vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with XXXX. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with XXXX. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XXXX  XXXX, I contacted the American Express ( Amex ) Customer service at XXXX CST regarding the product. During this 50 min 8 sec call, a customer representative confirmed that I will be receiving a welcome bonus of 150,000 Hilton Honors Bonus Points ( Reward points ) after appy this credit card product ( Hilton Honor American Express Surpass Credit Card  ) and spend {$3000.00} in purchases on the Card within first 6 months of Card Membership. 

While confirming with her ( Amex Customer Service ) about any restriction from receiving the welcome bonus, she confirmed 'as long as you never applied or received a welcome bonus from this product ( Hilton Honor American Express Surpass Credit Card ), then you will be eligble for the welcome bonus ( of XXXX Hilton Honors Bonus Points ( Reward points ) ) '. I again confirm with her regarding any restriction from receiving the bonus, there is no mention of term 'Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. ' from this Amex Customer service.

Since the call was recorded and the details of offer were mutually confirmed ( that I will be receiving the welcome bonus after the qulified spending of {$3000.00} ), I agree this agent ( Amex Customer service ) to proceed the application of Hilton Honor American Express Surpass Credit Card. 

On XXXX XXXX, I received an update by Hilton Honor ( XXXX ) regarding the new card benefits. 

On XXXX XXXX, after receiving the product. I contacted the Amex customer service at XXXX CST regarding the card details and benefits. Amex customer supervisor- XXXX was confirmed 'As per the bonus offer terms, your welcome bonus offer was declined. ' A misrepresentation of a credit card product provided by an American Express agent could be against the law in the state of Nevada. Specifically, it could be considered a violation of Nevada 's deceptive trade practices laws ( NRS Chatper 597 ), which prohibit businesses from engaging in false or misleading advertising, marketing, or sales practices. Under Nevada law, a business can be held liable for making false or misleading statements about its products or services, regardless of whether the statements were made intentionally or negligently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called in for a paper statement fee. I never ordered paper statements. The agent insisted I had to go online to turn off paper statements and she couldn't, her manager couldn't either. That is XXXX. Truist knows if they make it more difficult people will give up and not do it. This is a malicious policy Truist has. 

So I spent an hour dealing with Truist 's malicious compliance to XXXX me over.

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 2023-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NM

Complaint narrative:
Good afternoon, I was contacted by cell phone by a representative from Lexington Law Firm in XXXX of this year regarding financial advice in helping to resolve consumer debt. I agreed verbally at the time to sign up for a five day free trial of their services, but contacted the representative immediately after having performed an internet serach of said law firm, having discovered that they have a terrible on-line reputation, according to their customers. I immediately called the representative and clearly stated that he was to cancel this subscription during the trial period, because I discovered their ill-reputed reputation online. He agreed. On XX/XX/XXXX of this year, I discovered that Lexington Law Firm made a compleletly unauthorized draft in the amount of {$160.00} from my checking account at XXXX XXXX XXXX. I made telephone contact with them, and after having spent an hour trying to convince a paralegal ( who is not registrered as such by the state of Utah ) to transfer me to a supervisor, which he did. XXXX XXXX, with LL, sent me an email confirmation of the refund, which I have uploaded to my complaint. The refund was promised as was written, by today, XX/XX/2023. I have not received the refund. I was able to contact several " supervisors '' at this firm today and reached XXXX XXXX, who admitted that the refund had not been processed but would do so XX/XX/2023, which would take another 3-5 days to process. I feel lied to by XXXX XXXX, and am wary that the putative refund to be processed today will ever appear in my checking account. I was treated very rudely by earlier personnel with whom I spoke, who insisted I was a " member '' despite my refusing the subscription in time and blew me off during he conversation. I was finally able to contact another supervisor and am attaching her email response as well. Tomorrow, if the funds aren't in my account, I intend to file a dispute with my credit union. I have already filed a complaint with the state of Utah Consumer Protection Division. What concerns me the most about my experience with this outfit is XXXX ) A pending lawsuit accusing them of violating the Telemarketing Sales Rule, which bans upfront fees for credit repairing services before any services have been delivered. XXXX ) A promise to have made a refund of money by today 's date, XX/XX/2023, which has not occurred. XXXX ) People claiming they are paralegals who aren't even licensed by the state of Utah. Because this promised refund did not appear, and I doubt what was promised to me today will ever happen as I have lost all trust with this outfit. I and my credit union plan to take legal action against Lexington Law including possible criminal charges if they are not going to honor the promised refund by the end of the business day today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had Capital One XXXX XXXX credit card, which haS {$390.00} annual membership fee posted on my account on XX/XX/XXXX for coming year. I feel this fee is too high for me, want to cancel the credit card and get the annual membership fee refunded. 

I called Capital One customer service on XX/XX/XXXX, saying want to close the account, the customer service agent confirmed with me within 60 days of the posted on the account, if I close my account I will get the annual membership fee refunded, I have until XX/XX/XXXX to close and advise me to wait and think thru. 

On XX/XX/XXXX, I called their customer service again to close my account, while the call to close the account, another customer service agent also assured to me I will get my annual membership fee back ( since it is within 60 days limit time ), just took some time to post. 

On XX/XX/XXXX, I still not see the {$390.00} refund to my account although the account is already closed, I called customer service again, now the agent said refund is only if I close the account within 40 days after the amount is posted. They had no way to refund my annual membership fee {$390.00}. I called again to customer service without any solution was provided. 

I feel I was given the wrong information twice, now I am out of {$390.00} and closed the account which negative impact on my credit history too. Please help to solve this issue, Thanks a lot

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a report that there was a hard inquiry made on my credit report for a bankcard that I never applied for and I did not authorize the credit check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I have requested an incorrect address be removed as the address is not mine and have requested the company remove said address 's. XXXX XXXX XXXX, MO XXXX # XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX are not my addresses and as I have stated are not found on my credit report and these companies are reporting inaccurate information that I have requested several times be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I borrowed money to pay off debt through XXXX. They transferred the loan to Achieve. The original loan was done by issuing me checks to pay off my creditors. I was given two checks to be paid to the Federal agency, the department of education. I did not send the checks because of the student debt loan forgiveness program authorized by the Biden administration, expecting the loans to be forgiven ( these were parent plus loans and the loans were forgiven ). I contacted XXXX about seven weeks ago to have that part of my debt to them canceled, or for them to reimburse me, along with accrued interest for the uncashed checks. They have not reimbursed me and keep telling me they are attempting to do so, but they have to verify the checks with XXXX. My patience is exhausted. I have evidence the checks were not cashed, as they are in my possession. I am currently awaiting a mortgage refinance loan and fear my money will never be returned to me. Achieve loans insists they can not even give me an estimated time for the resolution of the issue.

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 2023-02-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 AMERICAN EXPRESS XXXX : Federal Trade Commission & Attorney General of Georgia -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Congress ensured that under 15 USC 1681a ( 2 ) ( A ) ( i ), consumer reporting agencies are not to include reports containing information solely as to transactions or experiences between the federally protected consumer and the person making the report. American Express has violated my right to privacy under 15 USC 1681a ( 2 ) ( a ) ( i ). I am also requesting the permissible purpose written authorization that I gave American Express permission to furnish my information to each of the following account : - AMEX XXXX American Express has harmed my family under16 CFR 313, and 15 USC 6802 and has not initially or annually given me an opportunity to opt-out of the reporting my non public personal information. 
Remove these account from my consumer report immediately under federal laws you are violating my privacy and harming myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was advertised some products from a company and was told that a XXXX payment would be accepted for payment of goods. The XXXX payment was sent and no goods were received. Wells Fargo was made aware of this situation more than 3 times with no assistance to the consumer. I felt as though I was scammed for my money XXXX XXXX XX/XX/2022

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 2023-02-24 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Truist has placed forced placed coverage on my condo for an unreasonable amount of {>= $1,000,000} on coverage that is only {$90000.00}. They are now aware of their mistake but we had several times stated that the amount they were trying to charge was not bonafide reasonable charge but they kept ignoring our request for examinations. We are willing to pay for the amount of coverage that is reasonable. They are trying to charge {$11000.00} for {$90000.00} worth of coverage for a six month period. Please help them per Federal Code title 12 help them follow their part of the law.

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 2023-02-24 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:
I sent in my police reports. Identifying I am a victim of identity theft. They said they are working on it but sent me this stall letter saying i'm not me. I want to hire an attorney at this point. Something needs to be done.

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