deferred amount since I didn't know it was a promotion. They basically told me I should of figured out all this by reading my statements carefully. This is a scam designed to have the customer believe he is paying on a credit card then set him up for a high interest loan.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On or around XXXX to XXXX I saw a Loy of pre approvals on Credit Karma. At first I didn't pay attention to the advertisements but Credit Karma kept sending me emails and all sorts of pre approvals telling me that I was pre approved for credit cards personal loans, and that I can refinance my car everyday I would see these offers when I log in to check my credit score. So after a few months of being told I was pre approved I thought I was in the perfect place to apply, I got so many offers through Credit Karma I started telling my familytqhe good news and we talked about vacations and investments we were going to use these pre approvals for. So I applied sometime in XXXX and XXXX for offers and I got denied for everything I applied for. I was distraught and very very angry and I felt deceived. I was marketed to for months from credit karma telling me I was pre approved, this was a lie, I was sevearly stressed I was XXXX  for weeks, XXXX  so bad, my XXXX XXXX went up. I became XXXX, my XXXX  went from 0 to 100. Now every time I see pre approval I immediately close my phone or shut off my computer.This has made me so uneasy and anxious that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: LA

Complaint narrative:
Address XXXX XXXX XXXX is on my credit report and i never lived there ever. I may be dealing with fraud because accounts was open with these companies i know nothing about. List of companies or Jefferson Capital systems, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, 3 with XXXX XXXX XXXX and XXXX XXXX XXXX. I have'nt open any acounts in XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX XXXX report : Dispute 1 Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my XXXX, XXXX and Experian consumer report : Dispute 1 Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX TRANSUNION is in clear violation of the law, Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY SAYS that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give TRANSUNION written instructions to furnish these accounts on my consumer report. 

And further, TRANSUNION is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) because three ( 3 ) disclosures were not given to me. The law is as follows : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party TRANSUNION has to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. TRANSUNION did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. 

And further, TRANSUNION is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : 5. TransUnions credit database We limit access to TransUnions consumer credit database and make it available to only the following : entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act ( FCRA ) ; entities with a permitted use under Title V of the Gramm-Leach-Bliley Act ; companies who resell our data as permitted under law ; and companies who process data on our behalf.

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