vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: SC

Complaint narrative:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Ann Taylor Master Card administered by Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account hacked and closed in XXXX. However, company used this account to renew a magazine subscription ( without my consent on a closed account ) and sent me a bill for {$20.00}. I sent a check for this amount. In the meantime, I had replaced this account with a new one. XXXX XXXX XXXX XXXX XXXX XXXX Comenity used the check for an payment on the new account. This happened again and I called many times to try and correct the mix-up. No one I ever talked to could find the old account number listed first above when I called. I wrote a letter to Comenity to explain all this and they closed the second account also listed above. So once again I tried to pay off this account which by now is accuring late fees and interest. In XXXX, XXXX I sent a check for {$220.00} to pay off the first closed account. ( the second account was paid off with a XXXX balance ). The company put that check amount towards the second closed account which how has a CREDIT balance of {$230.00}!! And I received another bill on the first closed account which is now showing an owed amount over {$300.00}. I receive a bill every month with new interest and late payments. Surely, credit card companies keep track of closed accounts and have access to that information. And they have not returned the {$230.00} that is credited to a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans got transferred from Great Lakes to Nelnet. The way that they are handling the transfer, they are reporting to the credit bureaus that Great Lakes closed the account. Nelnet presumably will be opening a new one. This is reducing the longevity of my credit and until Nelnet opens the account, the balance is gone. My credit score just dropped XXXX  points with XXXX and now it is under 700. This is seriously impacting me because I need to move apartments, but many apartments in my city do not accept applications from people with a credit score of below 700. 

I have reported this directly to the company and will report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
You guys need to step in and get control of these deceptive advertising. I see ads all the time for HELOCs at super low rates that are not even close to being real. I recently saw and advertisement by Lending Tree, where they advertised a HELOC for 6.5 %. There was not approval criteria listed on the ad. I applied, and I am very well qualified with 35 % LTV, very low DTI and XXXX north of XXXX. Well none of that mattered because not a single lender I spoke to has rates anywhere near 6.5 %. all of them are in the 9 % range. You need to eliminate companies like lending tree where they just shotgun your application info to a million lenders. then we have to go through a handful of conversations that take a lot of time, only to find out the rates aren't even close to what is advertised. To me this is deceptive advertising and should be a finable offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
Regarding order # XXXX, Macys refuses to refund me {$240.00} for an item I returned back to them because I originally received an incorrect item ( not what I had ordered ). They claim that the item is fake, however I did not send anything else other than what I had received and since it was not the item I purchased I returned it back.

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 2023-04-14 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: Regional Management Corporation
State: TX

Complaint narrative:
I got a call from Regional Finance on XX/XX/2023 stating that I had cashed a pre-approved check from them on XX/XX/2023. I told them that I have never cashed any check from them or even heard of their company. They told me that the check could have been cashed by someone else and that they would file a complaint with their fraud department so that this wouldnt affect my credit score. I havent gotten any updates from them and have also filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal as been doing whatever they want to with my account for the last few months I have been frozen since XXXX there is over {$50000.00} in my account and I need to access the funds it is a 2 hour wait time to call whenever I try to get someone from security I submitted all the required documents and they still have not reached out its way pass the time frame they give and I need to go to the bank and withdraw my money and they need to remove all restrictions from my account and stop doing this to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXX sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on 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 non-monetary relief
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXX sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have spoken with Procollect and asked them to verify the debt they refused & told me to send them what evidence I had to verify the debt being false. I in return sent a certified mail Debt Verification Letter to the Company ( back in XXXX ) and never received a response which was to be expecting considering the debt they are attempting to collect isn't mine, The Original Debt refuses to send an proof of debt & is no longer in business & all prior management/staff no longer are employed there. So after months & months of being harassed, fraudulent charges and documents forged, monetary amounts unverifiable requested proof & after no response with my Debt Verification Letter this needs to be removed from my credit immediately im the one being hurt and disrespected continuously and consequences need to be brought upon the party involved. This is unacceptable and the business practices of these two companies is illegal and no one should have to be put through this disgusting type of harassment & outlandish accusations.

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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My escrow account shows that on XX/XX/2023 my home insurance was paid in full. However, my insurance company has not received this payment. 

I'm trying to communicate with the mortgage company but their phone number automated answering system does not allow for home owners to talk to a representative. The system keeps stating a payment was made on XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: AR

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ARCHILDSUPPT XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-15 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: AR

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX AV XXXX XXXX, AR XXXX ARCHILDSUPPT XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit card was supposed to be a prepaid credit card with a secure {$300.00} deposit for only 1 yr, " card issue date XX/XX/XXXX and it is now XX/XX/XXXX and this card is still in the prepaid status! i started with suntrust, then bb & t and now truist, " why am i now paying credit card fees and interest on my own {$300.00} " plus i now pay an annual fee and now trusit is saying that the reason why my secure card has not been changed to a unsecure credit card is because i only made the minimum amount payments, { NO TRUE! ] " no payments have never been missed or late since XXXX, '' truist said to me that i can never change to a unsecure if they return my {$300.00} deposit, " so to me i, am forever trapped paying 28 % interest on my own {$300.00} every month plus a {$39.00} annual fee1 thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Truist by phone about canceling my PMI insurance in XX/XX/XXXX. I was told that I can not request the cancellation by phone that I can only cancel it in writing. I proceeded to send a letter in XX/XX/XXXX to cancel my PMI as I am beyond the 20 % required equity. I was sent a letter wrongly denying my request. I again sent a second letter on XX/XX/XXXX that Truist received on XX/XX/XXXX. I waited again the required 30 days for a response. I call on XX/XX/XXXX after never getting a response and was told that they did receive the second letter but they have " dropped the ball '' as I was told. I asked to speak to someone in the PMI department and was told that they do not take phone calls at all. I then asked to speak to a supervisor and was told that I could not do that either. I then asked how to submit for the audio of our recorded conversation and was told that I can not get that once again. They told me to subpoena them. How do I go about getting this handled if I can not contact anyone at Truist and they will not let me talk with anyone who can help? Do I really need to get a lawyer to do a simple PMI cancellation??? 

This is truly unethical and mischievous business practices. Of the tens of thousands of mortgages how many people do they do this too? I bet they make millions off screwing people around like this!

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I own a small XXXX business. After being in business for approximately 5 years Ive decided to take out my first business credit card. Upon taking out my card I did my research and narrowed my selection down to American Express Business Gold Card. They advertise NO SPENDING LIMIT. After the excitement of filing an application I was approved. I was thrilled! Once the card arrived I activated it and I was surprised to be told there is a {$1500.00} spending limit. I spoke with numerous representatives that told me I can upload cash to it to increase the spending limit. But isnt that the same as a prepaid card? WouldnXXXX then I be spending money to increase the limit, then borrowing my own money and paying it back? Each representative said the spending limit would increase over time as I made payments. However my small business does about $ XXXX $ XXXX monthly on marketing expenses, supplies, gas, and maybe car repairs. Needless to say I was XXXX to find out that American Express falsely advertises NO Spending Limit when in actuality there is one. My issue is the false advertising American Express uses to lurer people to go through the process of applying which includes a hard credit check, getting selected, and denied the business funds a small company wants/needs to perform. I also filed a complaint within American Express. The Form number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I rented a dress from XXXX XXXX XXXX. I returned the dress via USPS instead of XXXX. There were no instructions included and it was very unclear. By the time I retrieved the dress back and got it to the XXXX, XXXX XXXX XXXX charged my credit card for the full amount of the dress itself. XXXX XXXX XXXX received the dress back but has never credited my credit card. I put a formal dispute in with my credit card company and am still waiting on their results of investigation. I have called them numerous times and emailed, with no avail. I placed the rental order on XX/XX/2022. I rented the dress XX/XX/XXXX. They received the dress back and it is in their possession. The credit card that it was billed on is XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. I was billed by XXXX for {$1200.00} on XX/XX/2022 and a late fee on top of this for {$53.00} on XX/XX/2022. I blame my credit card for not dealing with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: IN

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

Account Name : XXXX XXXXXXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of ED/ XXXX XXXX XXXX Account Name : XXXX 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 an 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 2023-04-14 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: IN

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

Account Name : XXXX XXXXXXXX XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of ED/ XXXX XXXX XXXX Account Name : 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 an 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