vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
On or around XX/XX/year> I applied for a personal loan with Truist Bank DBA LightStream for {$50000.00} to invest in cryptocurrency. An individual online had befriended me, and proceeded to entrap me in a romance scam and scammed me out of the cryptocurrency by using a fake investing platform ( website ). I have filed a police report and report with the FBI to try and track down the party responsible for stealing from me. That said, I have a complaint against LightStream in that I should not have even qualified for the personal loan in the first place. I provided paystubs showing I earn approximately {$60000.00} per year and I already had a car payment of {$500.00} per month, a personal loan with Upgrade I had taken out previously for {$25000.00} with a {$20000.00} balance still remaining and other living expenses! The monthly payment to upgrade is {$830.00}, I pay approximately {$1100.00} per month in rent, {$140.00} per month to XXXX, {$180.00} per month to XXXX  XXXX and so on... Based on my income, I should not have qualified for a loan with XXXX and if denied, would not have been able to invest money which was fraudulently stolen from me. LightStream committed predatory lending and lended to me based on a credit score rather than an ability to pay!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Revenue Enterprises, LLC
State: VA

Complaint narrative:
I have been receiving non stop calls from this number and calls before 8am and all hours of the day and weekend. i asked to be placed on do not call list, but they are still in violation of laws they must follow by calling me at XXXX XXXX this morning. They also called me before their business was even open ( XXXX XXXX, their time ) so i had to wait until they were open and i was at work to call back and request to placed on their do not call list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/XXXX I was a victim of a security breach on Fifth Third consumers personal and business financial accounts, including but not limited to debit card purchases transactions. Consumers checking account was repeatedly breached by an authorized account takeover through Fifth Third debit card scheme ( which includes fraudulent payments to business entities for services, subscriptions and products unbeknownst to consumer. 

Fifth Third is playing games and tactics for beneficial gain which is fraud upon its face. Since XX/XX/XXXX Fifth Third strategy increasing the number of products, subscriptions and services to Consumers accounts as well as existing customers. Fifth Third is violating Illinois law by failing to exercise ordinary care and good faith in obviously fraudulent withdrawals. Fifth Third Bank security failed to detect that its withdrawals were visibly and clearly fraudulent.

Consumer is taking matters into its own hands by contacting the business entities directly for fraudulent payments and for same as oppose to dealing with Fifth Third fraudulent department. I contacted several business entities and have been successful in XXXX out of XXXX. The business entity XXXX XXXX XXXX indicated that the domain that was purchased was XXXX and the email was XXXX, which was fraudulently made up. 

Also now XXXX is involved with Fifth Third debit card scheme and since last night has withdrawn XXXX fraudulent payments for services, subscriptions and products unbeknownst to consumer. The Consumers financial accounts has went from positive to negative and not Fifth Third will began seeking beneficial gain for overdraft fees of {$37.00} and {$8.00} per day for each transaction activity. 

XX/XX/XXXX XXXX {$51.00} was reimbursed XX/XX/XXXX XXXX {$4.00}, {$4.00} and {$73.00} XX/XX/XXXX XXXX  and XXXX {$98.00}, {$66.00} XX/XX/XXXX Debit Card purchase at XXXX XXXX  mail, a XXXX for {$46.00} XX/XX/XXXX XXXX XXXX {$25.00}, {$39.00}, and {$39.00} XX/XX/XXXX Fifth Third Overdraft Fees {$37.00} per XXXX fraudulent XXXX subscription Fifth Third unlawful conduct is in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), the Truth in Lending Act ( TILA ), the Truth in Savings Act ( TISA ), and any and all other regulations.

Consumer seeks appropriate penalties and other monetary relief for injuries sustained since XX/XX/XXXX to present. 
Fifth Third actions falls under Section 1031, 1036 ( a ) ( 1 ), 1054 and 1055 of the CFPA, 12 U.S.C. Section 5531, 5536 ( a ) ( 1 ), 5565, 5565 ; TILA 15 U.S.C. Section 1601 and its regulation Z, 12 C.F.R. p1026 and TISA 12 U.S.C. Section 4301 and its regulations DD, 12 C.F.R. part 1030.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: HW Holding, Inc
State: GA

Complaint narrative:
First & foremost, I have been going through a financial crisis since 2022. After moving to XXXX, My mailbox was broken into and my new license and credit card ( s ) were stolen. From then I knew I had to start montitoring my credit. I was using the app and everything seemed to be fine for about XXXX months. When I started to struggle, I was unable to keep up with my monthly subscriptions for my credit monitoring so I was unable to monitor what was going on with my credit for a few months. When I was finally able to start back monitoring, I noticed my credit had dropped XXXX points due to someone attempting to get cars in my name ( due to all auto inquiries ) & the thieves successfully got an apartment IN MY NAME!!! ( a collection company has been harassing me to pay them ). I just want these items removed, so I can go back to my normal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I mobile deposit a check from my employer to my Chase bank account back on XX/XX/2023. Two days later I was informed that my account had been closed when I called them they said that they were unable to verify that the check was made for me. I then provided them with two phone numbers to my boss the one that wrote the check but when I called them back they said that they were not able to verify the check and that my account would be closed and the check would be mailed out I had direct deposit set up on the account I have received that money but not the money for the check that I mobile deposit I have been to the branch and they were unable to help me because my account had been closed they said the only I could do is call their customer service number which I told them I already done that it's been 3 months and still no check I know they got the money from the bank the check was from so why haven't Received my check yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: COMMERCE BANK
State: TX

Complaint narrative:
I made a purchase for XXXX  using the Commerce Bank credit card. The total was {$1800.00} or so for a month of lodging in an XXXX in XXXX. 
The experience was just horrible. 
1. Knowing the booking was for a month, the XXXX  should have been stocked accordingly. It was stocked for 2 days stay - toilet paper, paper towel, towels, etc.. Not for 30 days!

2. I had my service animal with me which is by federal law allowed to bring. The host came to me and told me to pay for my service animal another {$500.00} in cash outside the XXXX or else they will make up something to get rid of me. This is extortion!

3. The host entered the apartment without my permission nor my knowlege. My girlfriends private items like underwear were out and about. Thats an invasion of privacy.

4. The host overall was extremely aggressive and rude to us.

Due to these reasons, I have opened a dispute with the credit card company and then did not hear anything!

There is no dispute center, there is no online portal. I called twice and both times had to wait 2 hours on the line until I got someone! 
The reason I called second time was because whoever opened my dispute the first time did not do anything! I had essentially to open the dispute twice. 
Just horrible service. 

Then, 3 months later, I get a notice that I am getting rebilled. Despite all the above, and without any investigation, they just rebilled me and there is no ability to appeal, no one to talk to so I decided not to pay for the bill, as I should! 
They placed a past due mark on my credit report and I can not do anything!! I am being screwed from all directions with this transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I was told at time of purchase this house up to USDA CODE at time of sale by owners, one realtor and two different inspectors. The USDA, mortgage company, and legal aide wont help investigate and rectify this gross negligence. This house was sold to me with a huge mold infestation, possibly toxic, the roof that was on paper replaced in 2017 was not replaced they left it there and put a very XXXX built roof around it, they did not remove anything that was water damaged and just covered it up. My air ducts are laying on the dirt ground in the crawl space that is also mold filled, rotted out and holes in all of them and are rigged to the house with asbestos tape that is falling apart. There is also a severe gas leak and a blown ac line. There is no accessible breaker for the furnace, the kitchen sink plumbing was rigged and not actually installed correcting so it is unusable without leaking. The water line on the fridge was rigged as well and began leaking making it unusable. None of the attic joists are secure as they are decaying due to mold same with the whole ceiling. All the floors and subfloors are weak and decaying as well, along with the back deck. This is all according to XXXX  inspectors who refused to weatherize my house in fear of killing my XXXX child and I if they had. We have had to emergency relocate and uproot our lives because our home was unsafe to be living in and weve been here for almost two years breathing this in. We have lost family pets because of this and are experiencing health issues. My XXXX child is XXXX XXXX XXXX XXXX and has had severe XXXX and XXXX with XXXX  because of this prolonged exposure to mold. I have had to completely change his care routine and providers to hopefully save his, his brothers, and mine lives on my own dime because everyone seems fine with us being XXXX  over like this while not considering no one gets money if we all die or become severely ill or financially destitute because of this. I am legally responsible for a XXXX person so what exactly does the mortgage company or USDA gain from allowing this to cause a foreclosure on my part from not having income anymore and trying to maintain shelter somewhere else as well?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This company Halsted FinancialXXXXXXXX XXXX will not stop texting me. They provided directions to opt-out and I did submit that in writing, but they will not stop. They texted me on : XX/XX/year> at XXXX and I immediately sent them a written request to stop contacting that phone number. They acknowledged the request and said they would stop. 
Then they text me again at XXXX the same day! 
Then they text me again at XXXX on XXXX XXXX. I again requested in writing to stop contacting this phone number and they acknowledged again. 
Then they text me again at XXXX on XX/XX/XXXX. 

They are harassing me at my personal cell phone number and will not stop after repeated written demands to stop. They are sending texts from a short code number " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under FCRA 605B, it is imperative to expunge any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately portrayed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly review the documents? Some of the listed accounts are inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
FCRA 605B stipulates the necessity of removing any incorrect accounts from my credit report. Could you please double-check the documents? Some of the listed accounts exhibit inaccuracies in their 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 2024-03-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
It has become clear that Citibank has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, XXXX, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

Citibank has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given Citibank to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with Citibank since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts.

2. I do not authorize you to disclose account payment amounts.

3. I do not authorize you to disclose instalment amounts or terms.

4. I do not authorize you to disclose credit limits.

5. I do not authorize you to disclose credit purchases.

6. I do not authorize the reporting of my payment history in $ amounts.

7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and Citibank is still disclosing my nonpublic personal information to XXXX, XXXX, and 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. - XXXX XXXXXXXX - Account Number : XXXX - XXXX - Account Number : 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