vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a call from the bank ( Truist ) on XX/XX/22 asking if I requested that a new debit card be sent to new address. I said no. I called the bank back and they said they did not make the call, and they referred me to their fraud department, the lady said she would put a note on my account but at that point there was no unusual activity. Then I got a call from someone ( at the same number I used to call Truist ) saying that they were following up on my fraud incident ( the name was XXXX ) and then he sent my an authentication code via text and asked me to read it to him, then to the best of my memory he asked me to enter my pin via by typing the pin into my phone ( and that for security reasons, he wouldnt ask me my pin. ). He then said he would look into the situation and follow-up and that a new card would be sent to me. He called back on XX/XX/22, following up, saying before he could assist he needed to send me an authentication code to verify my identity. I read the code to him, then he asked if I wanted the card sent to me overnight. He said I could continue using my existing card until I received a new card in the mail. I told him no, because I wasnt going to be home and didnt want the card to sit outside. He then said oh are you going out of town ( I thought that was weird ) and I said no. Then he assured me the card would be sent, and we hung up. Then overnight I had multiple cash withdrawals, transfers and a debit purchase. Money was taken from both my checking and savings account. I have entered a claim with Truist Bank, went to the bank to open up a new account and I called the police to file a report, but they say I need proof of the claim from Truist before they could move forward with the 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 explanation
Consumer complaint received 2022-11-03 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: NJ

Complaint narrative:
I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Transunion is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Transunion credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Transunion is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Transunion for their predatory practices that need to be stopped immediately!

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 2022-11-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act USAA SAVINGS BANK and XXXX 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I closed on a home equity line of credit through citizens bank on XX/XX/2021. I was under the assumption it was a fixed loan as the paperwork states. In an area I was shown on an auto debit authorization form which listed both customer information and financial institution information which was signed. The customer information column includes loan account number which states fixed loan. The other column under financial institution information lists a corresponding citizens bank checking account that was canceled soon after the transaction that offered a percent reduction for opening the checking account with citizens bank. I found out its not a fixed loan and I was never able to take advantage of a percent reduction. In a year my percentage rate rose from 6 to a current rate of 9 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
I recently pulled my Experian Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in 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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We have a mortgage that was purchased by Mr Cooper mortgage. We have been paying the same monthly payment and escrow for nearly a year and all of a sudden they increase the monthly payments by over {$600.00} a month. I called to see why and was told that they would not talk to me because the mortgage is under my wife 's name. In reality I am legally involved and have access to the account. I had to complain to they on one of their surveys to get a response. They called and apologized but would still not tell me why there was an increase. They sent material by email that was encrypted and could not be opened. I still do not know why they have increased payments so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I recently pulled my XXXX Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

*Mercedes Benz Financial Services- XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I recently pulled my XXXX Credit Report and there are XXXX listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; *BMW Financial Services- ( XXXX  Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in XXXX XXXX, MO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hi, XX/XX/22 I received a check for {$10000.00} Check # XXXX XX/XX/22 I deposited the check into The Navy Federal ATM New location in XXXX MD. 
Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXlater that day I saw my accounts were all frozen. Called and could not speak to Security because they were closed until Monday. 

XX/XX/22 Called Navy federal Security Dept they told me I was permenantely banned and that I submitted a fraud check. Said I couldn't do nothing about it or talk to anyone else. 
I told them to verify with the bank and they can call the person who wrote it. They did not verify or want to. I felt attacked and penalized for no reason even if there was a typo I could of easily got a wire or it reissued. I was treated like a criminal over my money. 
XX/XX/22 Navy federal cashed the check and took the $ XXXX from the XXXX XXXX  account and revoked all access from mobile banking. 

XX/XX/22 I called back to tell the Security Dept that they cashed my check and to inform them again that it wasn't fraud especially since they now have my money. 
I sent in an appeal letter to the bank but they wont ' get back until 15 days. 

I am trying to make sure they return the check asap. On the phone they told me it was fraud and that it was being retuned to sender, never said they were going to cash it and keep the money. 

XX/XX/22 I feel like I've been robbed. They called me accused me and lied to me, took my check and revoked my access to my money. 
I never had a bank do this to me even if the check had an issue it could have been a simple hold on the check until further verification. I feel profiled and like this entire process was bias. They closed my checking and savings for my personal and business accounts without even a simple phone call. I guess they couldn't trust me even with a legit business on file. 

I am truly heartbroken and disappointed in Navy Federal. I was transitioning my money over from XXXX to Navy Federal and they just cancelled my accounts with no hesitation. 

I am waiting on this money to be returned asap to I can get a new wire for my $ XXXX. So now I have no bank account and no way to get my money. 

Please help I have a feeling Navy Federal is going to drag this out way longer than 15 days and will play these games of " nobody has a clue '' what happened to the check. 

Please see my attached proof and appeal I sent in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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

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 2022-11-03 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: TX

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 CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX 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 XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NJ

Complaint narrative:
I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Equifax is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Equifax credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Equifax is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Equifax for their predatory practices that need to be stopped immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

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 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I have been overcharged on my escrow account by planet home lending since the beginning of XXXX and continue to be overcharged. I first emailed regarding this issue on XX/XX/XXXX and had phone conversations with them in the following days. I thought everything had been squared away but I began to investigate my escrow account and found that was not correct. I wanted to make sure I would not be short again this year on my escrow and I realized I was still being overcharged. They have three amounts for my taxes when there should only be two. They have listed a town that is 45 minutes away from where I live on my escrow. I do not live anywhere close to this town therefore I can not pay taxes to them. They duplicated the amount of my county taxes and listed it as another town. So not only do I have my county taxes and city taxes but then I have a made up amount to a town I dont live in. I reached out to them again on XX/XX/XXXX in email and never heard anything so I called on XX/XX/XXXX to be informed there investigation was concluded on XX/XX/XXXX and that I was wrong. I began getting proof together to send to them in the form of : my tax records, payment and escrow information, and tax ID number to send to them. Which I have in email on XX/XX/XXXX and have not heard anything back from them. I have all proof and would be glad to send it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX IN. for the amount of XXXX opened on XX/XX/2022, has violated my rights. 

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.

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