vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Bank : Synchrony Bank ( Financier for XXXX Credit Card Account ) Issue : Closed account and refused to reinstate account despite being in good standing ( no missed or late payments ). 

Facts : 1. Card payment was due on the XXXX of each month. 

2. I attempted to make the XX/XX/XXXX payment early, once on XX/XX/XXXX, then again on XX/XX/XXXX. Days later, the online system showed the payments had been rejected. 

3. I successfully made a payment on XX/XX/XXXX. The payment was accepted and went through. 

4. I called Synchrony and my bank to find out what happened and why the payments were rejected even though I had sufficient funds in my account to cover the payment. Synchrony said my bank was at fault and they had rejected the payment. 

5. Synchrony closed my account in late XX/XX/XXXX, after my successful payment had gone through, citing two failed/rejected payment attempts.

6. I spoke with a synchrony representative and explained this was not my fault but a bank error and was informed that the account would be reinstated if I submitted a letter on my bank letter head, from the bank explicitly saying that it was a bank error and that I had sufficient funds on XX/XX/XXXX and XX/XX/XXXX when the payments were rejected. 

7. I obtained the letter from my bank as instructed and faxed it to synchrony at : XXXX. 

8. Synchrony confirmed receipt of the letter confirming that it was a bank error and on XX/XX/XXXX still refused to reinstate my account. 

9. On XX/XX/XXXX, I called synchrony to investigate why the account was not reinstated as they confirmed it would be in the conversation on XX/XX/XXXX. After they had received the letter on bank letter head confirming it was a bank error and was told the two previous Synchrony representatives Id spoken to, were wrong and they would not reinstate my account. 

10. The person I spoke to on XX/XX/XXXX that was now telling me something completely different was : XXXX - XXXX ID XXXX XXXX. 

11. I explained to XXXX the entire situation and he acknowledged that the letter had been received and they were still refusing to reinstate the account and that the two previous representatives gave [ me ] the wrong information. I expressed my concern about this being a 180 turn and stressed that they had proof that this was not my fault. 

12. The account had been in good standing with no missed or late payments, ever. 

13. Closure of the account and refusal to reinstate had negatively impacted my credit report, which now shows a derogatory account closed by lender. No late payments are showed because there were none.

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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
I always pay my monthly bill on online. XXXX I just happen to open my statement and the amount due is XXXX difference. XXXX and the phone system says my payment due on XX/XX/15 is XXXX ; however, my statement say I owe {$510.00}. When I called CarMax told me online doesn't show the amount due with the late fees. I told them that is misleading. 

Additionally, I have been paying a little more on my monthly payment. They told me if I don't make the payment XXXX  days prior to the next due date, the extra amount will not be applied to my late fees. I believe this is a UDAAP violation as I think I am paying my late fees with the extra money. Also, when I see my amount due online and it doesn't include an extra amount that is all I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is computation error or similar in the XXXX-year payment history. Showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NV

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-01-09 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: NV

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to make a cash deposit of {$340.00} at a Bank of America ATM in the XXXX XXXX neighborhood of XXXX XXXX. I was able to insert my debit card, put in my PIN number, select " make a deposit, '' and deposit the cash. I had {$340.00}, but two of the dollar bills I inserted were wrinkled, and I had those returned to me. After this, I waited for a long period of time with nothing happening, then my debit card was ejected. I did not receive any information from the ATM on how much cash I had just deposited, any information on the cash deposit being updated to my account, or a prompt to receive a receipt from the transaction. This was highly irregular from my previous experiences making cash deposits at this ATM.

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 2023-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
I've recently been getting calls without voicemail messages as well as a collection letter from Transworld Systems Inc ( TSI ) for a debt I supposedly owe to my former employer XXXX XXXX ( XXXX  ) from XXXX. 

When I first started receiving calls and collection letters in XXXX, at that time I opened a dispute with TSI with my former employer XXXX stating that I do not owe any money whatsoever to my former employer. 

I just learned from a TSI representative that my former employer XXXX " never responded to the dispute from XXXX '', but since my former employer XXXX sent TSI an updated bill, TSI has chosen to resume calling and sending a collection letter. 

It seems to me that if my former employer XXXX chooses not respond to a dispute from XXXX, then TSI should not resume calling and sending a collection letter until the original dispute has been resolved. 

I told a TSI team lead that I regard this sort of practice as " harassment '' and I was told by the team lead that this is TSI 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
Was mailed two garnishments with two different amounts stating that the garnishments were from my county local court offices. When I contacted my local court offices for a date to appear and to resolve the issue my local court stated that they did not have a date or any information for that case #. I also asked my local court why did I receive two garnishments with different amounts and the court representative informed me that the paper work I was speaking of did not come from the courts. I called the attorney that was on the paper work and I formed the attorney of what the court communicated to me that I am only legally obligated to pay what is on the garnishment paper work. Both garnishments had to different amounts and dates. The attorney then informed me to only pay the amount on the second garnishment for the lessor amount even though I received two garnishments on the same day for two different amounts and NOW is trying to collect more than what was on both garnishments stating that interest in incurred daily. I made a payment on XX/XX/XXXX and in less than 9-days there is over {$21.00} in additional interest. My local court office and the garnishment states that I am only suppose to pay the amount on the garnishment paperwork. Also payment receipts mailed to me by the attorney office is not accurate and I can confirm with banking records/documentation and the documentation of payments are not correct from the attorneys office and looks to be altered to favor there practice. 

For example I made a {$500.00} payment on XXXX before noon eastern time and my receipt says I made the payment on XXXX and the statement states the payment was received on XX/XX/XXXX and my bank statement paid the merchant on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: SC

Complaint narrative:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX  Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$1400.00} is wrong, and so is the past due amount of {$1400.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting act these following companies has violated my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I sent XXXXXXXX XXXX XXXX  an email on XXXX XX/XX/XXXX at XXXX PM MST in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.

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 2023-01-09 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used to have a Citibank Sears XXXX ending in XXXX which was lost in XXXX  and police report was filed. I haven't used the card since XXXX  and I don't owe anything to the citibank, still Citibank is harassing me and constantly sending me harassing letters from the collections agency XXXX XXXX XXXX XXXX 

Police report is attached and CFPB can see the police report. 

Recently XXXX XXXX XXXXXXXX XXXX did file a money XXXX  against me in the amount of {$6000.00}, when I didn't use the card then why should I pay for this XXXX. Citibank has ruined my credit and because of the judgment I can not apply for any loans or credit cards. 

Citibank is using unfair and fraud means to collect money from people, I will advice everyone not to use Citibank XXXX and do not do any business with this company. 
This is a total unethical company and shouldn't be doing any kind of business in California or any other state of 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is computation error or similar errors in the two-year payment history. It is showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX  % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I am being charged a lot more in interest than was agreed. Also that you are stating on my statements. I was told Ive been charged XXXX interest for XXXX  months on a XXXX purchase. And basically every other purchase had the same discrepancy. Even thought Ive been making XXXX payments every month. 
XXXX XXXX  should be XXXX initially, and then drop from there as my balance decreases. In fact using a credit card interest calculator, my total interest I would have had to have paid should be XXXX! Total! But they are telling me XXXX being charged XXXX in interest and still growing!!! 
This is only XXXX of my purchases, and they are all similarly being exorbitantly over charged!

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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I sent Gurstel Law Firm an email on XXXX XX/XX/XXXX at XXXX XXXX  XXXX  in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Monday, XX/XX/2023, I made a deposit of {$10000.00} into my Citibank account. I also activated a new debit card. When I attempted to purchase something online, my card was declined. I then received a fraud alert via text, asking me to call. I called, identified myself, verified that it was I who attempted the charges, but was then told my account would remain under review and be inaccessible to me for XXXX hours. No one at Citibank will tell me why. I XXXX or XXXX not hear from someone.

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