vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been dealing with payment issues with PayPal credit for almost two years. When account was opened I signed up for auto payments, as I do with all my credit cards. In the beginning it seemed to work, sometime in XXXX of XXXX payments were not made automatically, even though I still received emails every month telling me it would happen. The day after the due date, I would get an email telling me my payment was returned by the bank. This was an automatic debit, not a check, so nothing was returned. They closed my credit account. I sent a certified mail to them, which I never got a response to. They did seem to open my account again, not sure. The payment problem continued, same as above. I had been going to my account, via the internet and making payments to make up for the ones they did not take, of course these are mostly late, due to the emails saying the payment was received, then the email saying it wasn't. Also, the account information for payments is still on my account and this is the same info used for the payment, they claim they can't make. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally sent them another certified letter in XX/XX/XXXX, explaining again the problem. No response to the letter. When able I tried to get back into my account via the internet and my access was denied. I then attempted to use my PayPal app, access denied. I still am receiving the emails about the payment coming out, payment received and then the day after due date, payment returned. I have copies of the most recent to forward to you, as well as the certified letters I sent. Here are my issues - 1. The have charged me almost every month a {$40.00} late fee. 2. They may have charged me a returned check fee of {$27.00}, each month. 3. I have no access to my account, so I can not get past statements to know what they charged, 4. THEY HAVE DESTROYED MY CREDIT. As of this month I see that PayPal credit did not send me my usual e-mails, I did get an email from Synchrony Bank. After all this time dealing with PayPal and hearing of what they were or trying to do with companies, ( XXXX charge ) perhaps Synchrony is taking over? Not sure. I can't help to wonder if they are doing these things to people on purpose, for financial reasons.

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 2022-11-30 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My father passed away and left me the home. I kept paying the mortgage and everything was going well. I fell behind on the mortgage XXXX, XXXX. Since then, I have been attempting to get the loan into my name and the mortgage modified. I could not get anywhere with XXXX so I hired a law firm XX/XX/XXXX. Since then my law office has collected multiple documents from me. I have been told that I have sent in the wrong application 4 times. I have sent in 5 applications and many supporting documents. My review keeps getting closed out and my lender is not advising counsel of my attempts to bring the loan current and telling their counsel I am not trying to save the home. This time I called on XX/XX/XXXX and I was told I needed to send a profit and loss, tax returns and a letter of explanation. The profit and loss and letter of explanation were sent on XX/XX/XXXX, the taxes sent on XX/XX/XXXX. Today, XX/XX/XXXX I called to check loss mitigation status and I was told the review closed out yesterday. I inquired as to why and I was told the letter does not say and so she doesn't know. Also, today the lender 's attorney sent an email that states " I do not see our office or our client have received any documents to review the loan for Loss Mit '' This is completely false as I have been attempted to be reviewed for over 2 years. I am unable to get a single point of contact to make sure all documents are in. Every time my review gets closed out I speak to a supervisor who says they will fix it however this keeps happening. I am now at risk of paying out of pocket for mediation, which I do not trust will be successful. If the lender 's loss mitigation department would review mediation would not be necessary. I would really like the servicing of this loan to be investigated as I do not feel that I am being treated fairly. My loan is XXXX XXXX  and I know there are programs to help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an alert from my bank of a new account opened under my name with Bank of America on XX/XX/22 I contacted Bank of America to confirm an credit card account was opened. I have no knowledge of this account nor did I authorize a new credit card.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent activity was found on my credit agency Experian account. Someone had stolen my name and social security number. I found out months later and made disputes and filed a police report locally as that is what Experian told me to do. I also was told to mail all credit agencies a police report and identifying information through the mail to request a 7 years extended fraud alert, which made me uncomfortable as all my identity information was in one place in the mail. I did so as the online download did not work and they will not do it over the phone. I sent reports registered mail XX/XX/22 to Experian and other 2 credit agencies. I pay for a membership with Experian. Experian does not note on my account if the extended fraud alert was added. I can not see information on the state/duration of my freeze on my profile. Nor can I reach a living person of the phone or email to verify. I emailed help from my account, but they told me they could not help me and referred me to a National Consumer Assistance Center, not Experian. I then tried again to use Experian download online to submit all of my personal identity information and police reports and identity fraud report ( FTC ) again. The website will not accept even one pdf at a time. It does not work. I did tell a dispute representative this in early XXXX. I can not reach a person in fraud dept. regarding freezes or alerts and I get no response sending sensitive documents by mail. Fraudulent accounts and identity theft took place through fraudulent data placed on my file and shared with utility companies, collectors and banks/credit cards by way of inquiries without my consent.

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 2022-11-30 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2022 I sent XXXX XXXX XXXX a letter they requested in order to remove a hard inquiry they made on my credit. I initially disputed the hard inquiry in XX/XX/2022 when they sent me a letter stating they ran my credit. Application # XXXX. On XX/XX/2022 after not receiving any acknowledgement of my request I sent a certified letter disputing the hard inquiry, On XX/XX/2022 I finally received a response stating they would not remove the inquiry. On XX/XX/2022 I received another letter after filing a complaint with CFPB requesting documentation from the dealership stating the credit application was processed in error. Case # XXXX. I have submitted the letter from the dealership and they still have not removed the hard inquiry. Letter was submitted directly to XXXX XXXX XXXX the XXXX XXXX Management Office In regards to Capital One Auto FInance, Ref # XXXX, I have not received any acknowledgement they received the letter from the dealership nor have they removed the hard inquiry. 

The dealership letter was sent to both companies with their respective case numbers and neither have removed the hard inquiries. 

Also, I did request documentation showing my signature on supposed credit application and neither produced anything with my signature which violates my rights under the credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: OH

Complaint narrative:
I am writing today to express my deepest frustration. In XX/XX/2022, we were impacted by check fraud on our Key Bank checking account. A counterfeit check was deposited on XX/XX/2022 in the amount of {$9800.00}. The check image shows a washed check with my husband 's forged signature. None of the handwriting matches either of ours and the payee is no one we know. 

We immediately contacted our bank ( Key Bank ) to let them know the issue. This is when our problems really began. Key Bank stated they would handle the matter and return us our funds in a timely manner. To this day, we are still waiting for our funds to be returned. Key Bank also encouraged us not to close the impacted account even though our account number, names, and address was stolen. Key Bank ensured us that they would monitor the account for further fraud. Unsurprisingly, we experienced further fraud shortly thereafter. We then demanded closure of that account and money moved to a new account. 

It has been months of nearly daily phone calls to Key Bank as we attempt to have our stolen funds returned to us. We have gotten every excuse in the book from Key Bank and have gotten shuffled from person to person and department to department. This has been an incredibly stressful and disheartening process that has been impacting our day to day as the bank is holding our funds. One would think a bank would take better care of its elderly customers. It appears Key Bank has no regard for their loyal and elderly customers despite over 20 years of business. We have wasted hours of our time trying to get our questions answered and funds recovered. Not to mention the hours spent opening a new account and transferring all of our bills to auto pay with that new account. 

We have been told numerous times that someone would be contacting us to resolve the issue. Every time we wait for weeks and never hear back, despite our persistent phone calls and inquiries. My husband and I are healthcare professionals and do not have the time to spend fighting with the bank. This unwanted distraction has severely impacted our quality of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 U.S.C 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, 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 7 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 2022-11-30 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: NC

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 7 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 explanation
Consumer complaint received 2022-11-30 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: NY

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 a right to privacy.

16 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 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 confidentially under 15 USC 1681. 


XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX 1

5 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 2022-11-30 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: NY

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 confidentially under 15 USC 1681. 


XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX 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 2022-11-30 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: UT

Complaint narrative:
I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a XXXX XXXX adjustment to my XXXX XXXX loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the XXXX XXXX then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a Good Will adjustment to my XXXX discharged loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the Good Will then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation