vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress XXXX 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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, I had experienced a loss of income and got behind on my mortgage with 5/3 Bank. I applied for hardship assistance with them. I was instructed to make three monthly trial payments for XXXX, XXXX and XXXX, which I did. I was told that once I successfully completed the trial period, I would be approved for a modification and sent the documents to sign. When it came time to make my XXXX payment, I still had not received the documents. I called 5/3 Bank to find out the status. They told me to continue paying the trial payment amount until I received the documents, which I did. I finally received the documents in late XXXX. We signed them and sent them back. Our packaged was received and signed for by 5/3 Bank on XX/XX/XXXX. We have since made every payment under the new modification. It has been over three months and they have not updated my account correctly. They were even charging my account for property inspection fees after they had received my signed modification agreement. They are still saying we have a past due balance and we do not. My account should be current under the modification. Every time I call there, I get the run-around and nobody seems to know what is going on or is able to give me accurate information. Whenever I ask them for receipts or confirmations, they say they aren't able to send them. I even had to get XXXX XXXX 5/3 Bank 's investor involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I have unauthorized inquires on XXXX XXXX from Global Lending Services LLC, XXXX, XXXX XXXX XXXXXXXX XXXX, also on XXXX XXXX from XXXX XXXX XXXX also on XXXX XXXX XXXX XXXX Global Lending Services LLC, XXXX There are unauthorized soft inquiries too from XXXX, XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have submitted a dispute to all XXXX credit bureaus to have my payment history updated on my Bank of America credit card. The late payments on my report are effecting my ability to get a house. I have had stellar payment history for the last 4 years since Covid 19 and resume to be a good client of Bank of America. The payments that are affecting me are during the period of Covid 19 and were supposed to be covered under the Cares Act.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/24 American Express shut down my 3 month old credit card with them until I E-mailed them my 2 most recent checking account statements. Their E-mail, and my phone conversation with them that day, made it clear that if I did not do this within 5 business days my card with them would be PERMANENTLY closed!!! The reasons why this request by American Express was/is outrageous, illegal, fraudulent and a blatant violation of the US Fair Credit Repoerting Act, are : 1 ) I have paid, ON TIME and IN FULL, the ENTIRE balances on this new credit card on both of the 2 account statements for this card.

2 ) American Express had absolutely NO legal justification to require me to submit my highly-personal, highly-confidential checking account statements as a requirement to keep this credit card active. 
3 ) If American Express had ANY doubts/reservaqtions about my financial condition and/or " credit worthiness '' they had the legal duty to do ALL of that research, and ask me any questions they had, BEFORE issuing me this new credit card on XX/XX/24! They did NOT ask me a single question, and they obviously did NOT do any such research ( if they had they would have found that I have a dtrong credit score! ).

I had no choice but to submit these 2 checking account statements to American Express on this same day ( XX/XX/24 ) ; which they acnowledged, in an Email to me on that XX/XX/24, that they had received. Their original XX/XX/24 E-mail, and my calls to 7 different American Express representatives ( I have their name and the dates/times of these calls ) all stated that the 2 statements I sent were/are exactly what they FRAUDULENTLY requested and that I would receive a reply " within 7 days ''. It has now been 11 days and I have received absolutely NO reply. I tried to use my American Express card yesterday, XX/XX/24, and it is STILL BEING DECLINED! ( very embarassing! ) I discuused this matter with American Express supervisor XXXX ( XXXX XXXX XXXX ) in their XXXX, AZ XXXX at XXXXXXXX XXXX  today and, after putting me on hold, she said that : American Express " still needs to review the checking account statements I submitted on XX/XX/24 ''. I informed her that 7 of her co-workers already told me that what I submitted was EXACTLY what American Express FRAUDULENTLY requested! I also reminded her to tell her superiors that they are now 4 days late ( see above ) AND that I will be submitting this complaint. She had no reply. She refused to give me her last name, though American Express has no qualms about FRAUDULENTLY requiring me to provide HIGHLY-PERSONAL, HIGHLY-CONFIDENTIAL checking account statements!!! 

XXXX XXXX XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX charges {$1200.00} and {$1000.00} for an Acura/withdrawal have not been debited back into my account. Bank had to close the bank account and open a new checking account but the funds have not been transferred over. 

See attached transaction

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-13 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

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 2024-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Mishandling an IRA account, first error, applied the standard withdrawal to another account. No approval by me. Correcting that at branch bank in communication with IRA department. 
Second error. Transfer the remaining funds into a XXXX month cd. With no withdrawal. Renewed the same with a standard deduction of {$270.00} plus income tax {$30.00}. Bank of America showed the total amount as income. 
Went into the branch bank and got assurance that the statement would be corrected before XX/XX/XXXX. Went back to the branch bank on XX/XX/XXXX and they were unable to give me a print out the corrected statement. Had to cash another cd to meet incorrect statement and pay the IRS. Overage of {$6400.00}, 4 months for the IRS to process the amendment.

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 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was scammed on XX/XX/XXXX, after a week they cleared and reopened my bank account on XX/XX/XXXX, then on XX/XX/XXXX they re froze my account and when I called they couldnt even explain as to why my account was frozen. I had multiple employees promise to call back with answers and never got a return call. By XXXX on XX/XX/XXXX they took all {$1100.00} of my va XXXX benefits, even though it wasnt even enough to cover the negative balance in my other account, they gave me not notification they were taking this money and then they locked me out of my account without warning and have still yet to contact me about the situation as of XX/XX/XXXX. Also, when I visited the branch in person, the branch manager told me they didnt do force pay with their accounts, so they never should have taken my money to begin with.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX for Trans Union and XXXX regarding a hard pulls that was done on my account that very day. XXXX XXXX listed XXXX XXXXXXXX as requesting information/performing a hard pull and XXXX had listed : XXXX XXXX twice - once on XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as having pulled my credit. 
I had called each of the 3 credit bureaus and placed a credit freeze on my account. I had spoken with XXXX on XX/XX/XXXX and was informed that I had fraud alert included with my subscription and a case would be created to look into each of the unauthorized request made on my account. On Monday XX/XX/XXXX I called TransUnion and had to converse with a bot over text messaging. I was informed that a written letter would need to be sent to the company. I then called XXXX on XX/XX/XXXX and was told that a dispute would be placed however I would need to file a report with the FTC in order to have the hard pulls removed from my credit report. I contacted and spoke with the fraud/application department at each of the institutions who pulled my credit, all had informed me that a stop would be placed on the application and a fraud alert placed on it. Also, the company will be reporting fraud to the credit bureaus to have them remove the inquiries from my 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX for XXXX XXXX and Experian regarding a hard pulls that was done on my account that very day. XXXX XXXX  listed XXXX XXXXXXXX as requesting information/performing a hard pull and Experian had listed : XXXX XXXX twice - once on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as having pulled my credit.

I had called each of the 3 credit bureaus and placed a credit freeze on my account. I had spoken with Experian on XX/XX/XXXX and was informed that I had fraud alert included with my subscription and a case would be created to look into each of the unauthorized request made on my account. On Monday XX/XX/XXXX I called XXXX and had to converse with a bot over text messaging. I was informed that a written letter would need to be sent to the company. I then called XXXX on XX/XX/XXXX and was told that a dispute would be placed however I would need to file a report with the FTC in order to have the hard pulls removed from my credit report. I contacted and spoke with the fraud/application department at each of the institutions who pulled my credit, all had informed me that a stop would be placed on the application and a fraud alert placed on it. Also, the company will be reporting fraud to the credit bureaus to have them remove the inquiries from my 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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
My wife and I provided a gift of a sum of money to assist my XXXX and XXXX XXXX XXXX  in purchasing their home. I was required to provide a Bank Statement, against my wishes, to the closing firm. The closing Firm deleted the Bank statement, and then I discovered that Planet Home Lending had my Bank Statement. I am not the mortgagor, nor am I a customer of this firm. Planet Home Lending has my Bank Statement against my wishes, as it subjects me to Identity Compromise. As you can see from the attached, unsatisfactory, unsigned response from Planet Home Lending, they refuse to remove the Bank statement, and thus they refuse to remove the potential of Identity Compromise. Having experienced Identity Compromise on several occasions, including a Mortgage firm, I have not confidence in Planet Home Lending 's ability to preclude Identity compromise. Thus, I require them to destroy any Bank Statements of mine that are in their files, both paper and electronic, to preclude me from being subject to Identity Compromise. There are no statutes that require them to keep my Bank XXXX. It is simply their policy, which they can elect to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank allowed a transaction that I did not authorize, for the amount of {$7600.00} for furniture that I did not accept, I rejected the delivery and I did not provide my signature on the delivery paper. 
I want to proceed with the arbitration, I already contacted the XXXX XXXX XXXX XXXX, and they sent me a form, I need the bank collaboration to continue with this process. I am kindly asking Synchrony Bank to assist in completing the necessary sections of the arbitration initiation form. 

Specifically, I kindly ask Synchrony Bank that you provide the following information : 5. Identify the requested city and state for the hearing if an in-person hearing is held : City : State : Select...

6. Please provide contact information for both the Consumer and the Business. Attach additional sheets or forms as needed.

- Business information - Business representative 7. A clear, legible copy of the contract containing the parties ' agreement to arbitrate disputes. 

I attached the XXXX arbitration form.

Company response to consumer: Closed with explanation