vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank closed my account, stating I had late payments, to which I have not. On your credit report a late payment is a payment 30 days or more overdue. My statements will show I have NO late payments. 
Now they are trying to charge me a late fee of {$29.00} saying my payment was 2 days late. 
There is NOTHING in the disclosure stating anything about a late fee. 
I am tired of being harassed by this company, this is unfair practice and bullying You can see by the statements I have attached there has never been a late payment, they are doing this to justify closing my account for no reason. I will get a lawyer if this is not resolved!

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 2022-11-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 2022-11-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account DEPT OF EDXXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 2022-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX date is Wednesday, XXXX XXXX, 2022 -In the past days, Ive received emails from Discover, of which Ive been a long time card holder, in excellent standing, with a large credit limit, of which I now have a very low balance. 
-The emails are demanding I sign an XXXX  verification form XXXX, as to give Discover full access to my XXXX  transcripts. If I do not, they will close my account, of which will bring down my credit score as to the long term excellent history I have with them.

-Thinking this a scam, I called Discover to learn it was actually true. 
-Discover claims this verification info will be acquired by a XXXX party, that being XXXX XXXX 
-Upon receiving numerous emails from XXXX XXXX I called XXXX XXXX this @ XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX XXXX me that XXXX XXXX NOT communicate via email, but only by post office mail. 
XXXX XXXX me that this was a scam for their company does not do XXXX party verification such as this. He then went to his superior to confirm, of which the supervisor said the same. This all occurred this day, XX/XX/XXXX, to the above phone number at XXXX XXXX  central time. 
-I was told by XXXX XXXX call Discover and relay the information I was told, and to direct Discover to call the XXXX XXXX line at XXXX XXXX XXXX XXXX. 
- I first called Discover consumer service where I was told a supervisor would call in the next 3 business days. 
-I then called Discover XXXX at XXXX XXXX XXXX XXXX. I spoke with XXXX. Upon telling him the full story, he agreed to open an investigation and I would here from him in the next 4 weeks. He also gave me another number to reach him : XXXX XXXX XXXX XXXX. He said this was not a scam and was quite real. 

* I do not see it as normal business practice to ask my release to my XXXX  account. I did offer to XXXX a copy of this years tax return, redacted, to prove income. 
* I do not know why I am being targeted with a perfect record. 
* Should they close my account, my credit will be drastically affected due to the length of this good standing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, has violated my rights 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 explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : 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

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2022 I used the pay anyone feature service thats designed by chime. I authorized XXXX $ to go to a specific cell phone number which is my wife. That transaction was intercepted by an fraudulent chime account. That account should not have had my wife cell phone number on it. My wife been the owner of that cell phone for years. My wife have never had a chime. So why was her number linked to an chime account. I have provided numerous documents supporting my case. Since my wife cellphone number was associated with that account she got the chance to use the pay anyone feature the money went directly into the fraudulent account. I will love to provide details and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: RI

Complaint narrative:
letter dated XX/XX/XXXX from HALSTED FINANCIAL SERVICES. stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with HALSTED FINANCIAL SERVICES nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
They will not provide me with a release of lien, I've called on multiple occasions and they continue to tell me they will not give me the release of lien

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have to resubmit this claim because it was not properly closed by the company. I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly. 

Ive tried multiple times to contact the representative. The response I received had absolutely nothing to do with my complaint. My complaint was regarding a recorded phone call where I was told misinformation. I need Ally to listen to the phone call and honor the agreement that was made with me. The representative on the phone clearly stated that I do not have to make the payment within 10 days for the agreement to go into affect. He told me to try to make the payment within 10 days. I responded by saying, if I dont make the payment will my agreement still go into affect? The representative responded saying yes thats correct.

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 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX account CREDIT COLLECTION SERVICE, has violated my rights XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi Costco Visa card for several years. My family pays for our expenses with the Citi Costco card and we pay the full amount due on the due date which is the XXXX. day of each month. While I always check for charges on my card I had no reasons to check for late fees and interest charges because I pay in full on the due date. 
However it turns out they have been charging me for late fees and interest for several months now, when I called to inquire I was told that I make my full payment after the XXXX XXXX Standard time, therefore I get charged for late fees and interests. I live in XXXX, I make money, in XXXX, I spent money in XXXX  and I make payments in XXXX  but I if pay this account in full after XXXX in XXXX  XXXX I'm late and need to pay more. Citi bank has brunches in XXXX  and is not and online bank and must extend the courtesy to XXXX to pay their bills by XXXX  times but apparently that is not the case. I called and was able to get some refund for them but not the full amount which I feel like I'm entitled to. Below please see the dates and charges : XX/XX/XXXX, full payment was made but was recorded on XX/XX/XXXX, {$29.00} late fee and {$92.00} interest was charged on XX/XX/XXXX. 
On XX/XX/XXXX, full amount was paid, no XX/XX/XXXX, {$60.00} interest was charge, no late fee this time. 
On XX/XX/XXXX, full payment was made, on XX/XX/XXXX, {$110.00} interest was charged no pay fees. 
On XX/XX/XXXX, full payment was made and was recorded but XX/XX/XXXX, {$95.00} interested was charged. 
On XX/XX/XXXX, full payment was made, it was record on XX/XX/XXXX, and interest of {$110.00} was charged on XX/XX/XXXX with a late fee of {$40.00}. 
On XX/XX/XXXX, full payment was made but the interest charge for {$95.00} was charged on XX/XX/XXXX. 
So far in XXXX they have charged me {$69.00} for late fee and {$560.00} interest. 
I called and spoke to their customer service on XX/XX/XXXX and was able to get {$40.00} refund for late fee charged on XX/XX/XXXX and {$200.00} for interest charges. 
I'm making the complaint because I think I'm entitled to a full refund for late fee of {$29.00} and the remaining {$350.00} interest they charged. Please help.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please remove address XXXX XXXX XXXX XXXX NV XXXX. I am no longer reachable and dont live there and I dont want anyone opening important letters, bills and statements by someone and to prevent any identity theft and fraud activity. Please only put one address on my credit file and my name showing on my drivers license only. i attached copy of my drivers license.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today is XX/XX/2022. On Saturday, XX/XX/2022, I walked inside Regions bank and deposited a check from a settlement I received. The check amount was XXXX. I asked the bank teller specific details regarding the availability and processing of my check funds. The banker printed out a Notice of Hold form that indicated a hold would be placed on my check deposit because it exceeded {$5500.00}. Additionally, the form contained the exact dates and amounts of the check disbursement. The form indicated that on XX/XX/2022, a hold would be released from a portion of the funds in the amount of {$5300.00}. It also indicated that on XX/XX/2022, the hold on the remaining balance would expire. Based on this information, I set up bills/checks to be paid against the {$5300.00} that was supposed to be available today ( XX/XX/2022 ). 
This morning after checking my account I discovered that the {$5300.00} was not deposited as promised. I went to the bank to get a resolution. I spoke with the branch manager who inquired where the check came from. I answered his questions and showed legal documents regarding my settlement. He proceeded to inform me there was nothing else he could do to release the {$5300.00}. When I asked for the reason, he said he didnt know because it was being handled by the back office. When I asked him for the back-office contact information, he said he was the last chain of command I could speak to regarding the matter. I informed him that the misinformation I received regarding the time of disbursement was creating a stressful financial situation for me. He callously showed no regard for my concerns. There was no accountability for why I was given incorrect information about the date my funds would be made available. There was zero explanation as to why my {$5300.00} is not being released in accordance with the Notice of Hold form. I have been a loyal customer to regions bank for over five years. I have never had issues with check bouncing or anything like that. I feel I am being mistreated with unfair and unsavory banking practices. I am considering switching banks after this catastrophe.

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 2022-11-16 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 Account # 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.

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 2022-11-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-11-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See attached. Equifax is deliberately enabling Identity Fraud. It is required to remove and block items on my credit report within 4 days once it has notice of identity theft with an FTC report and it has failed to remove the items. I am once again attaching the ID Theft Report as evidence for any future proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Uplift, Inc
State: NV

Complaint narrative:
I found account on my XXXX credit report that was opened around XXXX months ago. That do not belong to me. Account belong to UpLift llc. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted XXXX to remove this account from my credit report.

Company response to consumer: Closed with explanation