vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX location with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.

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 2022-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
My mortgage was sold to BSI Financial midXXXX. I had been on a Covid19 forbearance at the time that it was sold to BSI Financial. BSI Financial then offered me a modification that I agreed to, filled out and signed the paperwork and mailed it back to them. Since then I have been calling 2 main contacts, 1 supervisor and their HR dept multiple times a day and leaving messages. I have not received any communication of any sort back from them. I do not know what the status of my mortgage currently is. I have also received a pre-default notice in the time that I have been trying to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have had a security freeze since 2018. I had a temporary lift for a few days. 

I wanted to confirm that my security freeze is back on. I have not been able to confirm via the menu prompts, as it only asks you if you want to add a freeze or do a temporary lift, it does not give you an option to confirm your freeze is in place. 

I have not been able to get through to a real person in order to obtain the info I need.

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NC

Complaint narrative:
Good afternoon, In XX/XX/2022, I signed up for a US Bank " cash back deal '' that was sent to me through an email. The cash back deal stated that if I made a purchase of {$100.00} or more from XXXX XXXX XXXX, that I would receive {$35.00} cash back. 
I made the required purchase on XX/XX/2022 for {$100.00}. I never received the cash back, even after contacting US Bank twice. I believe this is an Unfair and Deceptive practice by US Bank to not follow through on their offers.

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 2022-04-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-04-25 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Suntrust Account was converted to a TRUIST bank account a few weeks ago. After Truist took over customer service has been terrible. Recently I was incorrectly charged by a merchant but I can not contact TRUIST bank to dispute this charge. No email address to contact them, no " Chat '' function, and the XXXX XXXX number on the card or on the web site is not answered. At Truist the lights may be on but no one is home! 

complaint XX/XX/2022 Merchant : XXXX XXXX  XXXX XXXX {$26.00} charged twice but I paid cash when the card reader wouldn't work. 

This is no way for a " Major Bank '' to behave. Literally zero customer service/support. I want my Suntrust Bank back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX  then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX  serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have an Arhaus credit card. The due date is the XXXX of every month. And the automatic payment can ONLY be set on the XXXX of every month. So I made a payment on XX/XX/2022 ( which is a Sunday ), Arhaus claims that my payment was made on XX/XX/2022 ( which is a Monday ) and then charged me a {$40.00} late fee. 

I am attaching a screenshot showing that the payment was made on XX/XX/2022 and the decision to impose the late fee was made on XX/XX/2022 ( although it was posted on XX/XX/2022 ). 

I talked to customer service several times, one associate said she will remove the {$40.00} fee but then she never did. I called back, and another associate said that fee can not be removed, still citing the reason that I made my payment on XXXX. 

I tried to use the online message portal and my message got denied every time. And the associate asked me to send a USPS mail to them and explain the situation. I think it is their tactic to deter people from reporting these unethical late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
I contacted New American Funding for a customized rate quote and decided it wasn't in my best interest to pursue a refinance, then scheduled a call the next evening to discuss this with an agent. Since then I have been hounded by agents from their company calling 4+ times during the work day for the past two days, despite insisting they stop attempting to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

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 2022-04-25 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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

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 2022-04-25 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: AZ

Complaint narrative:
I was checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 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 2022-04-25 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 report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I have a XXXX account for my daughter, that she used to use when she was XXXX XXXX XXXX XXXX. She has not used the account for the last five years as she does not work anymore. I am trying to close the account numerous time and bankers at the branch of XXXX, XXXX as well as, XXXX XXXX, XXXX XXXX  are refusing to close it with excuses that they are simply busy. I was at Chase, XXXX XXXX, XXXX XXXX on XXXX XX/XX/XXXX at XXXX and met with the banker who told me to come today on XXXX XX/XX/XXXX no later than XXXX. I came there at XXXX and was told to come the next day as he is booked. I clearly stated to them of XXXX that I just need to close the account, and I do work full time and I can only be there after work. They disregarded everything and made me leave. Please help, it is unfortunate that I have to complain in order to have my daughters XXXX account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My account was submitted for collections, I called collections company to have this issue resolved, while being XXXX XXXX XXXX XXXX XXXX. I paid the balance in full & the company said they can delete item from my credit fully, once they receive payment, so I proceeded & paid everything, no problem, They took the money & emailed me a receipt. Then I asked what about the deletion letter to all bureaus as promised, they are refusing to answer my question or calls & Now they are not honoring what was promised. I have never been late with this company ever. Just unfortunately was on a XXXX, where I couldnt receive my mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
When I go online to see my recent CITI CARD statement ( at their website ) I get this message : " We couldnt find any recent statements for this account. You wont see statements for periods when there wasnt any account activity. '' This in spite of the fact that I received this email from CITI : " Your statement is available online - make or schedule your payment now. '' Customer service both online & by phone has been no help in resolving issue. I'm still unable to review my statement and yet they expect me to pay my bill without checking the charges first.

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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 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 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 2022-04-25 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 report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 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 2022-04-25 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: FL

Complaint narrative:
N Accordance with the fair credit reporting act 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 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