vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Bank 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 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 2022-06-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Bank 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express lied to me in this booking. I booked this package under the impression that I would receive Platinum Card perks at the XXXX XXXX in XXXX XXXX. I was completely humiliated and embarrassed when I arrived to the XXXX XXXX to first be told that I didn't book this reservation via AMEX but XXXX to second be told that they didn't ' have any AMEX card on file and that they didn't see any AMEX Platinum Card benefits associated with my reservation. I was completely dumbfounded by this error. AMEX completely embarrassed me and caused me to book a reservation unnecessarily with the benefits prominently advertised with the Platinum for staying at hotels under the Hotel Collection. After back and forth, and little option of staying somewhere else, I had to succumb and stay at the XXXX with no perks. 

AMEX robbed me of a decent stay and an enjoyable experience. I felt as though I lost $ XXXX in savings by staying at the XXXX  with no perks when I could have stayed at a XXXX  Property under my Elite Status. As a result, I want AMEX to make me whole by this glitch and false advertisement. I called about this matter and after being run in circles with AMEX customer service, I was finally told a wild response that the perk was not eligible for bundle deals. HOWEVER, this caveat is not prominently disclosed anywhere on the website, on the payment page or XXXX XXXX XXXX  associated with purchasing the package. Nowhere is this prominently displayed as much as the Perks associated with the Platinum Card for staying in the Fine Resorts or Hotel Collection. 

It is egregious that I waited and anticipated this trip after planning and waiting XXXX months for this chaos and embarrassment to ensure. What's worse is the lack of access to AMEX customer service and a customer service agent with the wherewithal to assist me after being passed around from agent to agent for XXXX minutes while being stranded in another city. This is unprofessional and ridiculous. Most importantly, this is false advertisement and as a result I have been financially harmed by your misrepresentation and false advertisement of the facts, per FTC and UDAAP regulation. 

In short, make me whole from this fiasco!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TN

Complaint narrative:
I currently have loans that are about to go into default through Sallie Mae, and of course this is not what I wanted. I have called several times to explain my financial situation, and I seem to be getting a deaf ear. I currently get paid {$19.00} an hour and work XXXX hours a week for an XXXX clinic. I am doing this to gain the hours need to so that I can gain access to the job I went to school for. After explaining my situation multiple times I am told the only plan is to pay XXXX XXXX monthly. Between my rent, car insurance, groceries, gas, phone/internet, electricity, and paying off credit cards this payment is impossible. I am not in a position where I am trying to not pay. I am willing to work with the department but it feels as though they are not willing to work with me. I plan to pay off these loans. I want to pay off these loans. I took them out when I was XXXX in college because there was no other option available to me. Now I'm in a position where I'm trying to advance in life so that these payments can be made but at the moment it just isn't possible. I am asking if someone will consider where I am, and give me the opportunity to pay what I can to do better. It has been quite difficult dealing with this over the past few months, being put on hold for hours, getting disconnected, and being talked down to while also being threatened to have my wages garnished. I told the people I spoke to I am able to pay $ XXXX {$100.00} a month and I was scoffed at. I am doing the best that I can to make ends meet, and I know that I am not the only person experiecing this.

Please Sir or Ma'am Reconsider your current protocols and procedures in efforts to help those like myself who you were so willing to help when there was hope of a prosperous future when I took out this loan, and now facing my reality that it is almost impossible to get a descent paying job and to be able to make ends meet. I know it's your job to do what you have to do to ensure that these loans are paid back, but when it is obvious that my monthly student loan payments cost more than my rent then this should be a problem for you. Put yourself in my shoes. What if I were your son? Would it matter then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
The New York Community Bank have stated my due dates were the XXXX of every month. Due to my daughter being ill I spoke with them having finacial problems yet they did not waive any of the fees. Though during these hardships, I have even accepted the late fees during the covid times and paid it off. I was late XXXX month ( the month of XXXX ) and proceeded the payment on XX/XX/XXXX and from XX/XX/2022 I recieved a notification from XXXX saying my credit got deducted XXXX points. 
I called the customer service of New York Community Bank on XX/XX/2022 from XXXX to XXXX and they hung up on me twice. Once for no reason and second, saying the credit services were closed and could not do anything to help. We asked when they would call us and if they could call us tomorrow and the representative stated that they could not guarantee us a call back tomorrow or within this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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, XXXX, XXXX, and Equifax has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

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

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXXXXXX XXXX XXXX XXXX in amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Due to loss of income I was on a forbearance plan for around 6 months with my mordgage company witch was community loan servicing, I then was offered a XXXX  XXXX covid flex modification witch I excepted and made 3 trial payments The payments were for XXXX, XXXX and XX/XX/2022 I received a letter from community loan servicing, thanking me for making my final trial period payment, and that they are working on sending my final documents to complete the permanent modification Around XX/XX/2022 my loan is sold to selene financing. I call selene and to this day they do not see any modification in there system They are not allowing me to make any payments as well as there showing 10 months past do I keep on getting the run around from. Selene. I requested a call back to speak to a supervisor 1 week ago and still have not heard back from selene I'm not sure how a loan can be sold in middle of a modification and how a XXXX  XXXX loan can be sold to a non XXXX XXXX company, I'm actually not sure if that is legal, I was always told that when my loan is sold its a change of services but its the same XXXX XXXXXXXX loan Please look into this asap as I made my trial payments and the modification needs to be honored Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have checked all three of the credit reporting agencies and Diversified Adjustment has sent and alleged Debit to the agencies in the amount of {$590.00}. I did not receive any documentation advising me of the alleged debit. I also have a pending case regarding XXXX that I have filed with the CFPB that is still being reviewed. According to the CFPB my rights have been violated because I was not provided with a electronic of mailed validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 the following companies violated my rights XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.

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 2022-06-15 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 the following companies violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: TX

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 rights 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 2022-06-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint with CFPB against Synchrony Bank/Ashley Furniture . Synchrony called on XX/XX/XXXX to confirm receipt of the complaint. In the company response to the CFPB on XX/XX/XXXX, the response had attachments, and it shows the item signed for " XXXX '' on XX/XX/XXXX at XXXX. In none of the documents attached nor submitted, is there anyone in my household by that name. " XXXX '' is not my first nor last name. The vendor delivered to the incorrect resident. 

I called XXXX Customer Service on XX/XX/XXXX on a recorded line and they stated that during " that time '' ( meaning XX/XX/XXXX ) still did no-contact and sometimes the driver would sign for the items. I have initiated a complaint with XXXX  for allowing someone other than me to ever sign for a package that REQUIRED a DIRECT SIGNATURE. Per the XXXX representative, the Shipper listed as XXXX XXXX on an attached document on the company response, needs to initiate a claim to get a reimbursement so that I can have my credit reported accurately. 

This could've been resolved, or initiated sooner, but I was not provided a XXXX  tracking number in XX/XX/XXXX when I requested proof of delivery both in person and over the phone with Ashley 's Furniture and their Guest Response team. Additionally, Synchrony Bank/Ashley Furniture is still attempting to hold me responsible for an item I never received after viewing for themselves that the person that signed for the item is NOT the person whose name is listed as the recipient. Me. I did not receive any items nor did I sign for any items. Synchrony Bank/Ashley Furniture is continuing to falsely report on my credit under the remarks that the account is within FCRA. It is not. An improper investigation was conducted and reported to the CFPB by Synchrony Bank/Ashley Furniture .

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 2022-06-15 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in 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
Consumer complaint received 2022-06-15 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
Pursuant to the FCRA, the following accounts listed below are in violation of my rights. 

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 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 and I'm invoking that right. 15 U.S.C 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Since I know instructions were not given then this is now considered fraud. I am requesting the deletion of all accounts listed above.

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 2022-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capital one auto is currently reporting a deficiency balance of {$8500.00} on my credit report as a result of a repossession on XX/XX/XXXX. i never received a letter in the mail regarding where the car would be auctioned, which is a violation of F.S 537.012. per florida statue 537.012 ( 3 ) Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i never received this notice. i have been disputing this account for a couple of years now. i recently contacted capital one auto XX/XX/XXXX @ XXXX am and i spoke with a representative by the name of XXXX XXXX ; she reassured me that capital one had sent several notices out and that she'd be mailing them out to me via usps. today is XX/XX/XXXX and i have yet to receive any proof from capital one that the proper notices were sent to me in a timely fashion permitted by florida law where the car was repossessed. in addition there is also a discrepancy with the actual accounting for the remaining balance ; i asked ms. XXXX who the gap insurance provider was and upon looking in the system she wasn't able to give me a straight forward answer. if you can not verify who the gap insurance was provided by how can you calculate a final refund into the final accounting?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
I sent a method of verification letter to Experian on XX/XX/22 for a collection account that has been on my credit report and is inaccurate. I requested they verify how this collection is mine. The collection is showing under a company called : XXXX XXXX XXXX XXXXXXXX The claim they were able to verify this account as accurate, but that is false. I also sent Experian a dispute letter on XX/XX/22 for the same company that is showing on my credit report. I have included those letters with my complaint. 

In addition, I am including a copy of my most recent XXXX report that is dated XX/XX/22. You will see no collection is reported, and no collection account has ever been reported.

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 2022-06-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Us dept of EDU/XXXX XXXX XXXX  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

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

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT 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