vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
i had thousands of my dollars stolen by card services relia card id card # is XXXX their phone # isXXXX XXXX XXXXXXXX XXXX the company stole my identity and did business without my consent the worse part is that they did this with the tax company XXXXXXXX XXXX  but the company was unlawful to accept thrid parties this card is not allowed to reload and they put my taxes on the account and they were stolen by others they have then seen the errors when I reported the dishonor and made me wait still to this day they have not funded my account with a refund im not able to say how much was taken but my taxes and my government funding was taken I have been XXXX because of my money being mishandled by these fraud actors they need to refund me asap because of unlawful acts that is not in their policy none reloadable accounts that were unable to get reloaded by other agents this robbery and violate title 15 1028.and title 15 1681 a findings and truth lending remove any cases against me and allow the agents to refund upon this notice i shall not have to wait on my funds as the company has seen they made big errors with my funds and after reporting the first funds gone they did a illegal transaction with XXXX XXXX and robbed me again

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 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
My interest rate is more than what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: UT

Complaint narrative:
The attached shows a history of the dates being incorrect as they have been for months. The account WAS NOT closed on a dispute date!!!! It also was not the last reported or paid off date of the dispute date! Each dispute you keep changing dates that shouldn't be changed to disputes dates, continually lowering my FICO score and causing me a lot of problems with my other creditors. The account is closed yet you keep showing it " pays as agreed '' which is also lowering my score! I filed a complaint against the CFPB with my Congressman due to their inaction and allowing an employee to steal complaintants info while they had no idea what was happening. You need to address this or risk being sued. The dates you reflect ARE NOT accurate and haven't been for almost a year. If this isn't fixed before I run my report again on XX/XX/16 then you can bet I will sue you! I'm sick of this cat and mouse game with my life!!!! I filed a XXXX XXXX XXXX complaint against the creditor, told them they would be sued too and provided similar info. FIX IT OR DELETE IT!!!!! IT'S THE LAW AND YOU'RE BREAKING IT EVERY DAY IT REMAINS INCORRECT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Theres incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MO

Complaint narrative:
This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 1. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With The Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: MO

Complaint narrative:
This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 1. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With The Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/2023, somebody hacked my Wayfair store account used my store card and made purchases that resulted in deliveries to Georgia and Florida addresses. I als made a police report in regards to these fraudulent charges. I called Wayfair store, notify them of the fraudulent charges and purchases as well as contacting Citi Wayfair card in XXXX disputing all the charges that showed up on my account I received notifications stating that they resolved and removed all the charges. However, I am somehow still trying to be collected upon to charges that were made on XX/XX/2023 one in the amount of XXXX and XXXX totaling {$510.00}. I called Citi back, notified them of the error in which they were supposed to continue their investigation into why it was not resolved and why it was still showing up. However, now I am receiving additional statements stating that my payments are behind for this amount as well as phone calls, stating that I have delinquent payments that are due, and from my understanding, I was not supposed to receive any additional bills, and that this was going to be taken care of. Now this is starting to not only impact my personal life. This is now starting to impact my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.

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 2023-07-17 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-17 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

America Express : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) Capital One Auto Finance : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I bought a home in XX/XX/XXXX and it is currently being serviced by Truist Financial. 

I found out that none of my property taxes had been paid around XX/XX/XXXX and called immediately. They discovered that they had been paying my neighbor 's taxes and " handled '' the problem. I asked for a written explanation of the resolution so that I could understand what was done and verify that I was taken care of properly. I never got the explanation. I called back a few months later and they agreed to send the resolution agaun, but they never did. 

In XX/XX/XXXX, Truist told me that they projected an escrow shortage of - {$1700.00} and that my monthly payments would be increasing by {$200.00}. There was no explanation of why. 

I called again to try understanding where these numbers are coming from. I can explain about {$600.00} of the {$1700.00} shortage as supplemental taxes were paid by Truist, but not the remaining {$1100.00}. It took multiple calls, but they eventually opened another case in XX/XX/XXXX to help me and escalated it. 

On XX/XX/XXXX, I missed the call from a Truist supervisor who was finally going to explain everything. She left a voicemail simply stating that they were originally paying my neighbor 's taxes and that they are now paying the correct parcel number. All of this is information I've had for months and doesn't help me at all. They left no callback number and have made no effort to try calling me again. 

I feel completely helpless in this situation as I have to re-explain my problem every time I call and I have been promised help or follow-up calls that never happen. It's completely unethical to raise a monthly payment without proper explanation, especially when it's directly related to the financial institution 's initial blunder.

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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
this should not be on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: KY

Complaint narrative:
I don't know anything about this debt from security credit service.the location is XXXX XXXX did not receive any money from this company and I did not sign any contract.i want this removed from my credit report.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CT

Complaint narrative:
I lived in the XXXX XXXX XXXX in XXXX Connecticut for a year paid {$700.00} for a security deposit that I did not receive and I saw a report to the credit bureaus that I owe them {$3000.00}. I disputed it with XXXX and XXXX XXXX they deleted it from my account XXXX Still have it when I give them notice that I was leaving. They told me that I had to give them 60 days paid notice I said yes Im living there for 60 days. Of course Im gon na be paying you and I did when I disputed with XXXX they send a letter saying that amount was attached to me because of damages to the apartment, I was oddly ever at the apartment because I worked so much doing car service. I was hardly home I left the apartment, cleaned it from top to bottom even the blinds took pictures and videos and literally got rid of those pictures and videos from out my phone because my XXXX was full, so the statement that they say was damages to the apartment is false I believe is someway for them to try to collect. Im not really sure maybe the 60 days paid notice was them actually wanted extra money for me to give them notice I never heard of that before makes no sense to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: AR

Complaint narrative:
This is my second attempt to inform you that the current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00}.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I visited a Bank of the West BMO ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA on Saturday XX/XX/2023. I entered my Debit Card ( from a different bank ), and the ATM proceeded to reset. It reset 3 times without releasing my personal debit Card. I called the XXXX BMO number that was listed on the ATM for assistance. I was told " BMO can not help you ''. I, therefore contacted the bank via their direct number for the branch. They did not have a voicemail to accept after hours questions or concerns. I checked the branch location site for an email for general questions. There was none. There were no listed email addresses for any of the employees. I left a complaint on the customer service survey and asked for the branch to give me a call. I tried to call again today on Monday and have not received a response ( XXXX ). I waited in 100 degree heat for the ATM to reset and release my card. It shut down after the 3rd reset and did not release the card. I was able to contact my bank and they cancelled the card and will mail a new card, but I am without the ability to get cash in the interim period due to the failure of Bank of the West and their transition to BMO. If the ATM is not able to process the transaction, it should release the card immediately. I would like some confirmation that my card has been received and has been destroyed properly or returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America sent me correspondence, indicating that my TIN number was incorrect for my business savings account. I attempted to call them to receive verification. I was not able to get a clear answer. I asked to speak to a supervisor. Upon being transferred to the supervisor of the employee, the Person indicated that I was not verified. I asked to be asked questions to verify my identity. They refused to do so, and did not address my concern. I stated that it was an IRS issue and I needed confirmation that they had the correct TIN number and that they did not need any more information from me. I spoke to XXXX at XXXX Eastern time on XX/XX/2023 and her supervisor XXXX. Both individuals refused to identify themselves for their refused to give any form of a ID or employee number or last name. 
I repeatedly offerred to answer any and all identifying questions. I also highlighted that this was in fact my XXXX call and that I already spoke with someone but wanted confirmation. 
I explained that the first individual asked me several times the same question and may have either been having a challenge with the phone connection, language or input the information incorrectly as they were repeating to me information such as when I called incorrectly. 
XXXX and XXXX were absolutely atrocious. Absolutely incompetent and with horrible customer service. 
I suggest banking elsewhere. I will be.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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