vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: FL

Complaint narrative:
I signed up for a credit building loan of {$720.00} from Self Lender on XX/XX/2021. 
Due to being XXXX  with XXXX i missed the monthly payments of XXXX and XX/XX/2021. The payments were made 30 and 60 days late, resulting in my credit score dropping to XXXX. The loan has now been closed, and no money is owed to the lender. I have contacted Self Lender in regards to deleting the account off my credit report, so i have a chance at building up my credit again. They refuse to help me. From now on, i will have to struggle greatly with finding an apartment, or getting a new job within my line of work, for years because of circumstances out of my control. Therefore i ask you kindly to intervene in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I have sent Santander Consumer USA a letter disputing things on my transaction with them. They have taken my car im a single father with XXXX XXXX and has put extreme adversity my life in hardship. I am an XXXX XXXX for XXXX XXXX and work hard to keep peoples lights on an it has made it hard to get to work on a daily basis an i know they have violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: AL

Complaint narrative:
IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: AL

Complaint narrative:
IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS.

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XX/XX/2022 at XXXX XXXX  ET, I've received a email from Goldman Sachs stating I was denied for the GM card by Marcus due to not being able to verfiy my identity. I called Godman Sachs and the customer service representative wasn't able to help me verfiy my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " We're unable to verfiy your identity ''. 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for a investigation on my credit file I am a victim of identity theft and asked the credit bureau to place a extended fraud alert on my credit file along with my phone number before extending any credit in my name because my identity was stolen so I was asked by my counsel to file a complaint before moving forward. Thanks in advance

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 2022-04-30 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all 3 credit bureaus. 
The account is inaccurate as well as violating my rights as a 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 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has it for collection, the creditor did not answer my health provider questions, so i not responsible in this health provided does not answer my ins inquiry

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 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Through an online ad on the XXXX social media, I was taken to a website ( XXXX XXXX XXXX/ ) that looked legit. I purchased a dress for {$320.00} US dollars on XX/XX/XXXX, but what was delivered to me was completely different and of very poor quality. I notified the merchant immediately and asked for a full refund, but they refused even after I returned the dress to them. 
I have disputed the charge with my bank, Chime, on XX/XX/XXXX and provided supporting documents. Claim ID # XXXX was opened, but the bank closed it in favor of the merchant without providing reasonable explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On the credit card statement for XX/XX/2022 received for my CareCredit card ( issued by Synchrony Bank ) my new balance was {$4100.00}. This balance was made of two " Promotional '' balances. The first balance of {$2900.00} has an expiration date of XX/XX/2022. The remaining balance of {$1100.00} has an expiration date of XX/XX/2022. In order to avoid any deferred interest charges, the respective balances must be paid on or before the stated expiration date. 

On XX/XX/2022, I made a payment of {$2000.00}. On XX/XX/2022, I accessed my account on line in order to payoff the earlier promotional balance ( due XX/XX/2022 ) of {$2900.00}, assuming the balance would be {$980.00} ( {$2900.00} minus {$2000.00} payment ). The on line information. indicated the promotional balance for the XX/XX/2022 promotion was {$1100.00}, not {$980.00}. 

On XX/XX/2022, I also contacted Synchrony Bank to see what games they were playing with my account. The representative I spoke with ( ID # XXXX ) stated that sense my payment was not enough to payoff the XX/XX/2022 promotional balance of {$2900.00}, Synchrony 's system arbitrarily applied {$130.00} of my payment to the XX/XX/2022 promotional balance, leaving a balance of {$1100.00}. This in essence is increasing the previously stated promotional balance for the XX/XX/2022 promotion. I told her that this was an unethical and deceptive trade practice that could result in a cardholder to incur interest charges because of the change in a balance amount different from what the cardholder was previously told. She agreed that she would reapply my {$2000.00} payment in its entirety to the XX/XX/2022 promotional amount of {$2900.00} as reported to me on my XX/XX/2022 statement. However, she also stated that it would take XXXX billing cycles to complete. She also stated that my new balance for the XX/XX/2022 promotion was {$980.00}, which is what I expected. However, I'm concerned that I will be charged interest due to the length of time it will take Synchrony Bank to reapply my payment correctly. 
I never have been provided with any information on how payments are applied to promotional balances. Since my account is made of promotional balances, one would assume that all payments would be applied to the earliest promotional balance. It's apparent that Synchrony Bank 's system does not work in that manner. This can lead to a customer paying interest when they thought they had paid of a promotional balance within the designated payment period. I consider Synchrony Bank 's practice to be unethical and deceptive in nature.

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 2022-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX  Account 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 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 2022-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX Account 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 2022-04-30 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: CA

Complaint narrative:
N accordance with the fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I have told them about the excessive text messages multiple times a day and multiple days back to back. They finally said they would stop text communication and literally a day later I'm getting another text basically threatening if payment not paid will report late for XXXX it's not even 30 days late and yall shouldn't be texting me anymore. Its gotten to a point it feels like harassment and I expressed that to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number 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 2022-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX  Account number 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 2022-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I volunteered to send the vehicle back to capital, i was never served or notified from capital one that they were selling the vehicle. i asked on several occasions for proof notice for a year and i still have not gotten a reply. i also sent certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I lost my job back in XXXX after the birth of my son and tried to file with Navy Federal about involuntary job loss. They asked for proof which I provided to the best of my ability. They asked for government assistance proof but I didnt file for one since Ive been an XXXX  XXXX since XXXX. Navy federal and their third party XXXX XXXX  said that my assistance insurance ( which Ive been paying every time I make my payments since XXXX when I got the credit card ) has been denied because it only applies to people who are employed and not people like me who are self employed. So then I asked why I was not told that I dont qualify for it since the beginning since I wouldnt accept paying for a service I know well wont benefit me incase of unavoidable circumstances and also why Im not getting a full refund? They couldnt answer my question and make big deals out of nothing giving me an analogy about car insurance which didnt make sense at al. Since then when I call Navy federal, they send me to XXXX XXXX  and when I try talking about to XXXX XXXX, they send me to Navy federal and its immensely agitating. I want to add that I had to provide proof before getting the credit card that I was self employed that is an XXXX  XXXX and a 1099 which at that point they would have disclosed that I dont qualify hence avoid paying for insurance.

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 2022-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX Account 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 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