vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Promotion Name : 2024 Truist XXXX XXXX {$400.00} Online Only Offer XXXX XXXX : XXXX Enrollment Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a dedicated Mortgage customer of Truist for over two years, the promotion appeared as a significant opportunity for me to streamline my financial transactions and benefit from the financial institution that holds my mortgage. Expecting to leverage this offer, I shifted my primary banking activities, including my employer 's direct deposit and everyday spending, to Truist, believing in a mutual benefit from this engagement. 

However, the circumstances surrounding the promotion 's qualification process led to an unexpected and profound financial strain. After meticulously adhering to the promotion 's criteria, my account was flagged for review right at a juncture when, due to unforeseen expenses and obligations, I was compelled to temporarily withdraw funds, leaving a XXXX balance. This timing was unfortunately coincidental with the bank 's review process, resulting in an abrupt disqualification from the promotion. 

This disqualification came at a considerable financial detriment. The anticipated {$400.00} promotion was not merely a bonus but a calculated component of my financial planning, aimed at offsetting some immediate financial burdens and commitments. The abrupt withdrawal of this expected support, coupled with the bank 's refusal to reconsider their decisioneven after funds were replenished and the account was active againplaced me in a precarious financial position. It not only eroded my trust in the institution 's support for its customers but also inflicted a direct financial hit, exacerbating my financial challenges during a critical period. 

Subsequent attempts to seek understanding and rectification through customer support and escalation met with a rigid stance, underlining a disheartening lack of flexibility and empathy for customer circumstances. Discussions with management, including with XXXX XXXX, who acknowledged the rigor of the promotion 's terms, failed to yield any recourse or relief. This rigid adherence to policy, devoid of consideration for customer loyalty or the nuances of individual financial situations, underscores a distressing disregard for the financial wellbeing of customers. 

This experience has not only resulted in immediate financial strain but has also compelled me to question the value and integrity of my banking relationship with Truist, especially considering my significant mortgage engagement with the bank. The inability of Truist to offer flexibility or understanding in this matter reflects a broader concern about its commitment to customer support and financial empathy.

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 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CT

Complaint narrative:
This is an ongoing matter of identity theft. My identity was stolen in 2022. I have made a complaint similar to this one many times. Today, XX/XX/XXXX, a debt collection appeared on my credit for {$200.00} to XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have never lived in Florida. I just bought a home in Connecticut. I called the company as well as emailed them disputing this debt. They said I would need to fill out a " fraud packet ''. I have yet to receive this packet via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XX/XX/2024 Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX [ Your Experian Report Number ] Subject : Notice of Intent to Sue for Violation of FCRA Rights Dear Sir/Madam, I am writing to express my deep concern regarding the persistent factual inaccuracies present on my consumer file, despite the completion of the initial investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). As a consumer, I am protected by various consumer laws, including the FCRA, which stipulates that consumer reporting agencies must ensure the accuracy of the information contained in consumer reports. 

It has come to my attention that despite my previous efforts to dispute and rectify the inaccuracies on my Experian credit report, the errors persist. These inaccuracies have caused significant hardship and have had a detrimental impact on my financial standing and overall well-being. The inaccuracies have resulted in me being denied automobile loans, higher interest rates, inability to to secure housing, higher automobile insurance, denied personal loans etc. 

The FCRA obligates consumer reporting agencies, such as Experian, to conduct a reasonable investigation into disputed items on consumer reports and to correct any inaccuracies promptly. However, despite my efforts to provide evidence and documentation supporting the inaccuracies in question, Experian has failed to fulfill its obligations under the FCRA. 

Therefore, I am providing this formal notice of my intent to pursue legal action against Experian for its violation of my FCRA rights. If Experian does not take immedate action to rectify the inaccuracies on my consumer file and provide me with a corrected credit report within 15 days ( because I have been disputing these accounts for two years, and I have your responses stating you verified these accounts ), I will have no choice but to seek legal recourse to enforce my rights under the FCRA. 

Please be advised that I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Experian to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau My Attorney 's Name, 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
On XX/XX/2024 my XXXX XXXX XXXX checking account, including my XXXX  XXXX was placed on a legal hold. I called XXXX XXXX XXXX at XXXX, which was given to me by the bank. I spoke with XXXX who I advised of my bankruptcy filing. I also provided the name of my bankruptcy attorney XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX the funds of {$680.00}, {$100.00} and {$28.00} from my minor child 's account was taken. I faxed in my bankruptcy filing document file # XXXX to XXXX. Asking for legal hold to be removed, and all funds returned. {$300.00} of this belonged to my mother XXXX XXXX to pay a bill. 

I called the office again on XX/XX/2024 and spoke with someone. At this time I was advised, they would not be able to speak with me. Since I had legal counsel, they would only speak with him. On XXXX XXXX, XXXX XXXX XXXX withdrew another {$100.00} from my account. Although they were previously provided my attorney 's name and bankruptcy document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I recently inherited a home from my mother who passed away in XX/XX/year>. This home had an active loan which is currently being serviced by Rocket Mortgage. Following my mother 's passing, I reached out to Rocket to start the loan assumption process as successor in interest, and provided the necessary paperwork to do so. My wish is to assume the loan and to be able to view the loan information online on Rocket 's website, as the law affords successors in interest the right to do so.

Despite providing the requisite documents to be confirmed as successor in interest, and being confirmed as such by Rocket, Rocket refuses to allow me to assume the loan, nor to allow me to add the loan information to my Rocket account, stating that the loan " does not meet their guidelines '' without further information or clarification. Please refer to the e-mail thread in the attachment. Thus, I am left in the dark about the loan and to my understanding, am not afforded the full rights both as a borrower and successor in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to urgently request the immediate update of a late payment on my credit report. The delayed payment status is inaccurately reflecting my financial history and is having adverse effects on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After reviewing my credit profile I noticed a fraudulent account per following XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX  47 % {$470.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$470.00} XXXX Equifax XXXX XXXXXXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX 47 % {$470.00} XX/XX/XXXX {$1000.00} {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I submitted a one-time payment instruction to Mohela requesting that a payment in the amount of {$500.00}, Confirmation # XXXX, Payment Effective Date XXXX/XXXX/XXXX, be reapplied to Loan # 2 DL Consolidation Unsubsidized. To be clear, this process is necessary because Mohela does not allow borrowers to target a loan when making payments ( i.e. make a payment to a specific loan ). 
I followed the directions per Mohela 's website : " Targeting a payment to the subsidized or unsubsidized portion of the loan is not available online. You can submit one-time payment instructions, standing future payment instructions, or you can contact us at XXXX. '' I sent messages to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX. Each message was met with a nonsensical answer. For example on XX/XX/XXXX MOHELA 's Response : " Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. Our records indicate that your request to reapply your {$500.00} payment to loan # 1 has been completed and approved on XX/XX/XXXX. '' This response cites XX/XX/XXXX which PREDATES the {$500.00} payment which was made on XX/XX/XXXX, and I requested to apply the payment to LOAN # 2, NOT loan # 1. To date, XX/XX/XXXX, the XX/XX/XXXX payment has NOT be reapplied to XXXX XXXX. 

I want the payment correctly apply to the correct loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: CO

Complaint narrative:
I reached out to healthcare finance direct ( HFD ) by phone to ask them about their plan regarding a providers bankruptcy and they could give me no information and advised that if I didn't keep paying them they would send me to collections and taunted me saying that my credit would be harmed. I'm on the SmilePay Plan. The website states if you haven't received your full treatment then you do not need to continue with your monthly payments. HFD is the service provider for your SmilePay payment plan. I was in the middle of my treatment plan when XXXX filed for bankruptcy, I was never able to talk to a dental team about my progress, let alone the issues I had with my aligners, nor was l able to order retainers so my teeth have shifted back to their original state causing me pain in my jaw. I am aware that the creditor on the loan is soon expected to launch a customer support plan for. In the interim, ( per XXXX  ) HFD is obligated to place my disputed account on hold until the customer support plan is approved by the creditor and the attorney general-this has not been done.

Company response to consumer: Closed with explanation