vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have been adjudicated Incapacitated/incompetent since 2015 and done have the legal capacity or authority to sign any contract or sign into any agreement, and if by chance one was it would be void. Ive given XXXX XXXX all these proofs and documents many times but they refuse to follow proper laws and remove this injustice from my credit file. My next step would be to file a complaint and action with the states attorney general office for damages.

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 2022-05-04 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:
5 years of requests and XXXX XXXX XXXX XXXX ( XXXX ) just labeled the latest CFPB complaint # XXXX as duplicate. They have never supplied the permissible permission to have accessed my credit report in XX/XX/2017 as I have requested for more than 5 years. Experian has just played the paper game for 5 years by saying they are investigating by sending complaint to XXXX. This is shameful and surely these can not be American Companies.

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 2022-05-04 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: VA

Complaint narrative:
XXXX XXXX XXXXt Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681

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 2022-05-04 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: VA

Complaint narrative:
XXXX XXXX XXXX Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681

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 2022-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
I allowed Carrington Mortage 's loan officer XXXX XXXX pull my three credit reports ( XXXX, XXXX, XXXX ) and I was told I met the credit requirements and I can put in an application for a USDA loan. XXXX XXXX lied to me stating that he took my application. He called asking for my personal information to input an online mortgage application. I had to get off the phone and said I would call him back to finish the application. I called him back the next day and he said I was denied. We never completed the application over the phone nor did I complete an application online. I never reviewed what he typed into the computer or if he typed anything into a computer. I never signed an application to submit for the mortgage loan with my personal and income information. I never received a denial letter stating I was denied, just told over the phone that I was denied. 

XXXX XXXX accidentally left a message on my phone stating that his boss, XXXX XXXX, told him to never submit the loan application and quote " get rid of her ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My previous insurance carrier exited the XXXX XXXXt. There was a 9 day stub period between insurance renewals. The stub period was out of my control. The insurance agency was unable to bind a policy timely due to the timing of notification. Florida statutes allow only 30 calendar days of non-renewal notice during the XXXX and XXXX XXXX holiday. The main XXXX policy was paid out of pocket effective XX/XX/XXXX for {$4200.00} XXXX I was charged {$260.00} for the stub period between the XXXX term and the XXXX renewal by Truist for a stub policy. Truist refused to allow me to pay the {$260.00} and has sat as an " escrow '' deficit since XXXX of XXXX. 

Suntrust refused to allow me to pay the {$260.00} directly for the 9 day gap.. Suntrust did not notify me during their evaluation process until whatever process they have concluded. Suntrust unilaterally established an escrow because of the {$260.00} deficit they refused to allow me to pay. 

Their reasoning is that because I had an escrow deficit, I must now establish an escrow. The conditions they forced upon me are because of their own actions. This is a contradiction and illogical.

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 2022-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/2022, I contacted Synchrony Bank and PA State Attorney General 's Office regarding the Adverse Action Synchrony Bank had taken against me by closing various accounts and/or lowering my credit limits, drastically. I informed Synchrony Bank of the damages they caused me by taking these actions and also gave them the opportunity to fix this issue prior to me filing a claim in Federal Court, as they have grossly violated my Federal Rights. A few weeks afterward, Synchrony Bank contacted me and refused to reopen my accounts. In their letter the stated, they are able to pull my credit whenever they want. I responded to them asking where was this information, and I also know that it is a direct federal violation to pull my credit without my consent. I also know that XXXX is in violation of Federal Law if they offer any updated information to a financial institution without my consent or request. 

On XX/XX/2022, I received an email from Synchrony Bank, that in a retaliatory action, they closed another one of my accounts. In the letter, they made mention of a credit score provided to them from XXXX. This was fraudulently done because I did not request my information be provided to them, nor did I authorize XXXX to release this information, nor did I authorize Synchrony Bank to pull my credit. In addition to, the term " credit score '' does not appear in any US Code or Statue, making this a fraudulently made up term on top of the fraudulent, unauthorized use of my social security number. Both parties were complicit in the fraud and discrimination against me, violating numerous rights outlined in the FCRA, CFR, EOC, Public Law, the Consumer Credit Protection Act and so much more. 

Synchrony Bank has a pattern of reviews related to fraudulent activity and consumer abuse. And XXXX also has a history of publishing unauthorized consumer reports.

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 2022-05-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE XXXX XXXX XX/XX/2022 WHICH WAS PLACED TODAY XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MO

Complaint narrative:
So I sent a letter Dated XX/XX/2021 tracking number # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy. Also according to 15 USC 6802 No financial institution is not suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
XXXX have these accounts flagged numerous time in my credit file as late. These account have never been 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 2022-05-04 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: TX

Complaint narrative:
XXXX have these accounts flagged numerous time in my credit file as late. These account have never been 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
I applied for a new loan through Rocket Mortgage and uploaded a lot of personal financial information to their website. I experienced difficulty working with the lender, including a non-responsive mortgage point of contact and unwanted solicitations, and decided to work with another lender instead. I contacted Rocket Mortgage to delete data, including my bank account statements, W2s, and other personal information, from my account and they refused. This is a completely unacceptable response and gross abuse of consumer privacy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NC

Complaint narrative:
The consumer reporting agencies Experian, XXXX, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.

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 2022-05-04 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: TX

Complaint narrative:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

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 2022-05-04 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: TX

Complaint narrative:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

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 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
We received notice in XX/XX/XXXX that our XXXX  XXXX XXXX was being sold to Marcus by Goldman Sachs effective XX/XX/XXXX. We had been XXXX XXXX cardholders since XXXX, and believe that the reason our card was sold was that we never accrued a bit of interest during those 30+ years. We do not want to do online banking and demand a paper statement monthly. XXXX sent us instructions on how to register for the new card. After completing steps 1 and 2, they offered a tab that read " We do paper statements ''. After I clicked on this tab, I discovered that the only option they were offering was online payment of our balance. To continue, they demanded that I enter an account number to be used to pay our monthly balance. They refused to pick up on the customer service number they provided unless we entered an account number, so I abandoned the enrollment process after trying 3 more times to use the customer service number. We sent a check for {$450.00}, our check number XXXX, to XXXX XXXX dated XX/XX/XXXX and XXXX XXXX subsequently cashed it in payment for our final balance with them. An officer at our bank told us that this balance had been transferred in its entirety to XXXX, and that according to out records, we still owed it. Since then we have received numerous emails that our XXXX balance was past due and to complete our enrollment by entering an account number, and then paying a minimum payment of {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I recently closed a CD prior to maturity. On XX/XX/2022, the net amount of {$25000.00} was transferred to my savings account. I've asked for a reconciliation of the amount transferred and my request ( via both phone and message ) has thus far been ignored. More specifically, I've asked the following : Can I get a reconciliation of how this CD closure net amount was computed? 

Beginning Balance + Accrued Interest - Penalty Interest = Ending Balance {$25000.00} + Accrued Interest - Penalty Interest = {$25000.00} Accrued Interest =??? 
Penalty Interest =??? 

Is anyone there???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE XXXX XXXX XX/XX/2022 WHICH WAS PLACED TODAY XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A Capitol one credit card was opened in my name by identity thieves in XX/XX/XXXX. At the same time several other fraudulent cards were opened in my name at XXXX XXXX and XXXX XXXX. This occurred because my personal info including social security number was leaked as part of a data breach. 

I became aware of the fraudulent cards in XX/XX/XXXX and reported them to all three banks, as well as opening a report on identitytheft.gov, filing a police report, and freezing my account with the credit agencies. 

To this day one year later Capitol One has failed to adequately investigate and resolve my dispute. Their security practices are dangerously inadequate and pose a serious risk to all consumers. They allowed a credit card to be opened on the basis of an incorrect phone number which has now been removed from all of my credit reports and a pre-approved credit card offer they sent me that someone had dug out of the trash. 

Despite the phone number being removed from all three credit reports, they refuse to remove the account. 

I have initiated 2 investigations with Capitol One, and in both cases they have failed to come to the correct conclusion that other banks were able to reach within days. I have spent dozens of hours of my time trying to get them to resolve this card, which is ruining my credit score and preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
Capital One has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital One before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital One to furnish any late payments to my consumer report. It is my belief that due to Capital One 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  acount # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with explanation