vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
I have had the account in question for years. My credit limit has gone up and I have made payments always ahead of time and always for more then the amount due. After years with Paypal credit card run by Synchrony Bank  on XX/XX/XXXX they closed my account. I had over {$3700.00} dollars in reward money that I had been accruing since I first opened the card. When I contacted the company they said there is no answer as to why my account was closed. I asked for it to be reopened and was denied. I then asked for my money to be sent to me and they said no. This was XXXX percent their way of not having to pay me. Kept saying to me that a letter was sent and when I got letter it made no sense.

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 2022-05-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

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 2022-05-31 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: SC

Complaint narrative:
The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name XXXX XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Experian Account Name XXXX XXXX XXXX # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account XXXX : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX XXXX XXXX Experian XXXX XXXX XXXX Agency XXXX XXXX and Experian XXXX XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX  : XXXX Bankruptcy XXXX XXXX XXXX CT SC XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : Experian Name and Address are inaccurate : Also Known As : XXXX, VOID, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 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 non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
I was selling an item in a private XXXX group. I had an interested buyer who called me via XXXX XXXX. We were making the transaction through XXXX. The gentleman sent a screen shot of the payment he claimed to make. I didn't receive the payment to my XXXX account. I then received an email from what appeared to be XXXX. It was very authentic. It stated the gentleman needed to deposit more money because he had a business account and that I needed to update my account. Another email followed stating I needed to deposit {$300.00} in order for the {$250.00} would be released to me. It all seemed strange because I'd used XXXX many times but again, the emails looked extremely authentic. The entire time the gentleman was on the phone with me. He sent another screen shot of an amount he claimed he was told deposit. I did deposit the {$300.00} and received an email from XXXX stating it had been received however, I still had not received the money I was owed. A fee minutes later another email comes through stating that I needed to deposit more money at this point I knew something wasn't right. I told the gentleman I would call my bank to figure this out. I hung up on the gentleman and I called my bank and I was told I had been scammed. We tried to reverse the payment but couldn't. My bank then connected me to the fraud department. I told them what happened and that I had all emails and messages from the gentleman. The entire time he kept trying to call me and and has still sends messages. I received a letter today from my bank stating that there was nothing they could do and that my case had been resolved. I called my bank for answers. I was told because it was authorized even though it was a scam l, they were not responsible. I told them that XXXX is used through the bank and the scammed clearly have some knowledge of XXXX and have pretty authentic emails that appear to come from XXXX. The Customer Service representative told me I should be thankful that it was ONLY {$300.00} when other customers have lost thousands!

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 2022-05-31 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Today I received a credit alert saying a negative account jas been placed on my credit reports by CREDIT CONTROL SERVICE. I have received a validation showing anywhere that I owe this company money nor a contract showing I owe anything to this company. Yet they have placed a collection account on my credit which has negatively affected my credit scores. I do not know who this company is and they are in violation of my consumer rights as well as causing harm to my credit standing and good name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
I have been unable to access my grain technology account for about 6 weeks or so. 
grain technology is a digital credit card that works with your current bank account. 

the issue started on XX/XX/XXXX after calling and not being able to get in touch with anyone. 
I sent my first e-mail on XX/XX/XXXX to grain support I've attempted to call several times to speak to someone about me being locked out of my grain account. I've left messages detailing the urgency of someone getting back to me. 

I've emailed periodically detailing that I am in the process of buying a house and wanted to pay my bill in full fearing that my credit utilization would get too high and hurt my credit score. all I keep getting is an automated email saying someone will contact me in 2 days and grain never does. 

still not have been able to speak to someone from grain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 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 2022-05-31 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 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 2022-05-31 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: Grain Technology, Inc.
State: FL

Complaint narrative:
I tried paying off my Grain account on my app, the only way to make payments and withdraws, back in XX/XX/XXXX. I made a large payment on XX/XX/XXXX to pay off this account. I submitted the payment with the option " pay full balance. '' On XX/XX/XXXX, Grain took an auto-debit payment of {$1.00} from my bank account to make its regular payment. I saw the email and logged into my app to see I somehow have a balance of {$48.00}. I am not sure why as I made the " full balance payment '' on XX/XX/XXXX. I went ahead and decided just to pay the {$48.00} to have this account paid-in-full. I went into the payment screen on the app and hit the plus button that says " make a payment. '' Once I selected that, it showed a " Full balance '' of {$0.00} but a " Past due balance '' of {$18.00}. Now I see I was charged another {$1.00} in late fees. Not understanding why because I originally paid the entire balance in full on XX/XX/XXXX and the account is on auto-debit, so even if there was a balance it should've been automatically paid. Not willing to fight this, I tried making the payment anyway just to get it out of the way. When I went to make the payment, it wouldn't allow me because it still showed my " full balance '' of {$0.00}, so it would not let me pay on a {$0.00} balance account, but right under it shows " past due balance '' of {$18.00}, and under that shows " total balance '' of {$48.00}. But, it wouldn't let me pay the balance. I get an email XX/XX/XXXX saying " A bank transfer of {$1.00} from your XXXX XXXX XXXX CHECKING account to your Grain credit account has been initiated on XX/XX/XXXX, '' which is the email I get whenever Grain takes an auto-debit out of my account. How? My " full balance '' shows {$0.00} and I can not even pay anything on it. Then I log back into my account on XX/XX/XXXX and see interest of {$0.00} was charged and another {$1.00} in late fees because of a now {$16.00} past due balance. All I am trying to do is get this account paid in full. I contacted Grain 2 times over the past few weeks via their online contact us form inquiry and there has yet to be a response. There is no phone number to call to talk to customer service or no emails listed, only the online form inquiry. I am worried that eventually it will hit my credit report as being 30 or 60 days late when I have 0 control over it. In addition, my credit report shows my Grain account has a {$1.00} balance. Which is true? Do I actually owe {$48.00} or do I owe {$1.00}? Why do I have a past-due balance but I am on auto-debit and I can not make a regular payment myself?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The information stated the card provides a {$100.00} credit towards the XXXX XXXX application. I called to get the reimbursement and they are telling me my card does not offer that even though everything I saw stated it does. I asked to have this rectified and be reimbursed for the {$100.00} application and they are still not doing so. I asked to file a complaint and have someone follow up with me and was told they would not. Please provide the {$100.00} fee reimbursement to address this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood is keeping my XXXX benefits XXXX saying their doing an investigation because of reversals that was done by my ( persona ) bank, they claim they are doing an investigation but for a month? & then at that its my account & I cant use my own money, Im getting unemployment benefits due a reason how am I supposed to eat or make a living? I use Robinhood to trade as well please help .i sent the company all documentation needed & everytime i emailed they said theyll let me kno when its done being reviewed! What takes a month plus more to review I have XXXX in my Robinhood Spend account that I recieved from unemployment XX/XX/2022 & since that day Robinhood never gave me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've contact XXXX XXXX  Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted XXXX and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact XXXX. I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called XXXX again. They still have not updated the balance on my credit report. The amount settled was XXXX. XXXX settled for a lesser amount and sent me a 1099 for XXXX. When I spoke with XXXX, they were aware the account was paid. 

Experian updated my credit report and claimed XXXX was written off. I made XXXX in payments on a balance of XXXX. Experian updated my account to reflect paid in settlement : XXXX written off. The amount written off after payment would have been 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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from TSI ref # XXXX as well as XXXX XXXX XXXX ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: SC

Complaint narrative:
The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Transunion Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : XXXX Account # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account XXXX : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX Transunion XXXX XXXX XXXX XXXX XXXX Agency XXXX Transunion and XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX : XXXX Bankruptcy XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX  Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : XXXX Name and Address are inaccurate : Also Known As : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 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 non-monetary relief