vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
JCPenney Credit card account opened XX/XX/XXXX is owned by Synchrony Bank,, XXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. XXXX was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.

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 2022-09-30 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:
I checked my consumer report and I noticed inaccurate information on my consumer report I have notified Equifax to correct and remedy this situation be they are being negligent in their efforts to correct and remedy these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UMPQUA HOLDINGS CORPORATION
State: MA

Complaint narrative:
Regarding Umpqua Bank of XXXX, OR : Lender took on loan application knowing deadlines and conditions, then declined 8 weeks into the process, just 2.5 weeks ' shy of closing, providing superficial reasoning and zero opportunity for mitigation by borrower. I am now left with no alternate options to close in time, and will have a personal financial impact of $ XXXX due to their incompetence. Lender also refuses to acknowledge my multiple attempts to recover deposit sent, despite the decline taking place 5 business days ago. This is an unethical bank that does not have the consumer 's best interest in mind, and are a black mark on the state of Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have two problems with XXXX XXXXXXXX. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit XXXX credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front n back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY XXXX card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole XXXX XXXX  company a joke or are they trained correctly? I want this fixed!!!!!!!!

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 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
In 2020 my hours at work were cut due to COVID and with that I reached out to my mortgage company Amerisave to inquire on any programs they may have. They allowed me to enter a hardship assistance program where I would not have to pay my mortage with the understanding when things return to normal I could return with my payments. 

I have been working with Amerisave to attempt and enter a partial claim and or loan modification. There have been issues with both and I am currently behind approx {$30000.00} however I have been paying the regular monthly payments for about 9 months now. 

I was never advised of the specifics regards the partial claim and that it would be added to the end of the mortgage and essentially become a lein against the house in which I would have two ( original mortgage and now this partial claim ). 

I would like to re-modify the loan however they are not able to supply a payment that is at or below my current one so that has not worked out. 

I am not struggling where I cant pay off the estimated {$30000.00} that is owed and because of that it shows I am behind on my mortgage for that amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Not too long ago tried using electronic transfer with Santander and there was an issue. Multiple times. 
Went to withdraw funds from Santander in person. I went in and asked about charge for cerified checks and was advised it was free based upon account status. Upon returning to bank to get cerrified checks I was then informed there was a {$15.00} charge per check. As I was getting XXXX checks, I did not agree to those charges. I then asked to withdrawal money from account. I was advised I could not withdrawal the amount I wanted from account. 
So I then had to alter transaction again. These changes are occuring in real time because Santander keeps changing policy, as I am standing right in front of them. 
I then decided to do XXXX certified check, withdrawal the maximum amount the bank told me I was authorized to withdrawal on my account and had to leave remaining difference in account! ( Can't make this stuff up! ) Fast forward 1 month later. Today, XX/XX/22. 
Now I tried mobile check deposit and there is an issue. Continous error message! 
The larger concern is who is reviewing Santander banking processes and the complaints because they have either flagged their system to deny me of banking services based upon ethnicity and/or previous complaints or they are intentionally just not providing basic banking services to customers! 
Either way, this is not a good look and is extremely frustrating.

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 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I applied and was accepted for a {$29000.00} personal loan by XXXX by Goldman Sachs on XX/XX/2022, for which I had funds deposited directly to XXXX credit card accounts as well as my personal checking account as there was a requirement to send at least 70 % to credit card debt. I noticed on XX/XX/2022 that the {$14000.00} sent to XXXX XXXX had not been applied to my account. Upon further investigation, I realized that I input the incorrect account number ( the virtual card number for XXXX XXXX used to make purchases is not the actual credit card account number ). Once noticing my error, I contacted both Marcus Customer Service and XXXX XXXX Customer Service on XX/XX/2022. XXXX XXXX told me that since the funds were sent to a unique account number which is only used for purchases and is not assigned to another XXXX recipient account, it will most likely be returned to the originator. Marcus Customer Service let me know that it is too late to do anything and that my loan funds were already sent, offering no option to me or any knowledge whatsoever that the funds will be returned or the matter will be reviewed further. 

I will not be paying on a loan for partial funds which were not applied, and I am going through the avenues as soon as possible for documentation and tracing purposes. I sent a formal letter letting Marcus know of this issue dated XX/XX/2022, which I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Address XXXX XXXX XXXX is on my credit report and i never lived there ever. I may be dealing with fraud because accounts was open with these companies i know nothing about. List of companies or XXXX XXXX XXXX, Midland Credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 3 with XXXX XXXX XXXX  and XXXX XXXX XXXX. I have'nt open any acounts in XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
Contacted essex mortgage on XXXX and XXXX in regards to my ( HAF ) state provided mortgage payment assistance being applied to my account and all the representatives I've spoken to has advised me no funds were received so I've been in contact with Haf all throughout the month of XXXX and HAF has advised me everytime that the payment was sent on XXXX and is showing received by essex but its not being applied to account now I have accrued late fees and will have my credit impacted due to the payment not being applied my XXXX and XXXX payments were similar showing received on the XXXX of both months and not applied until the XXXX for both months so payments are definitely not being applied once received the last department I spoke with at essex mortgage was the loss mitigation department which the representative i spoke with at first handles the ( HAF ) state payments and was very unhelpful did no research to resolve or escalate problem just looked at the account and provided me with the same information I can see on my end No payment for the month of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OpenRoad Lending
State: CA

Complaint narrative:
I was trying to refinance my car. This company gave me 3 different ". I did not accept any of them. They then proceeded to send me an email which they labeled as documents to review, but when I opened it did it was auto sign documents for a alone. You could not review the documents. They tried to trick me into taking a loan with an undisclosed rate. I can only describe this as criminal attempted fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
Problem with a credit reporting company 's investigation into an existing problem I was a victim of fraud I told them to investigate and I showed them proof, they didnt fix nothing they sent me a letter to stall in order to buy time and nothing was changed

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 2022-09-30 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 and XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2022-09-30 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
No payments ever was late. SLS still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times SLS reported late pay as accurate. I need your help. My copies of cashiers checks and SLS 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to sls, and sls statement ) * XX/XX/XXXX- SLS approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by sls XX/XX/XXXX ) XX/XX/XXXX - SLS Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) After multiple request for modifications were denied sls asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by sls 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened this claim with CFPB XXXX, and the bank answered that they will reissue the provisional credit of XXXX for the claim n XXXX. But That provisional credit wasnt posted. 
Attached goes the answer letter

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 2022-09-30 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: GA

Complaint narrative:
I recently received a copy of my consumer credit report and I noticed some accounts on my consumer credit report that should not be there : XXXX XXXX XXXX XXXX XXXX EQUIFAX is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of con

sumer reports, THE LAW CLEARLY STATES that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give EQUIFAX written instructions to furnish these accounts on my consumer report. And by the way, no consent is Identity Theft!

And further, EQUIFAX is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party you have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EQUIFAX did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. EQUIFAX is in violation of several federal laws. 

And further, EQUIFAX is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : Financial Information... we are also provided with this information when acting as a service provider to financial institutions, in which cases our use of the data is regulated by the XXXX XXXX XXXX XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I obtained a leased vehicle through Hyundai Motor Finance ( XXXX  ) in XX/XX/XXXX and licensed the car in XXXXXXXX XXXX I moved to XXXX XXXX, XXXX in XX/XX/XXXX and re-plated the car in XXXX. In XX/XX/XXXX, I received a bill from Hyundai in the amount of {$760.00}, stating XXXX  had paid the property taxes on the vehicle based on an assessment from XXXXXXXX XXXX  for the period of XXXX to XXXX. I reimbursed Hyundai for the taxes on the car and filed a dispute of the bill on the basis that the car was plated and physically in XXXX XXXXXXXX XXXX during that time period. 

I provided documentation to Hyundai to that effect on five ( 5 ) separate occasions between XX/XX/XXXX and XX/XX/XXXX. I have never received any information from Hyundai about the status of the dispute nor have I been reimbursed for the tax payment. ( By the way, at one point in XX/XX/XXXX they threatened to repossess the car for non-payment because they had been applying my monthly lease payment to pay the tax bill instead of applying to my lease balance with no notice to me. ) I have since purchased ( and sold ) the car. 

Today, XX/XX/XXXX, I received a new invoice from Hyundai demanding payment in the amount of {$840.00} for taxes assessed by XXXXXXXX XXXX for the time period of XXXX to XXXX. I have contacted Hyundai and ( again ) have been told my only option is to fax or mail a dispute to the Property Tax Department. There is no phone number, no email address, and no escalation process. 

I have also attempted to resolve this with the XXXX XXXX Treasurer 's Office. However, only the owner of the car can inform the city of any change in location of the car. Since Hyundai owned the car, I did not have standing to inform them of the change. 

I'm requesting assistance in resolving this dispute since XXXX is unresponsive and has made no effort to contact me except to collect payment for a debt I do not owe.

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