vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am the trustee of a trust set up by my brother-in-law who passed away XX/XX/2023. I received a letter from Discover, dated XX/XX/2023, informing that an application, number XXXX, was denied due to no credit record available. I did not apply for this card. I know his daughter and granddaughter do have his personal information. XXXX suggested I file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Victoria Secrets financial institution of choice, Comenity Bank, has reduced my LOC 2x ( LOC reduced XX/XX/2023 from {$630.00} to {$550.00} and in XXXX from {$550.00} to {$400.00} ) within 6 months of each reduction, significantly lowering my score each time. Ive not paid late on the account for at least 2 years, IF EVER AT ALL, for the duration the acct has been opened. Im very concerned that this action is aggressive and excessive in nature, without warrant, and is undoubtedly and adversely affecting my ability to obtain other ccs; appearing unfavorable to other cc companies, causing undo financial harm.

This appears to be a trend for this financial establishment as there are countless reviews on several platforms of individuals expressing the same treatment. Its a counterproductive effort because Im paying the card minimum balance monthly and refuse to pay more than minimum considering the egregious treatment. Reducing my LOC to almost near what is owed is increasing my credit usage percentage, thus causing a significant decline of my credit score significantly each time the LOC is reduced. Im curious as to how this benefits either party especially if Im paying at least the minimum balance each month ( creating more interest on my part this benefiting Comenity ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed some thief to transfer all my funds out of my account with a 3rd party checking account that doesn't have my name on it. I filed a police report and would like you guys to work hand and hand with law enforcement to get my funds back please.

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 2023-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC
State: IA

Complaint narrative:
Last XXXX I had a contractor come out and do some foundation work at my residence. They offered one year free financing through Sunlight Financial. On XX/XX/XXXX a payoff was requested. It was received and on XX/XX/XXXX my attorneys office processed a wire transfer in the amount of {$9600.00}, Bank Reference Number XXXX, XXXX to be applied to Loan Number XXXX. The XXXXXXXX XXXX was XXXX XXXX XXXX XXXX. On XX/XX/XXXX I called and sent a message to Sunlight when I noticed that the loan was still not paid off. I then sent an email and received a response that they needed additional information. I then reached out to the attorney and provided the above information to them via a secure message. I called again XXXX and spoke to someone who could give me no answer as to why it is taking now almost 2 weeks to process a loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B This debt was sold

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 2023-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Select Portfolio Servicing bought my loan from XXXX XXXX on XX/XX/XXXX. I experienced extremely poor customer service such as receiving conflicting information on multiple occasions due to questionable processes SPS had set up. For example, without a request from me or a bill from my insurance company, SPS used funds from my escrow account to pay the insurance when my insurance was already fully paid until XX/XX/XXXX. Seeing that SPS processes are bizarre and unpredictable, I closed my escrow account with SPS and was told by SPS that a refund check in the amount of {$11000.00} was mailed to me ( regular mail ) on XX/XX/XXXX. Today is exactly 4 weeks and I still have not received the check to pay property taxes and insurance on my own. I did my part and informed SPS weekly over the past month that I had not received the check. I was told by an SPS supervisor that she requested reissuance of the check but the process of ensuring the prior check had not been cashed and issuing the new check is 30 days. How in the world does reissuing a check take 30 days? 
So I had waited 30 days for a check, and supposedly now have to wait another 30 days for the new check to be issued. And SPS insists that they send out refund checks by regular mail. And I was told to my face that, God forbids, if the next check does not come, I have to wait a full 30 days BEFORE I can request issuance of a third check. Theoretically, if I even receive the check at all at the end of that process, that's a full 90 days just because SPS does not want to spend an extra XXXX cents to buy a tracking number when mailing out a large check. I believe the regulation says that I have the right to receive my refund within 30 days after closing the escrow account. It appears that once the initial 30 days has passed, SPS has the duty to expedite and re-issue the check to me, after checking that the initial check has not been cashed ( which should not take more than 1-2 business days in this electronic age ). Kindly help me get my escrow refund money!!! XXXX XXXX dollars plus is a lot of money that SPS is insisting on keeping and in the meantime, creates bizarre deceptive processes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am trying to have PMI removed from my mortgage. I have done substantial upgrades to my home ( more than {$80000.00} ). This includes a full new kitchen, updated bathrooms, new flooring, new electrical, etc. I've been told by them : * These didn't qualify ( even though they initially accepted them ) * That they wouldn't honor my original loan documents * They have already taken money to assess the property, now they won't assess and won't refund my payment.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Inquiry Removal Due to Unauthorized Access and Fraudulent Activity Dear XXXX Customer Service , I am writing to address certain inquiries on my credit report that I have neither initiated nor authorized. Upon reviewing my credit report, I identified the following unauthorized inquiries : - XXXX XXXX  on XX/XX/XXXX - XXXX XXXX  on XX/XX/XXXX - DEPARTMENT OF EDUCATION on XX/XX/XXXX I believe that these inquiries are fraudulent. Unfortunately, my device was stolen recently, which has led me to suspect that I am a victim of identity theft and fraud. 

In light of this, I wish to bring to your attention the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which stipulates my rights to dispute incomplete or inaccurate information. Under this Act, consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Moreover, given that these inquiries have the potential to adversely affect my credit standing, it's crucial they be addressed promptly to protect my financial health and well-being. 

Therefore, I kindly request : 1. A thorough investigation of the above-mentioned unauthorized inquiries. 
2. The immediate removal of these inquiries from my credit report.

3. Written confirmation once these inquiries have been removed.

4. Advice on additional steps I should take to ensure my personal and financial information remains secure, in accordance with federal and state consumer protection laws. 

For your convenience, I have enclosed a copy of the sections of my credit report that display these unauthorized inquiries. I stand ready to provide any additional documentation needed to expedite this process. 

I earnestly urge you to treat this matter with the urgency and gravity it demands. My financial reputation and personal identity security are at stake, and I anticipate a resolution in alignment with the timeframe and guidelines set by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this serious matter. 

Sincerely,

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries on my credit report are unauthorized and I don't appreciate inaccurate information on my credit report.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Incorrect personal name, address, phone number and employment information on credit report.

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchases of three items were delivered to my home last year in XXXX. One of the items was not to the size specified and was returned for full credit minus the shipping of {$40.00}.. This item was not properly credited by the accounting agency and was only issued half the refund. The other two items where defected and could not be of use. A dispute was made for the defected items to be credited and was granted. To this day the proper credit for the first item returned has not ben resolved after many attempts, verbally and written. This matter has been affecting my credit score and is also accruing late fees and interest that I do not owe. I do not have access to my account as it has been closed and blocked for my viewing or accessing any documents that where previously sent as confirmation of the credits issued to my 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 explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately 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 2023-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mortgage began XX/XX/XXXX serviced by Nationstar Mortgage d/b/a Mr. Cooper. 
Beginning XXXX the company began calling customers on or around the XXXX of each month. When the call is answered a recorded male voice announces in a very strident, almost threatening voice that this is Mr. Cooper and we are a collection agency. He continues with words to the effect that they are out to collect on a debt and offer ways to make payment immediately, including by check and we will wait until you get your checkbook. Other options are given, the last being, speak to a representative. 
The representative requires the usual of Name, Address, Zip, and last-4 SS #. She says that this is a courtesy reminder that our mortgage payment is due by XXXX. 
For the first few months I ignored the calls until XX/XX/XXXX, and was confused and offended why this company was representing themselves as a debt collector which usually means I am in arrears. I have never been late with payment to them. I told her that I didnt appreciate the tone of the recorded portion of the call and that since I had not ever been late that I didnt want or need a reminder. She promised that she would take care of it. 
Today XX/XX/XXXX they called again. 

Since my first mortgage in XXXX I have never had a company send a monthly reminder about the next payment. I have been late by a few days a minuscule number of times and only then was contacted by the company and paid the penalty. 
It is sad to think that, for this company, the majority of their mortgagees are delinquent and need to be threatened by a collection agency in order get their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MA

Complaint narrative:
On XX/XX/2023 my mortgage company Cardinal Financial approved a forebearance agreement for the months of XXXX, XXXX and XX/XX/2023 and my payments would resume XX/XX/2023. I was informed by the Loss Mitigation team I would not have to update any of my autopay information as the payments were suspended on their end, therefor no payments would come out. On XX/XX/2023 I received a letter that they received the authorization to change the date they use to draft my regular monthly payment. On XX/XX/2023 my mortgage payment did in fact come out. We have a written agreement that I did not have to make payments for XXXX. I did not authorize Cardinal to take my payment and as of XX/XX/2023 I have still yet to receive. I have been calling Cardinal Loss Mitigation for more than 2 months trying to get this resolved and refund me my money. Every time I call I get different information or promises I have a refund in the mail. I have called almost weekly for updates and continue to get false information. Our written agreement states I do not have to pay for XXXX, I did not authorize this payment. I want my refund. They did not uphold this forbearance only causing me more stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I need your help, my identity was stolen after I open an account with XXXX XXXX. I have put in a dispute for charges that I did not make. I am not disputing that I open an account. I received the card in the mail and when I called to active it, I was told that it had already been used. It was in a different state from where I live. 
I did not make these charges and on your web site it states that you take fraud very seriously. All my credit cards were stolen along with my checking account, my XXXX investment account. They had turned off my cell phone and turned off my email account. So I was not getting any alerts on my phone or in any emails. I quickly realized what was happening and took action. 
I have gone to the police and put in an identity thief report at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX phone number is XXXX. The case number 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 2023-08-11 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: 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.

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 non-monetary relief