vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: AL

Complaint narrative:
I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the above companies are accounts that were opened up under my social security file without my consent.

The following inquiries were also opened up under my credit file fraudulently : 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 XXXXXX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This company XXXX XXXX XXXX calls every day from XXXX to XXXX including on XXXX and XXXX. I have disputed this debt several times to no avail. They sent me information on this debt that I did not know about. The amount that they are saying I owe them is {$2000.00}. I have sent a letter asking them for a signed purchase contract with a wet signature stating that they had my permission to access my personal information and I have yet to receive it. I've lost my fiance ' and my daughter 8 months apart and this has proven to be very stressful. If I had any inkling that I owed this debt, I would have paid it by now. This company has been relentless.

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 2024-05-16 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: GA

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.

has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citicard XXXX XXXX XXXX debited my account XXXX  for the XXXX payment on the XXXX & XXXX for {$230.00} in error. They told me that they would refund the extra payment on XX/XX/year>. I've called multiple times and still have not received the refund. This caused me to be late on another bill & have XXXX items returned.They said they couldn't apply the refund to the XXXX payment. It is now showing that I am XXXX  days late on my payment and they reported it to the credit bureaus.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
This is a charge for XXXX with FNBO credit card. 
I called them today and they said this is for charges you still are charged after paying off the card. I told them take it off. I do not owe for charges that was paid off to a XXXX balance. 
Credit card company should not be charging accounts with a XXXX balance for past charges that were paid off. 
They should never be charging customers like this. I do not know any other credit card that charges customers with a XXXX balance for charges that were paid off.

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 2024-05-16 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My realtor and I were told that if I received a gift of {$2000.00} that it would show the underwriter at Truist that he can count the XXXX of {$2000.00} that was put in at date of offer, that we would have enough cash reserves to close on the property. 

I was told that I would receive a refund of {$2000.00} after closing in the form of a check. 

Mind you this gift was from a family member and I only accepted the gift as I was told we would get it back after closing. 

Come to find out the lender Truist instead of asking me how I would want the refund, ended up just applying it directly to my mortgage principal with no communication to me or my wife.

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 2024-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Revela Inc
State: CA

Complaint narrative:
I had a closing date on a property in XXXX. 
XXXX from Mino Lending gave me the closing costs, we spoke on the phone and I transferred the money. 
The day of closing the notary came, and for my surprise the closing cost changed for about {$4000.00}. I did not have the money and did not sign and lost the property. 

My broker has asked them to pay for the fees the seller is asking. They have not answer to us. I have contacted a lawyer 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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 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: GA

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-05-16 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: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : [ XXXX ] and XXXX  XXXX [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

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 2024-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

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 2024-05-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
Can you please get rid of these inquiries? I don't know anything about this, and the company did it 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 2024-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I have been a customer with Loan at Last since XX/XX/XXXX. I have paid off a couple of loans in the past. Around XX/XX/XXXX I was going through a hardship and the company settled the loan with {$50.00}. I took out another loan and I was approved for {$1000.00} the payments were {$110.00} weekly I reached out in XXXX and asked if I can change my frequency to bi weekly. I started to pay {$220.00} every two weeks and then I ended up lowering my payments to {$110.00} I ended up making two payments so far. Loan at last ended up extended my loan for 60 days I began paying XXXX XXXX I was able to make two payments on XX/XX/XXXX I asked if my payment can be deferred to the end of the loan term due to a hardship which was done I reached out a week prior to see if my payment can be rescheduled the agent who i spoke to rescheduled it for XX/XX/XXXX and XX/XX/XXXX. I thought my finances would improve but my expenses have increased and I am on a fixed income. I reached out on XXXX XXXX and I spoke with an agent named XXXX via live chat and I explained the situation to her and she told me that unfortunately the skip a payment option has been used and the payment has been scheduled she offered to schedule me a call back to discuss other options she told me that there are other options available and that they might lower the payments. XXXX scheduled the call back for Wednesday XX/XX/XXXX at XXXX I was up early and I did not receive a call back to discuss options and now I am in a bind. I am on a fixed income and Im barely getting by. I would like to have these payments lowered or settled the account for what has been paid because it is causing me to be tight with finances and Im struggling to make ends meet. I want to be out of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I mobile deposited a check from the XXXX XXXX XXXXXXXX into my business account XXXX XXXX XXXX for XXXX on XX/XX/XXXX at XXXX I received an email that it was approved and processed on XX/XX/XXXX at XXXX and that the funds should be available in 2 days, I went inside the branch at XXXX XXXX XXXX XXXX XX/XX/XXXX looking for a particular employee XXXX to speak to her about moving my XXXX XXXX business over to BMO she wasnt there I left got in my car, seen that I needed gas so I went through the drive up window filled out a withdrawal slip for {$50.00} a representative at the window advised me that my check had just been placed on a 7 day hold, contacted BMO Resolution Team ( supervisor ) spoke to a supervisor by the name of XXXX she was able to call the branch and speak with XXXX XXXX the branch manager at XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX then advised XXXX that she put the 7 day hold on the check because I walked inside the branch and walked back out and went through the drive up window to withdraw money, So XXXX explained to XXXX that the check was just on a standard 2 day hold and that she didnt see the reason it was put on a 7 day hold, XXXX advised XXXX that if she wanted to she could release the hold. So XXXX released the hold, {$500.00} was available right then the other {$4700.00} was suppose to be available XX/XX/XXXX, I went to the branch at XXXX XXXX XXXX XXXX the same day XX/XX/XXXX and withdrew {$300.00}. On XX/XX/XXXX I checked my online account and the {$4700.00} wasnt available my actual balance was - {$300.00}. So I Called BMO again they advised me the check was sent to Fraud and the account is frozen and was did so by the branch manager XXXX XXXX. Fraud then advised me that the check wasnt in my name and I had to have the owner of the check sign a Affadavit of endorsement ( which was my mom ) and have it notarized so the owner and I walked in the branch not even 30 minutes after the Resolution Team advised me of this the Resolution Team also advised that once they received the affidavit of endorsement they could release the freeze off of my account within the hour, Once we signed the form the branch manager XXXX XXXX had to notarize the form. So when I called BMO Fraud department to advise them that the bank rep XXXX had sent in all documents and information they advised us that it will take an additional 14 days for the check to process and clear. Fraud does not have any notes on my account all of the notes are from the branch manager XXXX XXXX at 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 explanation