vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
There were suspicious withdrawals and my account XXXX for XXXX on a closed checking and debit account through XXXX. I settled with XXXX but Truist froze my account for an investigation. I been a month and they still haven't unfrozen my account leaving me without any source of money. I'm physically XXXX. My phone was cut off, I can't get basic medical and living items. My debit card for car share. Other utilities and homeowners insurance a month behind. I'm a prisoner in my own home, physically and mentally spent. The bank wil no longer respond to my inquires. They block my access via their app.

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 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus have stated that my account has been properly investigated. 
How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also. 

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus took more than 30 days to complete my investigation.

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Logan Finance Corporation
State: FL

Complaint narrative:
I went under contract XX/XX/year> to purchase a house for $ XXXX under an LLC XXXX XXXX business partners. Before going under contract, I inquired about the terms of a loan with Logan Finance Corporation through a loan broker from XXXX XXXX. I explicitly asked if they calculate the XXXX index using short term rental income via XXXX  and was told they do. I was given a rate of 6.624 % with XXXX points ( {$5000.00} ) for a loan of $ XXXX and 25 % down payment. In addition to this loan, I was also getting a loan on a different property that was owned free and clear. 

XXXX week before closing ( closing on XX/XX/XXXX ), my loan officer informed me that the lender, Logan Finance Corporation, was changing the cost because they are using market rent + 15 % and not the short term rental income. This brought the cost up to 6.624 % with XXXX points ( {$15000.00} ). We postponed the closing of the refinance loan until they fixed this. They refused to lower the points but my broker lowered his fee to make up for some of the difference, not all of it. Also, when this happened we pushed the closing date to XX/XX/year> to give me time to deal with the lender. 

I closed on the XXXX loan on XX/XX/year> because we were satisfied with the pricing of the purchase, even though it was higher than what was originally quoted. Then, on XX/XX/year>, I was informed that the lender was forcing us to use an interest only loan at 6.749 % and XXXX points ( {$29000.00} ). We had no choice but to back out of the loan and lose our earnest money deposit. 

We had a rate lock. We were told they used short term rental income to qualify the loan. Neither of these things meant anything. They tried to force us into a more expensive loan and we lost a lot of money because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: IL

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 Account Name : XXXX 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 XXXX 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
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: MI

Complaint narrative:
Dispute and Request for Removal of Negative Charge Off and Inquiries Dear Experian Consumer Relations, I hope this letter finds you well. I am writing to express my deep concern regarding the XXXXXXXX XXXX negative charge off and inquiries that are currently listed on my credit report with Experian. I have made several attempts to resolve this matter through your customer service department, but unfortunately, I have been blocked from all communication channels. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I would like to bring to your attention that the negative charge off and inquiries listed on my credit report are not accurate and are causing significant harm to my creditworthiness. I kindly request that Experian investigate and verify the accuracy of the negative charge off and inquiries that are currently affecting my credit report. As per the Metro 2 laws, it is crucial that accurate information is reported on credit files. If the information can not be verified, I request that Experian promptly remove these negative items from my credit report. Furthermore, I would like to address the issue of being blocked from all communication channels. As a consumer, I have the right to information and open communication with credit bureaus. Blocking me from all communication channels is not only a violation of my rights but also hinders my ability to resolve this matter in a fair and timely manner.

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 2024-04-23 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I called this company back in XXXX They have no knowledge of how they obtain my information and it was too long ago for them to trace how they got it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: AZ

Complaint narrative:
I have made XXXX separate attempts to remove/correct incorrect information on my Experian credit report. DEPT OF EDXXXX continues to show " Open/Never late. Deferred, payments begin XX/XX/year>. '' However, I have provided proof twice now ( copy of XX/XX/year> Letter from the Dept of Ed ) that the my claim was approved for settlement under the XXXX settlement agreement and this loan was discharged. I was even refunded monies paid toward the loan. The letter from teh Dept of Ed states the delete the credit report tradeline associated with the discharged loans. BOTH times I requested this dispute be handled by Experian ( by phone and letter ) I later received a notice that the dispute is updated, only to review the report and find NOTHING was updated at all. This account should not read " Open '' or " Deferred '' as it is discharged. Please assist.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.

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 2024-04-23 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: CA

Complaint narrative:
I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I was trying to transfer XXXX Capital One Rewards to XXXX XXXX which has a transfer bonus promotion of 30 percent resulting in XXXX XXXXXXXX XXXX so that I can book a business class flight for two passengers ( XXXX miles plus XXXX USD for taxes and fees ; the dollar cost equivalent is about XXXX USD ). There is a problem with how Capital One and XXXX match up customers ' names. Capital One, at best, will only show a customer 's first name, middle initial and last name. However, frequent flyer memberships typically ask for the customer 's name to match their passport which is always the customer 's full name spelled out ( no initials ). Because of that, a customer 's name will never match between Capital One and XXXX. That is the problem I had which prevented me from transferring Capital One Rewards to XXXX. I tried five times ( I even called XXXX to have them modify my middle names ) and then the Capital One Rewards system eventually locked me out of XXXX. This problem is not my fault and out of my control. I am being punished for this because now I am unable to book the flight I want. It is not fair and immoral because these flight deals do not last very long and now I am going to miss out on it due to this issue. I pay XXXX USD annually to be a cardholder of Capital One. I absolutely should not be having these kinds of problems. I deserve better treatment for my loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN XXXX  DAYS. THESE LATE PAYMENT

S HAVE BEEN UNVERIFIABLE. ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I
, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. THESE LATE PAYMENTS HAVE BEEN UNVERIFIABLE. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-23 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be lateXXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be late.XXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.

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 2024-04-23 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: LA

Complaint narrative:
XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be lateXXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2024, I have discovered that my electronic payments are not going through and after contacting Chase bank via phone, I was informed that my checking account ( XXXX ), my savings account ( XXXX ), and my XXXX XXXX credit card account ( with accumulated points ) are closed without advance notice. After visiting Chase bank branch in XXXX XXXX XXXX, California twice, which including meeting with the branch XXXX, I was told that Chase will not provide the reason for closing the account and the " decision was made in back office '' and the reason would not be provided/disclosed. I have objected the closing of my accounts, especially I have a transparent lifestyle, have a good relationship history with financial organizations, and pay the taxes : I have the right to know why my accounts were closed ( savings, checking, and credit card ), especially without given notice, that lead to payment issues. I have indicated that I have the right to know the reason for closure and not to speculate if the account was closed for any discriminatory reasons. This experience left a very heavy moral impact on me. Also, the accounts closures are negatively impacting my credit score and the bank does not recognize the responsibility and accountability for such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Was notified of a hard inquiry report from my credit bureaus earlier this month for Capital One. Discovered someone successfully hacked my credit/SSN and got a Capital One credit card in my name and was getting a credit card shipped to my house. Capital One did fix the problem promptly but still want to report incident

Company response to consumer: Closed with explanation