vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has frozen our accounts as of XX/XX/XXXX without providing a reason and we are unable to access our funds to pay bills. Social security income direct deposits for XXXX and soon XXXX will be in that checking account. 
After numerous calls, we were just informed by an " expert advocate '' of USAA ( XX/XX/XXXX ) that we won't be able to get funds for 60 days and there is NO ONE that can change that at USAA. She could NOT provide a reason she said as to why the bank made this decison. 
So, my husband has changed his social security income deposit after opening a new account at a local bank but it will not be effective until XXXX per social security. 
We also have a credit card with USAA which we obviously can't access or make payments. I asked the USAA person ( XXXX ) if we will be charged a late fee if we can't get to our funds to pay them and interest will be accumulating- she has no answer. So they not only have our money but are making additional interest at our expense. This is so wrong and horrible way to treat a consumer much less a XXXX  that they supposedly " support ''. How do they get away with this? How does a person pay their bills when a bank doesn't allow access to a person 's funds? XXXX XXXX USAA, you should be ashamed of your tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist bank my mortgage company who also holds my escrow funds. They have not paid my property taxes for the year. My taxes are late and I have penalties of over a XXXXXXXX XXXX because if theyre neglect. I went to bank in XXXX to talk to bank manager they told me to talk to settlement company which was incorrect. I talk to XXXX XXXX tax collector, he stated the tax bill was sent electronically to Truist bank and they are responsible for the late payments and property taxes being unpaid. I call Truist bank on XX/XX/XXXX and XX/XX/2022. They told me my they received tax bill and dont know why they were not paid. They said they will do a 15 day investigation. My taxes are unpaid and late fees are piling up.

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 2022-12-06 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act and XXXX  accounts number account # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06 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: NC

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act and XXXX  accounts number account # : XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX have all violated my rights XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, they are 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 2022-12-06 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: OK

Complaint narrative:
Equifax is refusing to block inaccurate accounts on my consumer report, I attached the identity theft report along with the letter I gave received from Equifax stating they are NOT going to block any accounts instead will reach out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I want my information deleted with this company which I requested for them to it deleted my information with them and their service providers and third-party affiliates. 

Today a young lady by the name of XXXX at the company told me that her supervisor told her that all they can do for me was to put a cease and desist on my account because I said that it is my right that I dont want to be contacted by phone or any other method but she said that there was nothing else that they could do for me far as deleting my information but on their website it clearly states that you can request to have your information to be deleted And thats what I did on their website I requested for my information to be deleted and I screenshot the proof thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX continues to report to credit bureau XXXX XXXX. 
The name under which this account contract was with is not the correct name. 
Also to report me as delinquent for all these years and then send me a annual valued cardholder letter is business fraud. This is harassment and evidence that reporting activity is in violation of FCRA standards.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD has been reporting on my credit report. This is past the statute and charges are incorrect as well as name on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  Credit Card closed one of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over 14 years of credit history, NEVER late on any payments, no NSFs.Maintained perfect XXXX cs for 14 year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my XXXX XXXX dropped by XXXX points due to that. XXXX points because XXXX bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX XXXX XXXX as this is unfair. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account from forever21 was oped as fraud in my name and the company has done nothing, I asked for information im told otherwise. this account has been on my report for a very long time and ive gotten so much hassle to remove when I didn't open the account in the first place. which has hurt my credit very badly. which is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank offered a tiered bonus promotion with the deadline to open a new checking account by XX/XX/22. Please see uploaded files for terms and conditions of the promotion. Please note the date and time of promotion detail files. 

Timeline of my experience : XX/XX/22 Applied and Opened new Checking Account XX/XX/22 Deposit a check for over {$15000.00} in branch to satisfy deposit requirement XX/XX/22 Balance was maintained to meet the following requirement : " Maintain the required Minimum Balance** in your eligible account ( XXXX ) for an additional XXXX days from the XXXX day after account opening. '' According to the terms of the promotion, the {$400.00} bonus should have credited to my account at the latest by XX/XX/22. 

XX/XX/22 Contacted Citibank by phone ( XXXX ) to initiate a dispute Reference # XXXX. Rep mentioned that the investigation may take up to XXXX business days. 

XX/XX/22 Called for an update when not correspondence was received. Rep communicated that the investigation is still in process and could not say how long it will take. 

XX/XX/22 Called for an update and was asked to wait another week. 

XX/XX/22 Received a secure message letter - copy of letter uploaded as part of this complaint. Although not part of the terms and conditions of the promotion, the letter requested additional information. 

XX/XX/22 Received another secure message that the dispute was resolved. Simultaneously, the original XX/XX/22 message was deleted and replaced with the same brief message as the XX/XX/22 secure message stating that the dispute is resolved. 

I was not even given XXXX hours to contact Citibank and provide the requested information. Please see uploads of messages from Citibank as well as proof of my eligibility.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXX : I used my Apple Card ( Goldman Sachs - XXXX XXXX XXXX XXXX XXXX purchases via the XXXX XXXX. My credit limit was {$1500.00}. My purchase was + {$1800.00}. 

Much to my surprise. XXXX approved the entire purchase. I attributed it to good standing - credit history/score, whatever algorithm the company implores as part of their transactional workflow. 

I was never prompted that the purchase exceeds the limit. I was never prompted nor given the option to pay the difference using an alternative payment method. I was given XXXX indication that this could potentially be a derogatory transaction - or reported as such in the days to come. 

XXXX : I received an alert from XXXX monitoring services indicating there had been a change to my XXXX XXXX. When I checked, my XXXX XXXX had fallen over XXXX points. XXXX POINTS! I have worked diligently and tirelessly over the past XXXX  years to repair my credit. For the first time in a long time I was above XXXX and trending higher. This was devastating, and appalling. XXXXXXXXXXXX  reported the balance- as over limit. Again, they approved the purchase, provided NO OPTIONS, and then reported it. How is this acceptable?!? 

XXXX / XXXX : I immediately contacted Apple Card customer support. I tried to ask if they could increase my limit to cover the difference, or what my options were. They said they couldn't really do anything - and that I could possibly file for another increase- which I did and was denied - or I could contact XXXX, because they don't deal with anything more than transactions. 

I have not contacted XXXX directly. With transparency - I don't think I could hold my composure and it wouldn't be fair to the customer service rep. 

XXXX : I paid the entire balance. 

XXXX XXXX is still showing and counting against my limit the installments that were supposed to be made. Like a revolving balance - even though the entire balance was paid. 

Apotheosis of deliberate, predatory credit lending and practices. 

Sincerely, XXXX points less due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
They have failed to pay our insurance premium that they are collecting escrow for. I have been trying to get them to pay it since XX/XX/XXXX. The insurance premium was due XX/XX/XXXX. I was contacted by my insurance agent for non payment on XX/XX/XXXX. 
XX/XX/XXXX spoke to and emailed insurance invoice and XXXX XXXX XXXX XXXXXXXX. She advised it will be paid. 
XX/XX/XXXX advised by my insurance agent that my policy had been cancelled for non payment on XX/XX/XXXX. I have had no insurance on my property from XX/XX/XXXX to XX/XX/XXXX due to their negligence. I had to pay out of my own pocket to reinstate my policy. 
XX/XX/XXXX spoke to and emailed XXXX ( XXXX ) at Fay Servicing. He advised he would email insurance dept and they will overnight payment to insurance company. 
XX/XX/XXXX spoke to XXXX at Fay Servicing. She emailed insurance dept to find out why it's not paid. 
XX/XX/XXXX spoke to XXXX at Fay Servicing again. Payment is being overnighted, XX/XX/XXXX spoke to XXXX XXXX at Fay Servicing. He says the insurance dept said the address is wrong on the insurance policy but he can clearly see that it's the correct address. He is advising insurance dept of their mistake and telling them to pay. 
XX/XX/XXXX emailed XXXX and XXXX for status. never received a response XX/XX/XXXX emailed XXXX and XXXX for status. never received a response XX/XX/XXXX emailed XXXX and XXXX for status. never received a response XX/XX/XXXX as per XXXXXXXX XXXX Fay, it's still not paid. He says it will be paid by the end of the day. 
XXXX spoke to XXXX at Fay. He advises that it's not paid yet. Asked to escalate and speak to a supervisor. As per XXXX the supervisor : she is escalating and the premium will be paid. Said it takes XXXX days. XXXX minutes on the phone XX/XX/XXXX called and was advised the same thing. that the payment was not made and that it will take XXXX days. XXXX minutes on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: KY

Complaint narrative:
This complaint is about PNC and their lack of communication when giving lien releases to their consumers. After my loan was completed I didn't receive any information from PNC through email, text, or phone call. I waited until the end of the XXXX  the loan was paid off to start looking into selling my vehicle. When I found a seller I went to a PNC branch to pick up a lien release only to be told it was mailed out to my parents address. It was allegedly mailed on the XXXX XXXX XXXXXXXX but hasn't arrived yet. I requested a new copy be sent to me on the XXXXXXXX XXXX XXXXXXXX and was told there was no way to use express mail. PNC had no issue overnighting a check for me to take out another loan with them but can't get the lien release to me in a timely manner. I haven't been given any explanation for this other than it's not possible. I've also received mail from them XXXX XXXXXXXX XXXX, about a new loan I took out on the XXXXXXXX XXXX XXXX which actually led me to create this complaint. Customer needs are not being prioritized but PNC has no issue making sure you know how to pay them in a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from security finance stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Conn's, Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Account # 12345, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: U.S. BANCORP
State: CA

Complaint narrative:
US BANK Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXX.Maintained perfect XXXX cs for XXXX year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because US bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXXMaintained perfect XXXX cs for XXXX  year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because XXXX XXXX auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
First National Bank did not pay the insurance premium ( which was escrowed ) in XX/XX/XXXX on my uncle 's mortgage account. The insurance agent called me and stated she had spoken with First National Bank several times to try and get the payment on the premium with no response and the homeowners insurance was cancelling in the next few weeks for non-payment of the renewal. I reached out to both First National and the insurance company in XX/XX/XXXX to see if the payment had been paid and it still had not. Agent said she was not able to reinstate policy since it had already cancelled and new policy would be much more expensive.

First National Bank forced placed a policy in XX/XX/XXXX on the home. In XX/XX/XXXX my uncle passed away and I inherited the property. I took out a new homeowners policy beginning XX/XX/XXXX and sent over proof to First National Bank by fax several times along with calling them to cancel off and refund the forced placed insurance policy. The Insurance dept at First National called my insurance company XXXX XXXX XXXX ) and verified that we had coverage on the home but the forced place insurance was never removed. I am paying this mortgage off tomorrow and the payoff still includes 2 years of forced place coverage. 
We are due a refund of the full 2 years of coverage of this homeowners insurance. First National Bank is at fault for not paying the original premium on the homeowners coverage which increased our costs on trying to find a new insurance policy. AND they have not been willing to refund the force placed insurance even though numerous policies have been provided showing we had other coverage. This bank is the worst with communication and responsiveness.

Company response to consumer: Closed with monetary relief