vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 XXXX XXXX XXXX XXXXXXXX 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 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 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Home Depot Credit Card is seldom used. A charge appeared and I questioned the charge but after numerous telephone calls and even several in person visits to the store, I was unable to obtain any information. I did pay the {$50.00} charge only to find interest charges accumulating thereafter and daily. Furthermore they continue to accumulate The telephone numbers provided on the Home Depot website as well as that on the back of the card include the following : ( XXXX XXXX, XXXX XXXX, and XXXX ). but provide only recorded responses which relate to correct balance or help with orders, none of which apply to this issue. 

After extended wait times on each of the many attempted telephonic contacts, I eventually spoke with a person located in XXXX only to be transferred to a rewards program, then after yet another transfer, the call was terminated at the other end. Every call involved lengthy wait times and none any actual communication. 

Additionally, I attempted to contact them via email ... .also to no avail. They conveniently hide behind listed contacts that are not valid for they always lead back to account balance or order status that are provided with artificial intelligence programs. 

This has been going on for almost 90 days. Meanwhile, the credit card company, Citibank N.A. continues to apply additional interest which is compounded and has even marred my personal credit. 

Thank you for your help with this very frustrating issue.

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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My home had damage from Hurricane Irma in XX/XX/XXXX. We filed a Wind damage claim with our insurance company in XXXX, within the 3 year window. After almost XXXX years of fighting with XXXX XXXX XXXX XXXX, and going to court settlement, we finally were granted a settlement, with the help of our Roof Contractor, and Public Adjuster we hired during the process. Nationstar Mortgage LLC, DBA Mr. Cooper, is our current lender and we needed them to endorse the check that came from the settlement, so we can start on our roof replacement repair. The check was sent to our lender for endorsement in XX/XX/XXXX. After several weeks of no response or seeing a copy of the endorsed check, it turns out that our lender, Mr. Cooper, lost the check. Our legal counsel had to have the opposing counsel request another check to be cut. After 3 months, a new check was sent out again, for all parties to endorse, in XXXX, XXXX. Then on XXXX, Hurrican Ian hit our home, here in XXXX XXXX, FL, and our home sustained even more damage, and yet we still never got our roof replaced/repaired from a Hurricane that hit in XXXX. Our lender, Mr. Cooper, sent us the check back, not endorsed, stating that the Public Adjuster we hired, couldn't be named on the check, and a new check would need to be cut without their name on it. They state that this is a FNMA rule. We explained to them that the court ordered the check to be cut this way, and a new check couldn't be cut without the Public Adjuster on it. Meanwhile this is all going on, several weeks keep passing, and my roof is still damaged from 2 hurricanes, and my lender is not helping us out, the customer. We are beyond frustrated and exhausted, and feel that our lender doesn't have our best interest in mind, to facilitate and work with us, to endorse the check, so we can actually get our roof repaired. We have XXXX children, several with XXXXXXXX XXXX XXXX XXXX and our lender is at fault for not endorsing the check, so we can make our home healthy and whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XX/XX/2022, I reached out about a payment. I erroneously put funds in the wrong account and the payment resulted in insufficient funds. As soon as I realized the problem, I contacted TD Bank. I was told the payment was processed and there were no issues. To prevent further issues, I paid off the accounts. I then began to receive letters stating the insufficient funds issue which I was told was not an issue. I called back and was told the letter are delayed so the were sent after the insufficient funds issue, but before I paid off the balance. I did not receive anything indicating there was an adjustment to my credit limit. Fast forward to this week, I get an email indicating a {$310.00} credit limit when my limit was between {$8000.00} & {$12000.00}. How is it that one discrepancy in my 11 year payment history warrants such a dramatic decrease in my credit limit? I have NEVER missed a payment in the time that Ive had and used this card. I reached out prior to their system even knowing there was an issue and offered to make the payment over the phone. I was told I it was processed. Now Im being told that I had to call in XXXX about the credit limit issue but I wouldve only known about it if I logged on to the online portal which I did not have a need to do because the balance was paid off. No written notification yet this reduction because I made one mistake and was proactive in rectifying it and the customer service is no help. What are people who care about their credit scores and debt to credit ratio when they are operating in such a negative fashion. Ive never had a credit card in my 20 years of having credit that engaged in such harsh retribution for an error that was easily rectifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I applied for a refi loan at Flagstar Bank. I was supposed to get a 2.99 % rate that i locked in at, well the banking loan officers couldnt get it done in the time period they promised us they could. So we had to take the next best rate at the time. Which was 3.24 % Some how after the rate increase we were able to close on the loan no problems. Flagstar Bank insisted we have our morgage payments come out of a account with them on a automatic basis. So we opened a account for that purpose. 3 times out of six they didnt take the payment money from our account and insisted there was not enough money in the account to make the payment. Later we found out that the newly hired tellers were depositing our home payment money with a longer than normal hold on the deposit. Then our home taxes went up. Which increased our home payment. Flagstar failed at attempting to let us know of that change. So the latest attempt on paying our monthly home payment failed again. Also with no notice from Flagstar. So when i noticed the money still in the account, I went to the branch to find out what the problem was. That same day i added money to the account to make things right. And was assured things will be fine from here on out. Today i took another check up to pay the increase on my home taxes only to find out that Flagstar didnt accept my home payment again. after just addressing the issue at the branch 10 days prior. As they keep blaming us for all the flaws in there system. All the while incurring late fees that we did not deserve. And now they expect us to pay our mortgage with a certified Cashiers Check for the next 6 - 8 months as if it were our fault that their inexperience help couldnt do their job correctly. Flagstar totally dropped the ball from the begining and has done a horrible job ever since and will not even try to make it right with us as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have an Ulta XXXX through Comenity Bank that has no been updated through the credit bureau since XX/XX/2022. The account is paid off, but my credit report is still showing a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a credit card with Bank of America. When I signed on today ( XX/XX/2022 ) I saw a checking account had been added on XX/XX/2022. After XXXX hours on hold and several transfers I finally was able to talk them into closing the account. They haven't closed the account yet, but I do expect them to follow through and remove it soon. 

The issue here is that I believe someone internal to Bank of America accessed my personal protected information and used it to open the account in my name to meet some account opening metric. This is not unheard in the mega-banking realms. XXXX XXXX and US Bank have both previously been caught in this practice and I believe the same this is happening at Bank of America. 

The specific checking account I was signed up for is the Advanced Safe Balance Banking checking account. This account comes with a $ XXXX fee and a {$25.00} minimum balance to open the account. The account was opened with a {$0.00} balance and had I not caught this I would have started to accrue overdraft fees as a result. 

The representatives I spoke with from Bank of America repeatedly insisted that I or someone pretending to be me had applied for the account online. However, I have multifactor authentication on my account and the account sign-in history available from their own website shows no logins for my account between XX/XX/2022 and XX/XX/2022, which to me indicates that this was not a malicious 3rd party but an internal employee at Bank of America XXXX 

The internal breach of my personal information is the main issue here. I no longer feel comfortable with Bank of America having access to any of my personal information.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX  XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXX XXXX to let my credit continue to be negatively affected.

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: HI

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Unable to talk to anyone at Experian. 
XXXX XXXX  just results in going into a loop with no options to talk to a person. 
They show that I owe {$510.00} dollars to XXXX XXXX XXXX Acct # XXXX I have a Bank Statement for the Month of XX/XX/2021 that shows I paid them {$520.00}. 
I think there may have been {$10.00} interest or some other extra charge.

I expect that the {$510.00} is probably showing on the other two credit reporting agencies as well.

Credit agencies seem to be making it impossible to talk to them, and when there is a problem like this that hurts ones credit in an unfair way, there ought to be a way to correct it without a major hassle. Isn't it time for the Credit agencies be shaken up and made to SERVE the Public rather than screw everyone over??!!

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 2022-11-17 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:
I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. Equifax agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX Equifax violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
National started calling me at work, although I was promptly communicating with the company about unexpected financial problems. I told the company NOT to call me at work. The company apologized and stated it would not happen again. Today, it called me again at my place of employment. This is NOT acceptable. 
The first instance occurred on XXXX XX/XX/2022. 
The second instance occurred today, XXXX XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX  with Capital one 360 that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX  but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My wife and I are both XXXX veterans and I am still active with the XXXX XXXX. What the people at XXXX have done to us is abhorrent. All the people at that company have done to us over the years is lie and take advantage of us. We haev written a letter outlining all of our issues and are happy to provide whatever we can to make this right and cancel out our entire ownership.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation