vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX) sent me NonRenewal Notice of Termination effective XXXX XX/XX/XXXX Truist Bank XXXX Mortgage Lender sends letter to me stating XX/XX/XXXXXX/XX/XXXXnotified them my property insurance was cancelled ONE YEAR PRIOR : XX/XX/XXXX and will FORCE PLACE hazard property insurance {$4000.00} because they did not read XXXX XXXXXX/XX/XXXX NonRenewal Letter accurately . 

XX/XX/XXXX. XXXX Truist sends second notice XXXX XXXX " XXXX cancelled XX/XX/XXXX '' and they will FORCE PLACE. 

XX/XX/XXXX I email XXXX and attach Truist letter XX/XX/XXXX with WRONG insurance expiration date AND I attach the XXXX XXXX NonRenewal Notice cancelling insurance XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX, agent, XXXX XXXX called spoke directly to Truist, faxed them the XXXX XXXX Policy DECLARATION Page showing Effective Dates XX/XX/XXXX to XX/XX/XXXX. Specifically told them they are reading the dates WRONG. There NEVER was a lapse in coverage. 

XX/XX/XXXX Truist FORCE PLACES Hazard Property Insurance and charges {$4000.00} to be added to my Insurance Escrow XX/XX/XXXX I purchase XXXX XXXX XXXX XXXX. Truist pays XXXX XXXX {$2100.00} annual premium to be added to my Insurance Escrow

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 2022-12-28 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: PA

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 XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : 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 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 explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Review of my Bank of America credit card account ending in XXXX indicates there were multiple ( monthly ) variable APR interest rate increases. However, Bank of America failed to provide the XXXX interest rate change notification in advance as required by the Credit Card Accountability Responsibility and Disclosure Act ( CARD ) of XXXX a credit card company increases the XXXX on your account XXXX it must also inform you that you have a right to cancel before the new rate takes effect. In addition, theCARD Act restricts card issuers from charging the new interest rate on balances outside of the most recent billing period.The higher interest rate can not be applied retroactively. So, the existing balance will not be subject to the higher rate, only new purchases. 

Review of the account indicates XXXX interest rate increases were assessed on the statements beginning XX/XX/XXXX through XX/XX/XXXX for XXXX billing cycles and no XXXX notification was received from Bank of America or specified on the monthly billing statements. Also, the interest rate increases appear to have been applied to the existing balance and new purchases. Generally, card issuers must review and re-evaluate the interest rate for your account at least every XXXX months. However instead of providing a XXXX re-evaluation of the XXXX increases, Bank America has increased the APR consecutively for 8 months. There has been no negative change within my credit profile. In fact, Bank of America recently increased the credit limit on the card substantially which was not requested/initiated by the consumer. 
The credit card terms indicate a " Standard Rate '' which Bank of America defines as a variable interest rate and the index to which the rate is tied to is the U.S. Prime Rate. 

Please be advised all credit card payments were made timely, the payments were more than the minimum payment required and was paid on or before the due date. Therefore, there is no justification for monthly APR changes.Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX Statement Due Date XX/XX/XXXX APR was 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 explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a payment using the XXXXXXXX XXXX XXXX on XX/XX/2022. I usually do not use this card ( prior payment to that was at least a year ago ). I was not aware that the contact information for the store credit card is different from the XXXX website where you place orders for products. This is complicated by the fact that I no longer check the old email address and also moved to another state and do not receive any paper mail from them. Thus I was not aware that I had a late payment. However, it was not until at least 2 months after the initial payment day that I receive a notification from XXXX XXXX that XXXX noted I had a late payment. From my history, I had a strong credit of XXXX mostly due to paying bills on time or earlier. It wasn't until I noticed that there was a +60-day late payment for the XXXX XXXX. Had I known about this earlier, I would have made the payment earlier or changed my contact information. 
I have already paid off the balance that includes 2 late fees. I called customer service who said they can provide a late fee waiver. However, I still can not see this on my end so I am not sure if they applied it. They do not even have an option to email me proof of this.

Finally, despite using the correct password multiple times, I can not log in to the website to make payments which I have also noticed in the past. The website and many other online users state that there persistently have been issues with logging in and reaching customer service, making it very very difficult to make payments on time. 
As a result of the late payment which is very rare for me, my credit score dropped from mid-700s to high 600s, which is very disappointing given one blip that I was not aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws. Equifax has added more inaccurate and incorrect information for which I am also asking to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$5800.00} XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2022-12-28 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
XXXXm honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are XXXX  to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 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 2022-12-28 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: GA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}

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 2022-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: CA

Complaint narrative:
XX/XX/XXXX I sent dispute letters certified mail, tracking XXXX notifying of that I was avictim of Identity theft.I filed a FTC AFFIDAVIT along with claims of the XXXX settlement and the XXXX XXXX Data breach Breach notices. 
My report had erroneous names, addresses, phone numbers and accounts that I did not open. 
FRCA laws states I have a fair and accurate reporting o on report. 15 U.S.C 1681 ( a ) all must be accurate and in a timely manner. 
EXPERIAN illegally opened a dispute on my credit report at XXXX XXXX  on XX/XX/2022 and withing 35 minutes, they said it was verified. I spoke to the customer service from EXPERIAN and XXXX said they dont do investigations. I believe this is violation of my rights under the FRCA and also under 15 U.S.C 1681 codes. There were two fraudulant XXXX XXXX accounts, one has been deleted and one is updated. Both accounts should be deleted not just one. This proves that the credit bureaus that they are not acting according to law. Now XXXX XXXX and Experian shows another different account number from my original report, Acct XXXX was deleted. 
Now Experian puts on my report the same account with different account number for the same deleted XXXX XXXX XXXX XXXX acount. 
I have sent the original FTC affidavit with those accounts to prove they are were originally that account number nut, now shows diiferent. 

Acct XXXX was deleted but EXPERIAN and XXXX XXXX have fraudualntly added XXXX to my report, this is the same account with a different number. More proof of violations of my rights by not investugating and furnishing accurate data. 

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make an action to update the following items immediately : 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 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 2022-12-28 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: NY

Complaint narrative:
I have asked XXXX and Transunion to verify the information being reported to the credit bureaus concerning an account with XXXXXXXX XXXX I have sent them out letters XX/XX/XXXX and i have also send them letters XX/XX/XXXX giving them 10 days to cure the situation. I have sent them copies on my utility bill, social government ID. It is now XX/XX/XXXX and I have not been contacted via phone, mail or any other form of communication and these accounts are unverified and are still being reported and effecting my credit score. I have been more than patient and at this point I am more than frustrated. This is stopping me from starting my business and receiving the proper resources to do so.

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 2022-12-28 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: FL

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 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 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  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 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