vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 Citi Bank Randomly Lowered my Credit Limit on My credit card with them from {$10000.00} to {$300.00}. I never missed a payment with Citi and I have had the card for years and I have a good credit score. I fear I am being bullied by the Big Bank of Citi and I fear liquidity issues with the bank being the reason for the pro-active lower credit limit. This is an INSANE DECREASE. 

I have multiple credit cards with CITI. My citi credit card ending in XXXX lowered to {$5900.00} from {$9300.00} On XX/XX/2023. I requested in writing to restore my limit and they refused. 

These credit limit decreases has caused me decline transactions, hardship, grief and pain and negatively impacted my credit report. Also the Bank cites them periodically checking my credit report and cites things on my credit report but I never authorized them to randomly pull my credit report and I think they are in violation of law by pulling my credit report without my permission. 

I think this is atrocious what Citi is doing to me and I think they need to be fined and they need to restore my credit limits. I have been a customer of Citi for 9 years and havent missed a payment. I think they are a disgrace for what they have been doing to me. 

Citi reasoning on the letter is " Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines but many of my credit cards with other banks are fully paid off so this is a lie. I think this bank is having liquidity issues or they wouldnt be doing this.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I believe my federal student loan servicer, Mohela, is mishandling my request to change my repayment plan. 

I contacted Mohela on XX/XX/XXXX to have my loan repayment plan changed from the default standard-repayment option, to the Extended Graduate Repayment plan. Since XXXX XXXX, I have called Mohela 7 times, which on average each wait hold time takes 4 hours for each call ( which mind you has to be done during my work day ). Thirty business days from my original request would have been XX/XX/XXXX. 45 days would have been ~XXXX  XXXX. 

We are now THREE months out from me requesting a repayment plan that, per the federal government, I am allowed to change to. But every time I interact with a person/supervisor at Mohela Im told , Mohela is running a bit behind. And on multiple occasions Ive been pushed to go into forbearance even though I have repeatedly said I do not want to pursue that option. How is a federal loan servicer 's unpreparedness now the burden of the borrower? 

I have talked with five different Mohela supervisors between XX/XX/XXXX and XX/XX/XXXX. Each one of them said they expedited the process to request my repayment plan change. One said this will be done end of business day today, I promise. That was the first week of XXXX. One said she would call me with an update she never did. One said, I can guarantee your XXXX bill will reflect your new payment plan. It didn't. Additionally, I have requested from three of these supervisors all the notes Mohela has on my account including call logs ( not transcripts ) be sent to my account. Each said they would, and yet I still havent seen these either. As I told the multiple supervisors, I want in writing an acknowledgement of the day I made my original request ( which had to be done over the phone ). 

As of XX/XX/XXXX, my request to change my repayment plan still has not gone through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Approximately XX/XX/2023 I applied for a JetBlue Mastercard on a promotion to earn XXXXJetblue points. I applied through Barclays on-line and received an automatic response that they could not immediately approve and additional review was required. Within a week, I received a letter from Barclays indicating that they were unable to approve my application due to one of the following reasons : Our records show that you already have or had the maximum allowable number of products with us. I do not have any Barclays products, according to my cbr I've never had any Barclays products. However, I do have products with XXXX XXXX. I believe that I have been unfairly denied credit with Barclays and the explanation provided seemed was intentionally broad in nature to potential deny consumers credit based on reasons other than credit score or credit history. I do not have any negative marks on my credit, my debt to income ratio is moderate, and my credit score is good. I believe this is a case of potential discrimination and unfair practices. Barclays did not extend an opportunity to obtain additional explanation for the denial and only provided an XXXX XXXX XXXX for questions. The application number is 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/2023, I received a letter from XXXX XXXX, informing me that my mortgage had been acquired by Mr. Cooper. The letter further instructed me to visit the Mr. Cooper website to create an account for making mortgage payments. However, when I called Mr. Cooper, I was advised that the transfer would not be finalized until XX/XX/XXXX, at which point I could create an account on their website. 

On XX/XX/XXXX, I visited the Mr. Cooper website with the hope that the transfer had been completed. To my surprise, I discovered that the Mr. Cooper website had been temporarily shut down due to a cybersecurity incident on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the Mr. Cooper website remains inaccessible, and there is a lack of information, particularly for individuals like myself who have not yet been able to create an account. I am unable to access any information related to my mortgage, including the status of the escrow account meant to cover property taxes and insurance. Regrettably, I currently have no access to this crucial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
cfpb, XXXX, Transunion, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
cfpb, Equifax, XXXX, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. 
As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. 
Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. 
Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.

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 2023-11-08 00:00:00
Product: Credit reporting 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:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. 
As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. 
Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. 
Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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:
Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??

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 2023-11-08 00:00:00
Product: Credit reporting 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:
Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-08 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or TransUnion to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per XXXX XXXX XXXX XXXX! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per XXXX XXXX XXXX XXXX - Aggravated identity theft.

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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: NY

Complaint narrative:
Dear CFPB, I am writing to file another complaint related to a previous one filed against EAST WEST Bank, with the reference number XXXX. 

EAST WEST BANK closed my previous complaint without providing a valid solution or addressing my request or concern. 

I kindly request your assistance in ensuring they comply with the necessary regulations. Thank you.

Company response to consumer: Closed with explanation