vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Synchrony Bank chooses not to honor their agreement, I elect arbitration under good faith and they pay the fees. I demand that all payments are returned due to the factual concealment of this agreement and under federal law, I wasn't supposed to make payments. Federal laws supersede the contexts of this agreement and the State Laws of Utah. A copy of this complaint will be sent to Alabama AG and Utah AG.

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 2023-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I maintain a deposit relationship at Wells Fargo bank, and one of the products I use is their online bill pay service. Ive had problems in the past with my payments being delivered on time, but this problem has gotten worse over the last two months. Last month my auto payment was late and took over 15 days to deliver to the bank where the loan was held. This month both of my auto payments are now late again, with one being processed 21 days ago on the XXXX of XXXX and has still yet to arrive to the bank where my loan is held. This has cost me a total of three late charges now.

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 2023-01-18 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: TX

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 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 XXXX XXXXXXXX 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 2023-01-18 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: TX

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 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 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 2023-01-18 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
There's more to the story but this is the gist of it my ex-boyfriend has went into my cash app and changed all my cash-up information to his information and has logged me out of it log me out of my new cash app and has blackmail me to do this and I have proof showing that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Per Equifax XXXX and XXXX XXXX XXXX are reporting at least XXXX bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed jointly with someone else which this XXXX is inaccurate information per usc 1681 b permissible purposes which means I have a right to be notified when these credit reporting agency are putting information on your credit report all XXXX of these credit reporting agencies have never called or sent anything in writing per usc 1682a that I as the consumer have a right to fair and accurate credit reporting when I filed a dispute with XXXX they re verified information that the reported I am Also a victim from the data breachs in which XXXX and equifax and XXXX had which cause my soical to be leaked on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX : {$14000.00}

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023, Wednesday I received an email message from Amazon, secured my card, saying, Great job! You're now eligible to activate the Store Card features. I excepted the offer. I had problems with the link in the email to accept the offer for the upgrade Amazon Storecard. Synchrony Bank runs both cards. I had to contact them five times to finally got the right department staff. They said they needed me to verify my identity, so they gave me a website link to go on to verify my identity. I have been a customer of their Amazon-secured card for about two years, so I was a little confused. Still, they said this upgrade Amazon Storecard is a much better card, and I get my security deposit back from the secured Amazon card, and a new card will be mailed out to me, the Amazon Storecard. The link they gave sent me to a website to verify my identity with my ID. I kept trying to do it, but the system said my lighting was not good. So it wouldnt let me keep trying, and the representative from Synchrony Bank on the phone said I would get a letter in the mail in the next 7-10 days. The letter came, and they declined me because, unfortunately, based on the results, those checks they did could not verify my identity. I dont understand why you say that when I have been a good outstanding customer for about two years. I did had a credit alert on my credit reports with three major credit agencies to contact me if anyone apply for a new credit the same phone number with Amazon Synchrony Bank is the same number of my credit reports to contact me. I told the representative at Synchrony Bank is that the reason for all this security concerns.

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 2023-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood seems to be in a XXXX XXXX position. I say that from the way they conduct their business and treat their customers. It's obvious to see that the company is in trouble and the employees their can care less of their clients needs or lives for that matter. I've complied with all I was asked of. My account and funds has been restricted since before XXXX. Because of this along with all the other scam company 's ( XXXX ) out there stealing people 's money. I knew I didn't want to continue my relationship with Robinhood, And I mentioned as much. So when they deactivated my account. I was fine with it. But I've tried XXXX or XXXX different times to transfer my brokerage account to a Broker more qualified and less abusive, but they keep coming back as rejected. My new broker tells me to initiate the transfer again, after talking to Robinhood. My account was restricted. Now it's deactivated. So my business with this Greedy disaster of a company is done, Or so it should be. I dont understand how can a company get away with being so terrible to consumers and still expect to stay in business. Things have really changed in XXXX. I would like to transfer my account from Robinhood. Their name fits them well. And because of their data breach. I have been dealing with all sorts of unexplained negativity concerning my profile and assets. I don't want to be a victim of their possible bankruptcy ploy thT is ever so popular now aways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALAMEDA MORTGAGE CORPORATION
State: CA

Complaint narrative:
XXXX you and your team of attorneys and company executives agreed to cancel the loan only if I paid XXXX in escrow fees you claimed you had already paid out. 

Your words not mine. 

Please tell where you spent that XXXX you claimed you spent. 

My records show you never spent a dime to pay my ins or taxes. You left me without home ins for nearly 4 months. 

So where did you all ply the XXXX you said you spent??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: AR

Complaint narrative:
THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH XXXX and XXXXXXXX XXXX XXXXXXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX ) Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX Balance updated XX/XX/XXXX Is not valid this is my third attempt to XXXX to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. Transunion and XXXX both investigated and found these accounts to not be valid and they were removed. XXXX continues to not do there de diligence.

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 2023-01-18 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: AR

Complaint narrative:
THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN and XXXXXXXX XXXX XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX  XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX Is not valid this is my third attempt to EXPERIAN to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. XXXX and XXXX both investigated and found these accounts to not be valid and they were removed. Experian continues to not do there de diligence.

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 2023-01-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a Mortgage application with XXXX on XX/XX/XXXX and got pre-approval. I purchased the house with another lender in XX/XX/XXXX and didn't use XXXX. 

Now it's XX/XX/XXXX and my XXXX pre-approval expired. The agent from XXXX contacted me today ( XX/XX/XXXX ) and asked if I authorize them to pull my credit report in order to keep the pre-approval letter ( see attached ). 

However, before I got a chance to contact XXXX and cancel this cancel the pre-approval, XXXX pulled my credit report again in the afternoon of XXXX/XXXX/XXXX without my written approval. This action doesn't make sense as they don't have my consent to pull my credit again in 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 2023-01-18 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:
So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-01-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ha

s 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 2023-01-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Again after 3 years PHH is back to their games. 

I applied for a loan medication last year, I didnt sign or make the first payment because around the same time my identity was stolen. I am trying to repair what happened and working with lawyers. This is taking longer than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
This is a continuation of complaint # XXXX. The response from the prior servicer states that I was sent the modification documents but I never got them, which is why I kept calling asking for them to be sent. Each call I made, when I would make my payment, would typically end with me asking for the modification documents be sent to me. I am still waiting despite what the servicer says. I never signed for any documents, I never got any documents. I have only wanted to have this modification completed and with every payment have tried to get that to happen. I continue to do so. 

What this appears like to me is that the consumer ( me ) is being screwed here due to the terms of my modification. It makes zero sense that I would continue to call in asking for documents if I already had them. Additionally, at no time was I ever told " Oh, we sent those already ''. I just kept asking for them each month. 

I am begging that this modification be completed under the terms and conditions agreed to previously. I only want to keep my house so I have a place to live. I am currently in the process of moving back in as it is my only place to live. I beg the CFPB to help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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