vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Some time before XX/XX/XXXX, I had applied to Synchrony for a credit card ; however, Synchrony said that it could not identify me, and thus rejected the application. However, Synchrony did a hard credit pull, and refuses to remove it. If Synchrony is saying that there was a problem in identifying me, then it is against due process to consider that I was the one who had applied for credit, and thus the hard credit pull should be rescinded. Surely there is something in the Federal Code that requires a rectification.

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 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
My husband and I applied for a loan modification with the loan servicing company called Fay Servicing LLC. Our complaint is that mixed signals and unfair practices were used in denying our modification request. 

1. Time Is of the Essence Paragraph - Impossible timeline request because the letter was dated XX/XX/2022 and required a response by XX/XX/2022 in writing for us to accept their offer of a Deed-in-Lieu of Foreclosure. No consideration for postal delivery delays due to the pandemic and forcing us to make a rushed decision.

2. You have not made the last three scheduled payments - We weren't behind in payments. The request for a modification was made in hopes of avoiding being delinquent and having to file another Chapter XXXX Bankruptcy to save our home again. We did not miss a payment for almost 12 months until Fay Servicing posted our Mortgage payment to our wrong bank account, and they quickly started the process of foreclosure which we caught when we noticed that the money was still in our savings account. 

3. Your loan does not meet the delinquency requirements for this program as set by the owner/or insurer of your loan. Double talk because if we didn't meet the delinquency requirement then how can they deny us for not having the last three scheduled payments made as in Exhibit 1.

4. The valuation of the property does not meet the investor 's requirements Low balling the sale price of our home. They only did a Drive-By BPO of our house and valued our property " As-Is '' at {$200.00} and used homes smaller than our home, not in our area, and purchased by investors for Cash. Homes on my street are valued at {$300000.00} and why didn't they schedule an appointment to come inside to see what our house looks like?

5. Used Scare Tactics - Our monthly statement arrived with an amount that was almost three times our normal bill and when we called the representative, they said that the trustee closed our bankruptcy case. We called the trustee 's office to verify the information and were told by the accountant there's no indication that this has been done. 

6. Padded Monthly Billing Statement - Each month our statement always added up to more than what was due. Even if they were paid on the XXXX and we owed for two payments it was always larger because it included the Total Post Petition Fees and Charges added into the amount that we owed, and it was only supposed to go on the line item for the trustee to pay and not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I traded in 3 vehicles. a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All vehicles had extra modifications valued at over {$20000.00}. Dealership told me I would get good trade in value for vehicles and extras. Documents were signed but trade in value was not printed out on contract. I have 2 different contracts showing different vehicles and amounts neither of which were printed out at time of deal. XXXX  shows I had over {$17000.00} in equity on vehicles as well as {$20000.00} in upgrades. After one month I received the contract which showed not only that I was only given approximately {$5000.00} for ALL THREE vehicles. It also showed I paid {$84000.00} for a vehicle whose MSRP was {$62000.00} and window sticker showed {$77000.00}. I had agreed to the {$77000.00}, not the {$84000.00}. Also they added on without my knowledge extended warranty and tire protection to the tune of {$10000.00}. I did not agree to this. I was originally told my payment would be around {$900.00}. It is over {$1400.00}. 

I went to the dealer once I saw all of this and they only agreed to remove the extended warranty and tire care but with a caveat that I would not see this until the end of the loan. Unacceptable! I did not sign off on the trade ins, nor the extended warranties. There are different contracts with different vehicle amounts etc. 

My wife and I were completely taken advantage of. 

I have gone to the dealership and attempted to resolve this and was turned away. I have written to KIA on numerous occasions was given a case number but nobody has attempted to contact me after numerous attempts I have tried to contact them via social media with no response. They are completely ignoring me ( a repeat client ) and this situation,

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 2022-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCOUNT : XXXX XXXX XXXX. 



15 U.S.C. 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

THIS COMPANY NO LONGER OWN THIS DEBT BUT STILL IS REPORTING IT. THEY HAVE SENT IT TO MULTIPLE DEBT COLLECTORS WITHOUT MY CONSENT. 

I HAVE ASKED FOR PROOF OF EVERYONE WHO HAS OWNED THE DEBT THEY HAVE NO REPORTING INFORMATION.

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 2022-04-16 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account # has violated my rights. 


XXXX Account # XXXX MO US Dept ED Account # XXXX XXXX XXXX XXXX # XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 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 explanation
Consumer complaint received 2022-04-16 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: AR

Complaint narrative:
EXPERIAN has made a major negative impact on my life. EXPERIAN has caused me several hardship, mental anguish, XXXX, and even marital problems with my wife due to an assumption EXPERIAN made. They reported that XXXX XXXX # XXXX was late ( XX/XX/XXXX and XX/XX/XXXX ) and deleted positive payment history from XXXX and XXXX without first consulting with me, making the results of their initial investigation into the account impartial, unfair, and inaccurate. They also infringed upon my right to privacy by communicating about me with a third party and reporting only exactly what they communicated. With all of what I stated, they violated sections 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( b ), and many more.

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 2022-04-16 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: GA

Complaint narrative:
After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX and XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: IN

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


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX U

.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C. 1618 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 2022-04-16 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: IN

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


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX  XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 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 2022-04-16 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-16 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instruction
s. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and 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. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and 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 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 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Have filed the multiple dispute complaints with prepaid Bank of America EDD debit card due to fraudulent transactions all disputes have been denied every time

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 2022-04-16 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and 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. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and 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 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