vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
For years I paid my insurance and taxes with my previous mortgage company, XXXX XXXX XXXX on my own, not escrowing. I was sold to Flagstar Bank because my balance, I guess was too low to keep my account. They said I needed to sign an escrow waiver and pay around {$220.00} fee to keep doing it on my own, which I did. My private homeowners insurance provides for flood insurance included in my premium. They told me that the XXXX XXXXXXXX XXXX XXXX requires that all flood ins premium be escrowed. Is that is the case, how I was able to do it on my own all the previous years? When I called I was told that if I couldn't separate both insurance ( house and flood ) they were going to start escrowing me for both. I told them I already paid both and my taxes this past XXXX ( they have the declaration page ). They told me I will be escrow again for both ( flood and house ) and I would not have to worry next year. This will be if I cant separate the premiums. I refused that because that is why I pay taxes and insurance on my own. I had to call my homeowners ins to see if they can refund me and re-send a bill for flood to Flagstar bank. All this inconvenience for something that I been paying for years on my own. Money is not an issue because I been sending extra {$500.00} for principal almost every month.

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 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

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 2023-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a consumer, I am deeply impacted by the provisions outlined in the Fair Credit Reporting Act, 15 U.S.C. 1681, including section 1666 ( b ). Section 1666 ( b ) addresses the reporting of delinquent amounts that are in dispute between a creditor and an obligor. According to this section, if a creditor receives a written notice from an obligor stating that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, the creditor is prohibited from reporting to any third party that the obligor 's amount is delinquent due to failure to pay the disputed amount under section 1666 ( a ) ( 2 ) of this title. However, the creditor may report the amount as in dispute if they notify the obligor of each party 's name and address to whom the creditor is reporting information about the delinquency. In light of the protections provided by the Fair Credit Reporting Act, I have several concerns regarding the handling of my personal information by consumer reporting agencies and financial institutions. Specifically, I never authorized XXXX, Experian, or any other financial institution to share my personal information with credit reporting agencies, which violates the provisions outlined in 15 USC 1681 section 604a section 2. Moreover, I was not informed of my right to opt-out of disclosing my nonpublic personal information, as required by 15 USC 6802 ( b ) ( c ). Furthermore, I am troubled by the negative information that has been reported about me without my consent, as stated in 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including unfavorable material that predates the report by more than seven years. Additionally, it seems that XXXX and Experian are not implementing appropriate measures to safeguard consumer privacy and limit the dissemination of consumer reports, as required by 15 U.S. Code 1681e. Given these concerns and violations, I am declining your reporting services and, in accordance with 12 CFR 1016.7, I am exercising my right to opt-out at this moment. As a consumer, I believe it is essential to protect my rights under the Fair Credit Reporting Act and ensure the fair and accurate reporting of my credit information.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my debit card was fraudulently charged. There were XXXX transactions totaling {$630.00}. XXXX transactions for {$39.00} and XXXX transactions for {$110.00}. I disputed all XXXX transactions on XX/XX/XXXX. 

On XX/XX/XXXX I was notified that XXXX of the XXXX transactions had been ruled in my favor, but XXXX transaction was deemed legitimate. On XX/XX/XXXX Ally withdrew {$110.00} from my account as a reversal of the previous Provisional Credit. 

On XX/XX/XXXX I called to discuss this with Ally and was told there was no appeal process, but that I could request documentation that Ally used to make their decision. I made this request and was given reference # XXXX. I waited the XXXX business days stated but never received the requested documentation I called back on XX/XX/XXXX and it took XXXX minutes to finally reach a point where I just had to submit another request that was identical to the XXXX. This was given reference # XXXX. 

I asked to speak with a supervisor who then spoke with " back office '' and was told that the original request was fulfilled and the information had been emailed, after it was clearly stated the information could only be sent via the postal service. Regardless, I never received an email with the documentation. 

This process has been cumbersome and Ally appears to have made misleading and false statements while not producing the required documentation.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is a complaint against unfair account practices with my PayPal credit account. My account is in good standing and my line of credit was decreased dramatically without my knowledge. My PayPal Credit/Synchrony Bank account limit was {$800.00}. I made a payment on XX/XX/XXXX in the amount of {$770.00} to pay off my balance. I logged in today XX/XX/XXXX and saw that my credit limit was dramatically decreased to {$100.00} without my consent. I spoke to a customer agent agent today XX/XX/XXXX and she informed me that an email will be sent XXXX hrs from the time it was decreased which was XX/XX/XXXX. The email should explain the reasons for the decrease and she also mentioned that PayPal Credit will do an account review randomly. I find it weird that my credit limit was reduced after I paid it off. Its like Im being punished for paying off my balance?! It simply doesnt make sense. I was transferred to a supervisor and he told me the same thing and mentioned that the review is according to the terms and conditions of the account. So basically he couldnt do anything about it. He said that I can always apply for an increase and it will be hard pull. The letter/email shouldve been sent prior to the decrease as a warning before you decrease anyones credit limit. Im finding out about this decrease when I havent even received a letter yet. I would like PayPal Credit/Synchrony Bank to correct this and increase my credit limit back to {$800.00}. This will mess up my credit usage/utilization and affect my credit score. The email on the account is 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 2023-11-29 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: CA

Complaint narrative:
I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXXXXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: CA

Complaint narrative:
I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXX,XX/XX/2022 XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXX of XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license

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 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a store line of credit at Discount Tire to purchase tires. The line of credit is through Synchrony Bank. The loan/credit was opened XX/XX/23 in the amount of {$580.00} to be paid off in 4 months with no interest. The loan was paid off XX/XX/23 and the email states that the account is paid in full and account has been closed. 

Starting XX/XX/23, I started receiving monthly emails and letters about my pending payments and account balance. I have tried calling Synchrony Bank to fix this, but I just get passed around to different people and no one seems able to solve this problem.

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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: PA

Complaint narrative:
I visited the emergency room at XXXX XXXX XXXX. After receiving care, which was unfortunately subpar ( although that's a different topic ), I received several invoices and bills. Promptly, I paid all of them upon arrival since I have primary insurance and a secondary insurance covering additional expenses. One bill from the hospital amounted to {$1200.00}, and I immediately settled it using my secondary insurance 's debit card. The payment was processed on the same day I received the invoice. 

However, six months later, I received the first letter indicating that I still owed the hospital the mentioned amount. I promptly called and faxed the document proving the payment made by my secondary insurance ( Spending Account Service Center ). I submitted a downloaded copy of the statement, clearly displaying the date and the amount paid. Despite my efforts, a few months later, I received another invoice claiming the outstanding amount. I called once again, providing all the information, and they assured me that they would address the issue. 

To my dismay, I recently received a collections invoice from XXXX XXXX XXXX XXXXXXXX, stating that my bill was no longer under the hospital 's collection but had been handed over to a third party. Now, I find myself having to invest more time in resolving this issue that the hospital failed to address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I buy a brand new 2023 toyota XXXX  last year, and they insisted in adding extras extended warrantys, and windshild protection, and wheels protection. I say no to all of this but they insisted and toll me i would be able to cancel thme at any time, so when i try to cancel they said to wait longer until the process became solid, so i call back im about 2 months and still insisted in keeping this warrantys, so i like to get help on this situation because i feel like they abuse, for me to be a new and first buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There is an account in my credit report that i do not know as mine Macys/CBNAXXXX, i sent CBNA a debt validation debit and them didnt give me any answers about 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried several time to get this bogus information off my report and this company has violated and defamed me over and over. I am having problems getting approved for credit due to these injustices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I do not agree with the previous response received from this company!! I am not liable for this debt of {$430.00} with LVNV FUNDING LLC, LVNV FUNDIN LLC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested wit my wet signature and ID verification. Also on my recent report it is showing a positive payment history of on time payments going up to XXXX and that the account opened in XXXX of 2022 but how is that possible if I never had a contract with lvnv funding llc! I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: PA

Complaint narrative:
I am writing to address a matter of utmost importance regarding the reporting of the account under creditor XXXX XXXX XXXX with the account number XXXX. Despite my diligent efforts to communicate the inaccuracy of this information, it continues to be furnished on my credit files. 

This account has already been deleted from the XXXX credit bureau on XX/XX/2023. When are you going to delete this on your side? 

Having an inaccurate negative item on my credit report unfairly impacts my credibility as a consumer, potentially leading other creditors to form misconceptions about my financial responsibility.

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 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/23 I call TransUnion and asked the representative have they receive my information stating proof that the bankruptcy don't belong to me the company first Told No they did not have the letter from XXXX XXXX XXXX XXXX is the reporting agency that reported the information to TransUnion the company, TransUnion told me that it wasn't enough information to get them to remove the bankruptcy from my account I asked them to get an a little bit more details the representative told me that the CFBP told them to leave the bankruptcy on my profil and that it should not be removed because the bankruptcy belongs to my father. I sent all the information that was needed to TransUnion I'm also uploading documents showing you guys information that I report it to TransUnion They're violating my rights in so many ways first off by lien on other companies. And my constitutional rights I was also told that they can not verify any information on me. I sent a copy of my ID, Social Security card and address there's no way but when I called the Phone, they verify my information I'm confused, I'm asking the cfbp to help me get this removed from TransUnion and attorney general of Georgia

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 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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