vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CapitalOne bank, very difficult to make a purchased. When something happened I need to call them and behaind line with angry-cashier. Omg they request documents drivers license and proof of residency. Do not open credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied my request to remove Private Mortgage Insurance ( PMI ) from my mortgage account. My initial request was unfairly denied, and I would like to provide additional context for your consideration. 

This year, I submitted multiple requests to have PMI removed from my mortgage account, as I believed that I had met the necessary requirements to do so. This was first done in XXXX of this year, as this was the 2 year mark of me owning the home. However, my request was denied due to a technical issue involving the first two mortgage payments, which I had missed. I want to clarify that these missed payments were not the result of my negligence or inability to make payments but rather a result of a mishap on the part of the mortgage institution. 

In XX/XX/2022, my mortgage was transferred to Truist. In XX/XX/2022, I was reviewing my bank statements and discovered that my auto-pay setup had not been properly transferred, which led to the missed payments. In prior instances when my mortgage had been transferred, I was notified well in advance and was able to be sure the payments continued, but Truist was unsuccessful in doing this. Immediately upon realizing this mistake, I contacted the Truist customer service department, and the representative I spoke with acknowledged that it was not my fault. She reassured me that such situations occur frequently and expressed empathy for my situation. She also let me know that it would have no bearing on my credit, yet now I'm being unfairly denied. I promptly paid the outstanding balance to rectify the situation, as I have always been committed to making timely mortgage payments. This was the first and only time I have ever missed a payment. 

Given the circumstances and the acknowledgement of the issue by the representative, I believe it is only fair to reconsider my eligibility for PMI removal and grant my request. I have been a responsible mortgage holder with a history of consistent and timely payments, and the missed payments were beyond my control. 

Furthermore, I would like to request a refund for the PMI premiums that have been charged to my account since XXXX, as I believe that I have met the criteria for PMI removal for that time. It is only fair that I receive this refund to reflect the accurate state of my mortgage account. 

I have been regularly communicating with Truist since my initial request in XXXX of this year, and they have taken months to respond, and have not been helpful in evaluating my request. I'd like to submit a formal complaint that I believe Truist is taking advantage of customers based off of their own technical mistakes, and an acknowledgment of a representative to that effect. 

Thank you for you help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover offered me multiple promotional balance transfer offers. In exchange for a one-time transfer fee, I would receive a 0 % APR for 12-18 months. I paid these large fees to transfer substantial balances and receive the promotional APR for the advertised period of time.

I also continued to use the card for typical purchases, but pay in full at the end of the month for any incremental purchases I made, as well as the minimum payment if it was larger than the amount of my standard purchases.

After almost a year, I realized that Discover was in fact using my monthly payments to payoff the 0 % balances that I had paid to be set to 0 %, while allowing my non-promotional balances to accrue at a rate in the 24-25 % range. They effectively converted my promotional balances into non-promotional balances despite the fact that I had paid for the rate to be 0 % on those amounts. 

This type of anti-consumer behavior is very reminiscent of the reordering of purchases to maximize late fees that banks used to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
I made a payment of {$6600.00} to my Edfinancial services school loans and at first it said the payment was processing but now nothing is showing up and my balance is still the same but the money was taken out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I sent {$250.00} to XXXX for cash pickup. The transaction was stalled and I was asked to answer questions about why I am sending money to THIS particular person. XX/XX/2023 I sent {$270.00} to XXXX and the transaction was stalled and I was asked to answer questions about why I was sending money abroad. The company policy was clear that money could be sent abroad for taxes, services, paying bill, etc. However I was told that MY transactions would be stopped and refunded if I did not send to friends or family. I was told that I would not be allowed to use the services of the money transfer company to pay for international interests. The transaction on XX/XX/XXXX was put through, the transaction on XX/XX/XXXX was refused by the company and immediately refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: CA

Complaint narrative:
I have recently found out that someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I am a victim of identity theft and have filed and made reports with agencies and am also filing complaints and reports with local law enforcement departments in order to properly dispose of incorrect information on my credit report that certain financial institutions are placing on my name. 

I do not know who used my information, but these accounts must be removed from my credit report! I am attaching the report I filed with the Federal Trade Commision, as well as the affidavit and complaint of ID Theft which I had notarized in front of an official, in order for my request/demand to be made and have the accounts listed below removed from my credit report. 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$12000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX {$21000.00} ( LOAN ) XXXX XXXX XXXX XXXX {$15000.00} ( LOAN ) These three accounts are fraudulent, unauthorized, and were not opened by me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently found out that someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I am a victim of identity theft and have filed and made reports with agencies and am also filing complaints and reports with local law enforcement departments in order to properly dispose of incorrect information on my credit report that certain financial institutions are placing on my name. 

I do not know who used my information, but these accounts must be removed from my credit report! I am attaching the report I filed with the Federal Trade Commision, as well as the affidavit and complaint of ID Theft which I had notarized in front of an official, in order for my request/demand to be made and have the accounts listed below removed from my credit report. 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$12000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX {$21000.00} ( LOAN ) XXXX XXXX XXXX XXXX {$15000.00} ( LOAN ) These three accounts are fraudulent, unauthorized, and were not opened by me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I ordered a product on line from a company that used the name XXXX XXXX XXXX. 
I ordered one bottle of skin tag remover which should have been {$39.00}. They had a promotion that you would received 3 bottles for the price of one. They charged my debit card immediately for {$190.00}. I tried to cancel the order but was told it was already being processed. So I filed a dispute with my bank, Truist. The bank gave me a provisional amount for XXXX since I had agree to the {$39.00}. A few days later I received the material and immediately call the company and asked for a RMA to return for a full refund. I was given the RMA and the address where to return. I received confirmation that the material was received on XX/XX/23 at their Fulfillment Center in XXXX FL. I ordered the product on XX/XX/23. Once I knew the material was received I contacted the vendor to ask how long would it be before I received my refund. I was told since I filed a dispute with my bank that they would not refund my money until the dispute was closed. So I was told to have the bank, myself and the vendor on line to verify that the bank closed the dispute. After I was told by the bank that my dispute was closed I called the vendor and asked again when I would receive my money. Then I was told that they could not refund my money since it was over 30 days from the purchase date. The bank since denied my claim and debited back the provisional money. I went to the bank and the manager opened another claim once I explained the situation. That claim was denied and I was told to resolve with the vendor. This vendor obviously scammed me out of {$190.00} and my bank will not help me get it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: MO

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXX and company credit card around XX/XX/2023. My closing date was XX/XX/2023. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XX/XX/2023 it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft.

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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:
XXXX XXXX, XXXX, & XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: DE

Complaint narrative:
I checked my consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I received an email from TransUnion. 

Order Confirmation & Account Access Dear XXXX, Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. 

If you have any questions, please contact our customer service team at : ( XXXX ) XXXX. 

LOGIN NOW Your Order Order Date : XXXX Order Number : XXXX XXXX Details [ ID XXXX with TransUnion Credit Report and Monitoring ] Billing Subtotal : {$0.00} Sales Tax : {$0.00} Total : {$0.00} Your TransUnion account is ready. Start taking advantage log in now. Need help logging in? Please give us a call at ( XXXX ) XXXX. 

Sincerely, TransUnion Get in the know I did not order this service, nor have I used this account for several years. When I attempted to contact XXXX  about this issue, the chat representative did not answer my question and disconnected me from the chat. 

I would like to know what TU is doing with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!

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