vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The mortgage company wants to a short sales date XX/XX/2023 and I need to keep my home and they are not willing to work with me on this issue. So i need assistance with the issue and I have tried to make an effort to work with the mortgage company but they want to start foreclosure procedures soon and I need to work with the state records office to help get the liens from an old business off my public records so I can get the modification and i can not get the modification unless I get the liens cleared from my name. 

The complaint does relate to the last XXXX complaints that I have had about my mortgage and assistance that XXXX seeking from your government agency.

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 2023-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow up and an update to the complaint number XXXX filed on XX/XX/2023. The details of the complaint earlier filed can be referenced to the Complaint_CFPB number stated above. The reason for the follow up or update to this complaint is that I got in the mail today, a later dated on XX/XX/2023 that the claim has been updated and that the temporary credit of {$1100.00} ( including credits and fees ) has been made permanent stating it was resolved in my favor ( See attached document ). However, this is not the case. Though this letter was sent out on XX/XX/2023, the closing statement balance of the credit card account on XX/XX/2023 is still showing the disputed amount of {$1100.00} which means the letter sent out has not yet been honored or implemented. Also attached is the latest statement balance.

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 2023-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have attached a picture of ad which gave me they impression that I could apply for card get approved and use the card that day for 30 % discount. After I applied a pop up came up and let me know it would take 15 or more days to approve card and as you can see the ad only gives a 4 day window to use the card for the discount .I was given a code to get 15 % discount instead and it did not work. My credit score is around XXXX and I usually get approved in minutes not days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have applied for City Bank credit card on XXXX. My application was denied by a non sufficient explanation. During the time of my application I had a high credit score and a clear credit history, which brings me to a conclusion that the cause of the denial was my ethnic identity. City Banks decision was impacted by a segregation against me being an XXXX. I am attaching the denial letter to my statement, and requesting you to please process my complaint. Sincerely, XXXX XXXX My email- XXXX phone- ( 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 2023-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I'm 30 days late on my XXXX Payment. Life happens. But everything is ok. I'm trying to login to my account and, my login information is 100 % CORRECT. I haven't changed it since the mortgage started. 

But when I login, it says " Page Doesn't Exist '' and when I try to connect to a customer service representative on the phone, the automated prompt says it doesnt recognize my SSN or my Loan Number.

And talking to an actual person is IMPOSSIBLE. The automated phone service just kicks you off and says " Call back when you have the required information '' I HAVE THE REQUIRED INFORMATION, YOUR SYSTEM JUST GOT HACKED AND NOW ITS ALL MESSED UP AND YOU REFUSE TO MAKE IT EASY FOR YOUR CUSTOMERS TO TALK TO A LIVE PERSON WHO CAN HELP.

Oh my god. This is so frustrating. I don't want to lose my house.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Open a Jet Blue Barclay Master card with a XXXX credit limit. As of today got a letter that sates my credit is not only XXXX This is misleading due to the fact that inquiry was not done appropriately at the begin which the line of credit was open. This not now at practice

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 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX I do not have contract with XXXX XXXX. the debt listed on my credit report does not belong to me! it is fraudulent. I looked at my credit report and noticed an unsual collection. It was completely unauthorized, done without my consent, I have in the past lost my personal credentials while searching for a job in which I had my social security card which I believe someone possibly stole my information. Please kindly I ask that remove this debt collection off my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My name is XXXX XXXX, I am a good customer of PayPal but all of a sudden PayPal has decided to lock me of some features which I can not send money to friends. PayPal asked me for series of documents for verification for them to unblock my account I have provided the requested sensitive documents and PayPal said 1 business day but this is taking weeks and I'm not comfortable with this. 

I want this to be resolved and my account reinstated and PayPal should tender an apology for saying XXXX business day but it's taking weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am the founder of an XXXX based in Maryland but that does work in XXXX, I received some money in my bank account and assumed that it was a donation from someone because I have been talking about all my projects to whoever I can tell. So after i noticed the money i got surprised and never touched the money for some days till a friend of mine asked me if I got the gift from her friend who was trying to be involve in my organization. from then I told myself that it is a blessing and that from now I can use the money to realis my projects. I did some shopping to send some items to the orphanage that I am taking care of in XXXX and was about to ship them there. But since in XXXX my organization has no bank account, I tried to wire some money to my personal account like that my partner in XXXX was suppose to open an account for the XXXX and start to work on some of the projects but just after that my account was blocked and I have no access to any founds or information a part an email on XX/XX/2023 saying that my wire transfer has been rejected and the reason is suspected fraud, and today we are XX/XX/2023 and nothing is clear in my case and I am trying to know what can I do to explain to someone there ( Truist Bank ) I have the name of the person that sent the money in my account even though it was coming from XXXX XXXX. but the bank is not even giving me a chance to explain my side of the problem but they are just telling me that it can take up to 90 days before the investigation is over. I just want to clear my name and know what is next.

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 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with credit collection services. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) XX/XX/2023 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 non-monetary relief
Consumer complaint received 2023-11-19 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: FL

Complaint narrative:
i was reviewing my credit report and noticed multiple unauthorized inaccurate inquiries. i have no knowledge of where these inquiries came from and never gave anybody permission to access my credit report. I also understand that these inquiries are in violation of my consumer rights. In accordance to 15 us c 1692b i have the right to privacy and for these items to be furnished on my report requires my express authorization. I am asking that these items are removed from my credit report and stop violating my consumer right to privacy. There is no certifiable evidence that can verify these inquiries so therefor in accordance to 15 us c 1681section 604 of the Fair Credit Reporting Act you must remove these unauthorized inquiries from my credit report lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Today, I have received an email ( XXXX ) regarding Fraud Alert from your company and I opened the portal to check the status and found out it still stated that : XXXX & XXXX XXXX ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

And I tried to dispute to this report filed # XXXX on XX/XX/XXXX XXXX XXXX, and I could not file online in the end. I did not want to file online due to the concern of the hacking. I believe the United States had the threat of global hacking, including over XXXX universities. I am not sure why your company continuously ask to file online. 

As I stated in the previous letter which sent to your company a few days ago, I am a XXXX, not a citizen of the United States ; therefore, I am and will not be a servant of the United States military. Anyway, if you consider my age and career, most of the people wonder why your company could accept this statement. And I have never experienced the military even in XXXX ; anyway, we do not have the military in XXXX. I seriously request to remove this statement. 

And I regret that you decreased my XXXX XXXX on XX/XX/XXXX ( XXXX scores ) and XX/XX/XXXX ( XXXX scores ). From my standard and understanding, there is a question why thy company or whatever will decrease the credit score of the victim of the fraud. It must be against the ethic. If you against my opinion, would you explain to me? 

Sincerely,

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One wasnt giving me credit for my on time payments and properly transferring funds on time causing my credit unions to charge me over draft fees which lowered my credit score.Also I paid off a previous card balance and they restricted the account after I paid the balance in full.My score dropped over XXXX because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
the bank is showing my date of last payment XXXX and that is not true my date of last payment XX/XX/2016, The balance is also reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed multiple unauthorized inaccurate inquiries. I have no knowledge of where these inquiries came from and never gave anybody permission to access my credit report. I also understand that these inquiries are in violation of my consumer rights. In accordance with 15 us c 1692b i have the right to privacy and for these items to be furnished on my report requires my express authorization. I am asking that these items are removed from my credit report and stop violating my consumer right to privacy. There is no certifiable evidence that can verify these inquiries so therefore in accordance to 15 us c 1681section 604 of the Fair Credit Reporting Act you must remove these unauthorized inquiries from my credit report lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided. 

XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The reason for the communication refers to the following concerns : 1. Unreported or inaccurate information on my consumer credit reports : When reviewing my TransUnion report, I noticed that the credit limit of {$19000.00} is not reported, as reflected on the XXXX credit report. It appears that TransUnion only captured payment history for the last 24 months. 

When reviewing the XXXX credit report, I noticed that payment history for the last XXXX  months is not displayed ; only the month of XXXX is visible. 
When checking my XXXX credit report, my XXXX XXXX account ( including credit limit and XXXX payment history ) is not reported. 
I request that you report my XXXX payment history and {$19000.00} credit limit to all credit agencies to ensure accurate financial information on my credit reports with the major agencies : XXXX, TransUnion, XXXX, and others as applicable. 

2. I would like to know my membership number because I can not locate it when accessing my account. 
Additionally, I would like to understand the process and implications of canceling my membership in the future. Since contacting you directly has proven difficult, I am seeking this information through this channel. Needless to say, their customer service could be improved. 
3. I am supposed to have a VIP membership with a limit of {$30000.00} instead of a credit limit of {$19000.00}, indicated in the membership terms at the time of subscription 4. When I initially signed up for this membership, the agreed upon amount was {$570.00}. However, it has now increased to {$620.00}. I would appreciate an explanation of this setting. 
I am willing to provide any additional information requested and wish to express my gratitude for the time and effort you invested in resolving 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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reason for the communication refers to the following concerns : 1. Unreported or inaccurate information on my consumer credit reports : When reviewing my XXXX report, I noticed that the credit limit of {$19000.00} is not reported, as reflected on the XXXX credit report. It appears that XXXX only captured payment history for the last 24 months. 

When reviewing the XXXX credit report, I noticed that payment history for the last XXXX  months is not displayed ; only the month of XXXX is visible. 
When checking my Equifax credit report, my XXXX XXXX account ( including credit limit and XXXX payment history ) is not reported. 
I request that you report my XXXX payment history and {$19000.00} credit limit to all credit agencies to ensure accurate financial information on my credit reports with the major agencies : XXXX, XXXX, Equifax, and others as applicable. 

2. I would like to know my membership number because I can not locate it when accessing my account. 
Additionally, I would like to understand the process and implications of canceling my membership in the future. Since contacting you directly has proven difficult, I am seeking this information through this channel. Needless to say, their customer service could be improved. 
XXXX. I am supposed to have a VIP membership with a limit of {$30000.00} instead of a credit limit of {$19000.00}, indicated in the membership terms at the time of subscription 4. When I initially signed up for this membership, the agreed upon amount was {$570.00}. However, it has now increased to {$620.00}. I would appreciate an explanation of this setting. 
I am willing to provide any additional information requested and wish to express my gratitude for the time and effort you invested in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE WITH THE UNAUTHORIZED INQUIRIES! 

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called to update my personal information my address name and job because all the information on my credit report is inaccurate and theyre refusing to update my 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 explanation