vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I called the mortgage company LOANCARE to remove PMI, they sent me a letter. The letter indicates that in order to remove PMI i need to order appraisal or BPO, so I called them and I chose BPO because it was cheaper and I paid the amount of {$100.00} over the phone. 


Then I received from XXXX XXXX Escrow PMI Specialist II an email she says, to move forward you need to pay another {$45.00} eventhough I asked about that, she never give an explanation. 

I don't think it's fair and professional to ask another amount after it's paid according to the letter.

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 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/23 - Receive later from BoA that they are closing an account I was never aware existed and that they will be reporting the account which will impact my credit score. I call BoA and report the fraud and they mail me a fraud claim form. 

XX/XX/23 - I call number listed on fraud claim form ( XXXX ) and request an email address to send form. They provide me with an email and I send claim form and requested documents the same day. 

XX/XX/23 - Submit complaint to BoA because they have still not resolved the fraud issue despite me submitting claim form and requested documents. 

XX/XX/23 - Get response from XXXX XXXX at BoA asking me to contact them about complaint. 

XX/XX/23 - Call BoA, sent right to voicemail. Leave message asking them to contact me about fraud claim. 

XX/XX/23 - Get call back from BoA asking me to resubmit documents because XXXX is going on vacation next week and needs them right away to close the matter. I resend claim form and requested documents immediately upon ending phone call. 

XX/XX/23 - Receive email from BoA that account that is still under complaint is overdrawn and they are going to destroy my credit and still hold me liable for the overdrawn balance in an account I didn't authorize to set up or authorize a single transaction that took place. I send email to XXXX XXXX at BoA explaining the situation and requesting a little more urgency be placed on my case. 

XX/XX/23 - Receive another threatening email from BoA that if my account isn't fixed in 20 days my credit will be damaged and I will be liable for amount due. Still have not received any response from XXXX XXXX at Bank of America despite sending documents XXXX and a half weeks ago and sending follow up about the urgency. Call XXXX and leave voicemail to please, please make this urgent so I don't need to waste more time on this if it impacts my credit. I am getting XXXX responsiveness from the bank.

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 2023-08-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
HARD INQUIRIE ( S ) DELETION LETTER OF IDENTITY THEFT & FRAUD Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I have sent you another dispute month 's before. If you do not delete these fraudulent hard inquiries I will sue you for defamation of character. I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX  delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
On XX/XX/2023 I started a mortgage application with Rocket Mortgage LLC. A representative named XXXX XXXX from their company contacted me and asked me some questions. The representative asked to do a hard inquiry on my credit and I responded by explicitly telling her that I did not consent to that action. Shortly after our interaction I recieved a notification from a credit monitoring app that my credit score had decreased because of an unauthorized hard inquiring made by Rocket Mortgage LLC. I would like to file a complaint against this company regarding the illegal action taken, which has adversely effected my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Received a promotional offer that stated if I opened a new account and deposited at least {$1500.00} into the account, I would earn {$400.00} for this account opening. 
Promo code : XXXX On XX/XX/2023, I opened an account online. A few days later, I received a letter in the mail dated XX/XX/2023 ( day after I opened the account ) stating they closed my account. I called the main customer service line asking why the account was closed. The customer service representative stated that I needed to go to a branch location to show my ID for verification and the account will be re-opened. 

I went to a branch location on XX/XX/2023, but unfortunately, a banker was not available to assist me. 

I went to the branch location again on XX/XX/2023 and the banker pulled up my information and verified my ID but stated that he could not reopen the account but he could set me up with a " new '' account. I was confused at this time why he couldn't reopen but allowed him to set me up with another " new '' account. I made a deposit of {$1500.00} on this day. I asked about the promotional offer and he stated that he placed the offer code on the account opening. 

On XX/XX/XXXX, I received an email from Truist stating : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' On XX/XX/XXXX, I called the customer service department and was transferred several times before an individual was able to explain to me that the original account I opened online was deemed the " NEW '' account and the second one I opened in the branch did not qualify because it wasn't a " NEW '' account. The customer service representative mentioned that she sent my information for an exception but still haven't received the promotional offer nor a status update.

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 2023-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I dropped off my XXXX XXXXXXXX XXXX XXXX for warranty work on the rear windshield. There was a crack on the inside of the vehicle near the heating element. A previous spokesperson had said that the crack was not caused by impact and would be covered under warranty. I also had a 2nd opinion by a professional car company in XXXX. I was then charged without my permission by XXXX for the repair. The amount was XXXX. I disputed this with my credit card company and they refused to cooperate with me. I send all the information they requested and they will not communicate with XXXX. The vehicle was left incomplete and with my car has missing parts in the rear dash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo approved provisional credit because cash app closed my account with out my knowledge I transferred my social security payment because my wells Fargo cards do not work and they won't fix it the transaction went through but I can not access my account when I sign into cash app it stated your account has been closed and returns me to lo g in I reached out to cash app the say the funds are not there I filed a claim with Wells Fargo and they provide credit now they reversed and my account is negative but I never had any access to the original ssi payment

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 2023-08-15 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a victim of identity theft I have about XXXX inquiries that I don't recognize on my credit reports. XXXX or XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/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 a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: TX

Complaint narrative:
I never received any type of information about the debt on my credit nor do I have any idea of what the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted the retailer via email on XX/XX/2023 ( see attached email ) requesting a paid in full invoice for a generator installation at my home. The retailer responded back the same day that as soon as they see the funds deposited we will get the receipt out to you. I am a bit perplexed as Synchrony processed a purchase on XX/XX/2023 for {$7500.00} for merchant XXXX XXXX XXXX on Synchrony Home card ending in XXXX. Also, a purchase of {$5000.00} was processed with the same merchant on XX/XX/2023 to XXXX card ending in XXXX. I would like to receive a paid in full invoice from the merchant for my records. Please advise me when the above mentioned purchase amounts will be sent to the merchant.

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 2023-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have a car financed by US auto sales. They transferred over my car to Westlake portfolio management. When I initially got the car it says with the warranty and XXXX it would be XXXX XXXX. Since theyve transferred the loan, the payments Ive made for over a year and a half are nowhere to be found. They are saying I still owe the amount from when I initially got the car. They also are still charging me for XXXX and extended warranty however, it is not showing up that I have any on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
Up until COVID, I was always on time with my mortgage. Once Covid hit, I got behind and they allowed me to do forbearance, not knowing it would for XXXX : take away my ability to pay online, making it harder to pay since I could only do it by phone and they wouldn't let me set up reoccuring payments by phone, and none of my banks have their information to sent it directly to them so I could set up auto pay. XXXX : End up hurting my credit the way it did. 

They also had a company come out and redo my loan for me, at my house and didn't give me much information to go on. 

After signing the paperwork, I thought everything was good with my current mortgage company, but apparently not, and I am now in foreclosure proceedings, with an auction date of XX/XX/2023. 

There is also a check for approximately {$450.00} out there that was sent back to me for a partial payment. I have not cashed it, have asked about it and no one has given me any information on it. I also filed this with a dispute in the amount owed to the mortgage companies attorneys, email sent XX/XX/2023 that was supposed to stop all proceedings until this was investigated, I have not heard a reply from them pertaining to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 I contacted Bank of America to report fraudulent use of my debit card with a consumer ( XXXX ). I was able to stop another transaction that was made fraudulently, however I was not able to stop the transaction in the amount of XXXX. 

Bank of America sent me a new debit card and I was given a temporary deposit of the money stolen. 

On XX/XX/XXXX we received a letter in the mail stating that our claim had been denied and that they would be taking the money back out of our account. Bank of America did just that and left my account negative on XX/XX/XXXX. 

Now, I feel as if my own Bank is stealing money from me and failed to protect my identity as well.

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 2023-08-15 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XXXX i dispute a collection account with experian that was on my credit report i told them the account was not mine yesterday XX/XX/XXXX i found out they had someone elses credit report mix with mine they could clearly see XXXX different names and XXXX different ss numbers but they kept it on my report i was denied a loan a i am completely devastated by this they said they would fix it but my score still remains XXXX points lower then the other to reporting companies they said that was what my score would be this is not fair i have worked hard at my credit they should not be able to do this they refuse to take off hard inquiries that i did not give permission to run either please help

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