vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
The following is the chronology of events. 

Interested in opening a consumer checking account to take advantage of up to {$500.00} of account opening bonus depending on total of direct deposits. Promotion excludes consumers who " had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years. '' I had attempted to open a consumer checking account in XX/XX/XXXX which was never officially opened due to initial account opening 's ACH funding issue. 

XX/XX/XXXX : As account as never funded, spoke with XXXX of Promotion Dept to confirm qualification for bonus. XXXX confirmed that I qualified for the bonus as prior account was never opened since it was never funded. She was adamant that for an account to be officially opened, it needs to be funded with a completed signature card. 

XX/XX/XXXX : Opened Easy Checking account and funded initial {$25.00} deposit via debit card XX/XX/XXXX : {$25.00} initial funding posted XX/XX/XXXX : Met qualification for {$500.00} bonus via two direct deposits XX/XX/XXXX : Inquired with XXXX of Relationship Banking dept about the status of bonus XX/XX/XXXX : XXXX XXXX XXXX ) left voice message saying unqualified due to account opening XX/XX/XXXX. 

XX/XX/XXXX : Escalated to manager ( XXXX XXXX who claimed that Bank didn't have record of my of conversation with XXXX on XX/XX/XXXX. 

XX/XX/XXXX : Spoke with another representative who submitted another Customer Care Unit request with full explanation of the XXXX account opening and referenced the XXXX conversation with XXXX. Representative also disclosed that Bank 's written, internal policy is to pay bonus if promised. 

XX/XX/XXXX : Posted via XXXX 's @ XXXX asking for assistance on the matter. 

XX/XX/XXXX : XXXX ( Social Media Relationship ) reached out discuss the case. He indicated that he will look for recorded conversation of my call with XXXX on XXXX. 

XX/XX/XXXX : XXXX called to confirmed that Bank located the recorded call with XXXX on XXXX. He stated Bank will still not pay out earned bonus even after confirming that I was assured of bonus qualification prior to account opening. He said the agent has been coached. Told him that their written internal, written policy requires payout when a customer has been promised a bonus. 

In summary, this case revolves around the issues of lack of proper disclosure of what constitutes " open '' account and obligation to deliver on verified promises.

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 2022-05-28 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I contacted PHH Mortgage Servicing the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, PHH Mortgage placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to PHH Mortgage asking them to remove the inaccurate 30 day late payments from all 3 credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the Federal Register for publication the notice stated that the national emergency declared in Proclamation XXXX of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease 2019 ( COVID-19 ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
We refinanced our home and got extra cash to pay off all other debts. We continued to pay while the work was in progress. The last statement says we were to receive a check for the amount left in the account of {$580.00}. We did not receive the check and have called several times. They said they would send it but never did. 
This is the third of three accounts that did the same thing. The other two were XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: FL

Complaint narrative:
I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi This is XXXX XXXX. I am discussing about ongoing issue and complain to CFPB Complaint Number XXXX. I have not received any response or result of my previous complain from SYNCHRONY BANK, now they have discriminated me, I used to get PRE-QUALIFICATION from SYNCHRONY BANK and now they have stopped, e from other STORE sites. Every company has given me PRE-QUALIFICATION approved except SYNCHRONY BANK, nor they response me my current/existing complain. They removed me from PRE-QUALIFICATION. I am monitoring their discrimination carefully. Because I have complained about them, they do not like me, otherwise I have XXXX plus score on XXXX. They shouldn't have removed me from pre-qualification if there is any on-going complain. XXXX XXXX, XXXX, and others pre-qualification approvals including I got XXXX XXXX, and XXXX XXXX, including Balance of Transfers offers. XXXX did not like me.

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 2022-05-28 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: Colony Brands, Inc.
State: MA

Complaint narrative:
XXXX, XXXX # XXXX, ... date ; XX/XX/22 ( collection ) ... .in accordance with the fair credit reporting act XXXX XXXX has violated my rightt!, ..15 U.S.C.1618 section602A states that i have the right to privacy ... ..15 U.S.C.1618 section604A section2 also states that a consumer reporting agencycan NOTfurnish an account with out my consent and/or instruction and they've obtained niether!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... XXXXIN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... XXXX15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
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 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 mt 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 2022-05-28 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: NV

Complaint narrative:
In XXXX of 2020, I disputed the XXXX XXXX account and the XXXX account as incorrect and unverified. 

Experian responded both as " verified '' and correct, yet they are reporting these in multiple ways. They are reporting them as " closed Accounts '' as '' charge offs '' and also ALSO as " unsecured loans ''. 
They are also claiming there is a current balance on these charge offs. 

Additionally, they continue to " renew '' this debt, instead of keeping the original date. 


I sent the request via certified mail ( unfortunately i am in the middle of packing and cant find the certified mail receipt right now, but do have it )

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 2022-05-28 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: FL

Complaint narrative:
I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: FL

Complaint narrative:
I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: GA

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX  in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXX XXXX  placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXXXXXX XXXX placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

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 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 mt 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 2022-05-28 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: CA

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 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 mt written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX All these accounts above have violated my rights. 

15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

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

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation