vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX # XXXX, # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
MY Mortgage was sold to BSI on 1XX/XX/2021. I received a delinquent notice from my City Tax office seeking property tax payment as BSI has not pay the property taxes. I sent the company an email notifying the collection notice and seeking a call back. I received a password protected letter from BSI only stating that this was an attempt to collect a debt rather than paying the taxes that they owe. I am seeking your advice and intervention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
To start off, I am XXXX. I am XXXX, which in America is considered a XXXX. It is XXXXXXXX XXXX. I have tried resolving these problems with Regions Bank many many times, in attempts to get relief from the overdraft fees of well over {$200.00} a month for the last year or more. The majority of the time I have been opted out of overdraft protection. 

As it stands right now, my bank account is- {$820.00}. My paycheck will not be coming to this bank account any longer, as I will not be able to pay rent or anything of the sort if it did. 

With that said, I am currently opted in to overdraft protection, which I did because I needed it this past week. My limit is- {$200.00}. So please have someone explain to me how transactions do not get declined, and at what point they do get declined, or if their abusive practices simply allow it to go that negative due to my direct deposit coming through each month. 

I have gone to the XXXX  in hopes that I receive a refund for the past year of overdraft payments, as many times they have overdrafted me on {$2.00} charges. From the dates XX/XX/2021 to about XX/XX/2021 I was on Social Security XXXX, and that was my only income. 

This entity is financially abusing me and I have no escape from it. It does not matter to me if these charges are bounced- I can manage without them until paydays. What I can't do is handle $ 200+ a month in overdraft fees when I am already living paycheck to paycheck and counting on my elderly mother for food and utilities. 

If this is not abuse, then I will not be using a bank account in America any longer. I want to see more action taken against Regions Bank than them simply sending me a letter in the mail instead of responding to me through the channel that I chose. They didn't even have my address entered correctly. 

This is unacceptable. XXXX XXXX 's bill, the Stop Overdraft Profiteering Act of 2021, has seemed to have an impact as Regions is discontinuing overdraft fees, but Regions still refuses to offer any assistance by refunding the fees or preventing them from continuing. 

It does not cost these banks {$35.00} for a {$2.00} fee! THIS IS LEGAL FRAUD. The economy is crashing and it's America 's banks that are at fault. If nothing is done regarding this case, I am switching solely to Bitcoin. They will not get another penny out of 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 monetary relief
Consumer complaint received 2022-03-15 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: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS

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 2022-03-15 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: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORITNG A 30 DAY XX/XX/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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello My name is XXXX XXXX and chase bank credit card services forcing me to pay {$870.00} which are charges that I did not authorize. I was qualified for XXXX XXXX program and there were some charges that I don't recognize. I reported them as fraud and they are still asking me to make a payment. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AR

Complaint narrative:
XX/XX/2022, XX/XX/2022, XX/XX/2022, - emailed customer service in regards to linking my external bank account. Nothing fixed. 
XXXX account was hacked. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX trying to activate my debit card they have not fixed it I was told to request another card ( XXXX card ). I'm yet to have access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-15 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: GA

Complaint narrative:
XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from XXXX and Transunion

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 2022-03-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746  Unsworn declarationsunder penalty of perjury

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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-15 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: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: MD

Complaint narrative:
I applied for a home loan through a XXXX XXXX approved lender. That's their requirement to use the incentive programs. 
Pre-approval letter from prime lending generated XX/XX/XXXX Offer accepted XX/XX/XXXX appointment set for XXXX on XXXX to go over final options. Loan XXXX calls at XXXX. I call her back and leave message on same day at XXXX after receiving her message. 
Received email request to sign docs loan estimate, disclosures, etc... 
Signed docs same day. We'd already agreed it was conventional loan, interest rate was XXXX I think in that doc. 
Received call from her on Tuesday the following week stating that the interest rate had not been locked, she'd wanted to talk to me about my loan options and the fact that I could not use some XXXX incentive. She'd been clear about me not being qualified for that incentive from the beginning of the process. It does not show up on any docs. Again, verified conventional loan. Interest rate is now XXXX. Not qualified for XXXX, she follows up with an email and contact for the program proving it. The only reason I got this info is because I asked why it was missing on docs she was sending. 
Now we're in the process, I'm seemingly committed, home inspection is already done, closing date is set for the XXXX of next month. Conditions of loan has dramatically changed and I seemingly do not have time to switch to a different lender. 
Initially I was working with a lender that is not certified through XXXX XXXX. 

Changed to this lender : Was told : you can do 3.5 % down rather than 5 % that outside lender was quoting. 
2000 incentive not eligible for additional XXXX incentive because income is too high XXXX program for XXXX. ( lender was aware that I had another property, not first time home buyer ) nterest rate was the same.as with previous lender After signing loan estimate new information : Interest rate has changed because it wasn't locked when you signed loan estimate Not eligible for XXXX Still get XXXX credit Not eligible for 3.5 % down because not eligible for XXXX that I was never eligible for Not eligible for interest rate reduction because not eligible for the XXXX that I was never eligible for There is a const analysis I am attaching. It now does not show the XXXX because it was updated on the XXXX. Initially the XXXX was included on it, the XXXX funding is shown on the loan estimate. It just brings the amount financed to XXXX down to XXXX. This was a part of the intial loan and when it was removed because I didn't qualify I should have been notified. I asked why it was not there and then received a response. 
Also, an email stating that the lender did not think that I was interested in the XXXX or XXXX because they have to be paid back when I sell the home. It didn't make sense to me because XXXX XXXX has these lenders on the website so they can advise you about these programs, and ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
On XX/XX/22, XXXX XXXX advertised that Indigo was a High match that I would receive a credit card. it also said on the promotion that this pre qualification will not affect your credit. I have provided a screen shot of what Indigo 's Website actually says. As I proceeded with the application, it states that this will not affect your credit as I gave my information, I immediately got notification that my credit was ran as a hard pull because I have fraud alert on my credit report. I called during business hours the next day to let them no what happened and I was told I would be given a call back. It is now XX/XX/XXXX. I called yesterday XX/XX/XXXX, to get status and they told me that it will not be removed. I refuse to allow this company to take advantage of my credit by unlawfully running a hard inquires WITHOUT my permission. I want this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
When I opened the checking account with TCF I also opened a savings. I agreed to have {$25.00} automatically transfered from checking to savings every month as a condition to ensure no monthly maintenance fees. I was told to have 15 transactions per month, which I did have every month. Still, my checking was charged {$9.00} a month for at least 17 straight months.

I did not know of these charges because I never saw them online, they didn't show up there. I became aware after TCF merged with Huntington and these charges became available to see online. I was dismayed, and asked Huntington to refund the fees. I was informed that the charges came from TCF, not them, but TCF no longer exists.

My intention was to comply with the rules and there should have never been any monthly fees. I would like all fees taken refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
This account was closed by the credit card XXXX in 2020. They said they were no longer carrying this credit card. They were closing the whole branch for the XXXX XXXX credit card. I made a settlement with them. They agreed to remove off of my credit. I keep disputing it and it keeps coming up on my credit report incorrect information. It is supposed to be totally XXXX was not originally through XXXX. I guess when they closed everybodys account they sold all the accounts to XXXX. Please help. I have be trying to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Information reporting on my credit profile that i am not aware of, and it's report without my authorization which is a violation of privacy

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 2022-03-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

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