vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I reached out to CitiMortgage to obtain a discharge of mortgage from XXXX in the amount of {$240000.00}. 
The XXXX I was given have the option to choose if you are looking for a lien release, this option provides you with a email XXXX. I have reached on to this website on XX/XX/XXXX, multiple times on XX/XX/XXXX, XX/XX/XXXX, multiple times on XX/XX/XXXX and on XX/XX/XXXX, multiple emails came back undeliverable so I then tried and additional email address on one of the emails XXXX, which I did receive an email back that stated not to reach out to this email anymore to contact the address I have already contacted multiple times. I also sent a fax request to XXXX, which, I received a confirmation that it was received but never received a response I then was told Citi Mortgage sold their servicing to XXXX XXXX, which I called and was given a 2 fax numbers XXXX and XXXX. Faxed my information to both numbers received a conformation the information was received but never received a response. Called XX/XX/XXXX to find out the status and was told XXXX is not responsible for a loan that was never sent to them to reach out to Citi. Was provided the same telephone number and email address that was already a dead end.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon applying for a loan to buy a vehicle, it was discovered that Equifax and XXXX both can not verify my identity. I have called Equifax multiple times to try to fix the situation, and was told I needed to send them supporting documents in order for them to verify my identity. After sending what was required and calling them multiple times, they claimed that they did not receive my information. The last two times I have called them asking to speak to a supervisor, I have been placed on hold for a total of over a hour and a half, eventually leading to them disconnecting the phone call. I have mailed and faxed Equifax multiple times, each time ending in the same result. Ultimately, I have not made any progress into the issue, and I dont even know why the underlying issue was caused. I am unable to receive information about whether my identity was stolen, or it is something along the lines of my name or address being misspelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 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 n 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 XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. Capital One and Cabelas accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MS

Complaint narrative:
Emails of an account being opened on XX/XX/XXXX. Tried contacting Bank of America about account. Difficulty talking to an associate or figuring out how to access the account without the account number. They wouldnt allow me to ask if theyd close the account or allow me access even though I have my social security number and proof of identity. They sent me to an automated machine that told me theyd send a fraud form in the mail but I dont know if it goes to my address.

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The XXXX XXXX card by XXXX and through Bread financial, Comenity Bank is ridiculous. The website tries to get you to make a payment through " Easy Pay ''. However, agreeing to pay via " Easy Pay '' diverts you to a new page that is blank with only a button that reads " Exit ''. When I tried to call the company I had to stay on hold for 20 minutes. Just to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. American Express accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and XXXX have corrected the fraud account after the XXXX XXXX  sent all 3 agencies a letter saying I was not responsible for charges incurred on a fraudulent card. I have been working with lifelock restoration team. 
The letter from bank wss first sent to all 3 agencies on XXXX XXXX. 
Transunion told me they did not get it. The bank on XX/XX/XXXX sent them the letter clearing me again. 
Transunion got same documents as XXXX and XXXX but is now asking me to wait another month until their " dispute '' time is up. 
I am trying to buy a home and am being held up XXXX Transunion. They have still not updated their report. They want me to pay to get my credit score and report. That does not seem right.

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 2022-08-01 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 — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: OH

Complaint narrative:
My Key Bank Mastercard number was stolen by a XXXX sponsored XXXX user. His card was used to purchase {$1900.00} of electronically delivered XXXX  games. A fraud claim was filed with Key Bank and the card was cancelled. A police report was filed with the XXXX XXXX Police Department and the XXXX CA police department. 
XXXX provided extensive research to Key Bank identifying the thief by providing his gamer tag, console ID, IP address and billing address in XXXX California. 


Key Bank advertises XXXX XXXX XXXX XXXX for their Mastercard. Our situation proves this advertisement to be false. 


Despite the evidence from XXXX and our fraudulent claim, the bank paid the FRAUDULENT charges and CLOSED our claim. We were notified of the decision by mail WEEKS later. I am unsure how or why someone at Key Bank has the authority to spend their clients money, but it is exactly what happened. Key Bank advised they would not re-open, re-evaluate or re-open another claim to assist in a refund. We were advised to work with XXXX. 


Our efforts with XXXX, a multibillion dollar company, have fallen on deaf ears. Multiple hours of aggravation have resulted in no refund. XXXX isnt concerned with customer protection. They have confirmed the charges are fraudulent. They have visibility to the thiefs profile and wont take simple action to shut down the thiefs game utilization. I used the search engine XXXX to view the thiefs profile and activity ( which was paid for by my son and many other users ). The thiefs account was made within a four month period and was able to buy XXXX games with added packs and in game credits. 


XXXX encourages and rewards this behavior knowing it is a federal offense. Clearly XXXX accepts this behavior and does not penalize the thief or hold them accountable for fraud with XXXX. Who knows, maybe its a XXXX employee who has access to the profiles and sells the information. 


I would not encourage any XXXX or XXXX account holder to enter a credit card number into their profile as XXXX places you at risk and sponsors this type of behavior by their lack of resolution action. I advise to purchase pre-paid cards for any online gaming purchases to be safe. 
I was advised by the XXXX XXXX Police Department that we lost our leverage by paying the Key Bank XXXX. 
The police department advised I should not have paid the credit card and let Key Bank sue us for the fraudulent charges. 


I am left with zero resolve and am out {$1900.00} due to poor customer service and praising criminal behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TX

Complaint narrative:
Hi I am submitting this 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 n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2022-08-01 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: TX

Complaint narrative:
Hi I am submitting this 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I believe that I was discriminated against regarding the original Mortgage with Countrywide, in 2004, with a higher interest rate, due to my race. Subsequently, my home was sold to Bank of America and then later to XXXX XXXX, in which I loss half of my income during the pandemic and sought out help with an organization and when I received the help... the bank ( XXXX XXXX  ) did not provide me with additional time in order to get the payment to them in order to keep my home.

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 2022-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I received XXXX credit cards from Bank of America that I did not ask for in my old married name I have t used in 12 years. 
These XXXX credit card accounts also have now shown up on my credit report. 
I received the first cArd XX/XX/2022 second came 3 days later. I did not activate I want them removed and cancelled I contacted Bank of America and am getting circles and no communication. 
I have a freeze on my credit now Please help me

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