vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a credit account with PayPal and have never been late in making payments. I go online as normal and made multiple payments from my XXXX checking account. PayPal sent me a notification that all of my payments were returned checks, even though I never wrote any checks. I was told that my checking account had become disconnected from my credit account and would not go through even though I made sure it was reconnected. I was then told it takes 4 to 5 days for the re-connection to be completed. That should not be me ( the customers fault ). I tried in good faith to pay on my balance but was rejected because of technicalities. I then called and read my debit card over the phone to pay the original amount I wanted to pay. Now Im told that because these previous payments were rejected ( through no fault of mine ) that my account would be closed, even though I have been a stellar client. This closure will look bad on my credit reporting agencies. But, I was told I basically have to grovel to get this PayPal ( Synchrony bank ) to get them to reopen my account once it is closed. This is unfair and not because I did anything wrong. Only because this company relies on computers to instruct them with how to deal with clients. Im XXXX XXXX XXXX and retired now, and I have great long term relationships with major financial organizations. Here is a relatively new banking institution who knows nothing of the value of a good client, and they could care less to treat me in an abysmal fashion. This cant be legal! It certainly is not ethical!

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 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I authorized {$1.00} to XXXX third party account but later {$99.00} was withdrawn from my checking account. Dont know how it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am a senior citizen and just refinanced my home and used the equity to pay off debt. The escrow company issued a check to me so I could mail my payment of {$2100.00} to XXXX XXXX XXXX ( Comenity Capital Bank ), which pays my account in full. After a week, my payment did not show up on my account. I called them, they said they didn't get it. I waited another week and sent them a message and a copy of the check I sent them. They sent me a letter saying they would investigate the dispute. 

I called the escrow company a couple of days later and they said the check was cashed on XX/XX/XXXX. I sent another message to the credit card company and attached a copy of the canceled check to prove it was cashed. I did not receive a response. 

I called them today and waited almost 40 minutes to get a customer service representative on the phone. Although she was polite and professional, she said it had to go through a dispute process! XXXX

I asked to speak to a supervisor and waited another 22 minutes for him to get on the phone. He was very rude and mocking and said it had to go through a dispute process and would probably take up to 90 days. 

I am totally being jerked around. I have given them proof that the check was cashed. 

Please advise. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.

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 2022-07-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.

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 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I disputed an unauthorized transaction and the company declared that it was an authorized transaction. I called again to have them re-open the unauthorized transaction case and i added the details of the police case number. Within XXXX hours I still was notified that the transaction was authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
please remove unauthorized inquiries from my report ... ..all 32 items

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I applied for credit and was denied because TransUnion reported a score of XXXX, yet the TransUnion score reported to my monitoring service ( XXXX ) shows XXXX. 

Why is there such a large discrepancy? Shouldn't I as the consumer have access to the my data that TransUnion sells to companies deciding my credit worthiness?

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 2022-07-22 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: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/22 I booked an hotel and checked out on XX/XX/22. I contacted the hotel and they stated the release has been lifted & the funds shouldve been returned by now. I contacted cash app on XX/XX/22 at through out the day on chat and then by phone at XXXX and I were then left in a incomplete chat and then phone call I were left on hold and kept being asked to hold for close to 45-50 minutes for the cash app representative to repeat where they left off in the chat of asking me to supply the receipt from the hotel of XXXX. I gave them what the hotel supplied me and they refuse to settle the hold on my account because it does not have the last 4 of my card number on the XXXX receipt. Then also complained about the receipt legitimacy of the logo of the company. In which I feel accused of wrongly submitting a document that they refuse to verify with XXXX and ask for their own copy to determine legitimacy ; instead making me as their customer out to be wrongfully accused. The hotel also stated that they have no control over the receipts of the company supplies to its customers & they too have to abide by HIPAA compliance by not supplying generated receipts with sensitive information on them. Also Cash App advertises that 1 - 3 business days is the time where transactions is then returned. I have been told by a cash app representative of 14 days in which under the screen shots I have supplied it clearly states 1-3 days. Cash App is falsely advertising on their processing with their bank, no bank has ever asked me to provide receipts when I visually used their card to purchase, then after supplying the receipt its told its missing information/invalid when no one but XXXX company can decide what their receipt says/are the only ones that can validate their customers stay. Cash App stated they are refusing to settle my refund & stated they will take longer to process. This is unrightfully holding money of customers and should be investigated ; with poor service. Also advertising conflicting criteria to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : XXXX - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from Alpine Credit IncXXXX XXXX of Colorado to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and Alpine Credit Inc and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXX/Dept . of Ed, and the duplicate account for Alpine Credit Inc., we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX Colorado to XXXX removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are fraudulent account on my credit report that I did not file.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Identity stolen on XX/XX/XXXX Multiple at least 5 credit inquires to experian XXXX XXXX and XXXX Multiple cards attempted to be opened with the above XXXX XXXX successfully created a XXXX XXXX XXXXt XXXX  on XX/XX/XXXX, but I detected it and was able to cancel the account XXXX XXXX XXXX card attempt XX/XX/XXXX card attempt identified as fraudulent XXXX XXXX XXXX XXXX attempt XX/XX/XXXX identified as fraudulent US postal service on XX/XX/XXXX entity tried to forward my mail to a different address All credit union agencies notified accounts frozen and fraud alert placed The criminals created an experience account in my name ( providing their own email and address ) prior to XX/XX/XXXX and were able to unfreeze experian on XX/XX/XXXX until I reached experian and permanently froze the 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 2022-07-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI 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 : It also states a consumer reporting agency can not furnish a account without my written instructions I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI 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 : It also states a consumer reporting agency can not furnish a account without my written instructions I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports

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 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Thursday I transfer {$2000.00} through XXXX on my chase mobile app. Then the person never respond me after.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing a complaint about my Car Loan Company Ally Auto. I have made regular monthly payments and in the last month they have been deeply harassing me and trying to use bullying and intimidation tactics to get me to pay more payments without explaining why. When I logged onto to my account I could not see where I had missed a payment and I keep trying to tell them there is a technical issue and I am continuing to receive numerous calls text and emails me stating that I am two months behind which is not true. 

I made my XXXX XXXX XX/XX/22 and I Just made my XXXX XXXX XX/XX/22. I have made payments every month. 

When I called the customer service agent refused to hear a word I said and kept repeating herself and I also had a very hard time understanding her. What can I do to protect myself from this type of harassment?

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 2022-07-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, XXXX has never responded, Trasunion is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.

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 2022-07-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, XXXX has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and Experian has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.

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