vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX  of XXXX  I was applying for an apartment and they could not run a credit report because of a fraud lock on my credit. I had never placed a fraud lock or credit freeze of any kind. I tried making an Equifax account and the website blocked me, citing error code " NH ''. I reached out to Equifax and they asked for me to send a copy of my Driver 's License and SSN card to a XXXX XXXX so they could prove my identity. I never received confirmation that they processed my documents and called again where they asked for me to send my sensitive information through the mail again. I declined to do this and had my mother sign as a guarantor for my apartment to bypass this issue for the time being. Now to this year I am looking to move again. In XX/XX/XXXX, I attempt to make an online Equifax account and get the same error code " NH ''. Call Equifax again, mail my documents again, and wait. End of XX/XX/XXXXXXXX  I call and inquire about the status of my documents. The agent tells me I was misinformed by the previous agent I talked to and sent my documents to the wrong XXXX XXXX XXXX This agent gives me a different XXXX XXXX address and ensures me that it is the correct one. I hang up and call again to cross reference with another agent the XXXX XXXX address. They give me the same one as the agent I had just spoken to. On XX/XX/XXXX I send my Driver 's License and SSN card, along with a cover letter, to the new XXXX XXXX and wait the recommended 7 - 10 business days for them to receive and process my documents. I call back on XX/XX/XXXXXXXX  and XX/XX/XXXX, and they say to wait and that I can not talk to a supervisor because they will tell me the same thing. They only recommend that I send my documents again. I do not send my documents again and call back on XX/XX/XXXXXXXX  where they now tell me it will take 30 calendar days to process my documents. At this point I have sent all the information anyone would need to steal my identity through the mail 3 times to a XXXX XXXX that does not process my documents or at least send confirmation that they have received them. I have not been able to rent an apartment or apply for a credit card due to this issue. I have been given conflicting information from Equifax agents about XXXX XXXX XXXX, time lines, and whether or not I would receive mail confirmation. I have since made accounts with XXXX and XXXX XXXX without any issue, but the block from Equifax continues to prevent me from any activities that require a credit check. This issues is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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 Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX has violated my rights. Or 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or 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 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I bought my home in XXXX of XXXX. I have maintained steady payment for taxes and insurance all since that time. Through all the outrageous insurance and property tax increases and taking care of my child as a single parent - I made my payments on a {$150000.00} home. However, this new increase from my Insurance/mortgage, I can not pay! My mortgage company ( Specialized Loan Servicing ), is saying I need to add an additional {$400.00} a month, to pay insurance and taxes. That adds up to {$900.00} per month- just for insurance and taxes - PER MONTH! So now, my monthly mortgage payment on a XXXX XXXX home, went from {$1400.00} to {$1800.00} PER MONTH! Per the Mortgage company, they estimate my taxes for XXXX @ {$3400.00}. I asked to have the taxes taken from my escrow and i will pay on my own. They told me, " to do that requires a decision by the board which will take 15 business days ''. My insurance went form {$200.00} to XXXX XXXX since XXXX. Never mind the fact that I take great care in maintaining good credit and making all my payments on time no missed or late payments in 10 years! I'm being penalized for maintaining a good payment record. I think Im being priced out of my home. Why is the state not assisting homeowners to stay in their homes? Helping homeowners to stay in their homes, creates a stable neighborhood, City , County, and ultimately, Country. I have tried looking for cheaper insurance. My broker says they can not find any cheaper Please help, homeowners are suffering. This is the only value I have ; I feel like Im being pushed out of my home, and Im on my own with not help. While everyone is grabbing at me for more money, more money which I dont have! Please find me help me find affordable home insurance.

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 2023-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two accounts that were originally opened with BB & T. On both the phone app and online both accounts are labeled as checking in addition, prior to XX/XX/XXXX, no excessive withdrawal fees were ever charged on either account. It appears that since the merger of BB & T with Suntrust, the new bank Truist is now charging {$15.00} per transactions over 6 in one of the accounts that they are saying is a savings account even though it is labeled as checking. When I confronted them about this on XX/XX/XXXX they tried to say that they were required by Reg D to make these charges. This is deceptive since the restrictions on savings account withdrawals was lifted in XXXX XXXX and has never been reinstated. It wasn't until I informed them that I am recently retired from another bank that they scrambled to find another reason. They then dug out a sheet from their description of the account stating showing this {$15.00} excessive withdrawal fee on it. I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the account from " savings '' to checking after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the savings account as checking is both deceptive and abusive misleading people into using the savings as a demand deposit account. That by falsely claiming that these fees are required by Regulation D, they are again being deceptive and unfair since they are relying on the general public being unaware of current regulatory requirements and are using that to discourage further complaints from their customers and avoid culpability in their actions. In addition, even though the terms and agreements is available online, since the savings account is mislabeled as a checking account, it would make it nearly impossible for consumers to determine that the fees related to any withdrawal limits the bank is imposing would apply to their account since it is clearly labeled as a checking account. I have put in a complaint with Truist requesting a return of all fees charged for excessive withdrawals and was told someone would be back with me the same day. Nobody has attempted to contact me from Truist so I am filing a formal complaint.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose. 
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 2023-06-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My father and I have a loan with Synchrony for a recreational vehicle. In XXXX the vehicle was in a fire and declared a total loss. The loan had a gap policy attached. The insurance has paid with the remaining balance being {$1600.00}. I have submitted everything for gap except the full payment history which ive requested 4 times from synchrony. They hAve confirmed each time they have sent and I have not received. The gap company refuses to pay without the payment history and I have spent hours to no avail back and forth with the company. The time frame is coming to an end for me to exercise gap and im paying on a vehicle I do not have. This has been a nightmare

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 2023-06-27 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I opened an Indigo credit card from a XXXX XXXX suggestion back in early XXXX, I believe XX/XX/XXXX. They shipped my card and I received it around the XXXX of XXXX of XXXX. 

I read the terms in the envelope and there is a provision stating that I can pay off the balance after using the card and cancel it prior to my first statement closing and avoid the annual fee of {$75.00} on a card with a {$300.00} limit. Understanding that I activated the card around XX/XX/XXXX so it would be reasonable for the first statement to cycle on or around XX/XX/XXXX right? ... Nope. The closed my first statement within FOUR days of activating the account/opening the card. 

So as of XX/XX/XXXX my " first statement was issued '' circumventing the terms we agreed to and nullifying that provision locking me into being responsible for the {$75.00} annual fee. I didn't want the card and was planning to pay it off and cancel it prior to being opened for 30 days, but of course these subprime credit cards that should be illegal have figured out back-doors to the law and started with this type of unfair and potentially fraudulent behavior. These actions for them to do this is exactly why the Dodd-Frank Act was passed. 

I wish for Indigo to close my account, refund the {$75.00} annual fee along with any other fees or interest charged and of course delete the record from all bureaus. They are intentionally closing statements as soon as the card is activated to avoid consumers exercising their rights. 

PLEASE CFPB see what they are doing and hold them accountable. This is no different than many bank behaviors that led to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The XXXX XXXX XXXX XXXX credit card has been paid off sense XXXXXXXX XXXX XXXXXXXX XXXX XXXX has yet to update the credit bureau is accurate information showing the card with a XXXX balance. I have requested a dispute with Equifax. After the dispute was complete in early XX/XX/2023, their results were XXXX XXXX is reporting there is a maxed out balance on the credit card at the time of the dispute. I reopen the dispute. The results for a second time were XXXX XXXX is reporting there is a maxed out balance on the credit card. I called XXXX XXXX to inquire and request a fix about the issue. XXXX XXXX stated they show no balance on the credit card and would report the fix to Equifax. It has now been more than a week, and the issue still has not been resolved. According to XXXX XXXX, the issue would be resolved as of XX/XX/2023. It has not. This issue is impacted my credit as I am in the process of moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On XX/XX/23, someone was able to open a Capital One Performance 360 Savings account in my name. I have already frozen my credit with XXXX, XXXX, and XXXX. I had also placed a freeze with XXXX XXXX ( initiated XX/XX/23 ). 

Please stop allowing anyone to an open account in my name. This is the fourth time this has happened in the past year or two ( x3 with XXXX XXXX XXXXXXXX ). This is ridiculous. Is there nothing I can do to protect myself? Every time this happens it costs me hours of time on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

46.7K

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Refer to my complaint XXXX Jefferson Capital is still reporting on my report despite their response to you on XXXX that they would delete. As of today, they are still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not initiate these inquiries, 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
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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