vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XX/XX/XXXX while booking a flight reservation with XXXX XXXX XXXX, I was offered opportunity to be approved for a Citibank credit card with bonus features ( XXXX miles and {$400.00} statement credit when paying {$400.00} for XXXX XXXX. So, before completing my booking, I called AA Citibank credit card ( XXXX ) where I was assured I fulfilled both requirements ( not haven received a statement credit or bonus miles on a new credit card within 48 months prior ) to receive the bonus offer. So I filled out the online application via XXXX XXXX reservations and was instantly approved and provided a digital account number to use to complete the reservation. First I wanted to print the page with the account number so I clicked the box to " print this page ''. I swiveled in my chair to reach the printer so see that instead of a page with the account number, the terms and conditions being printed, way more than a page so I cancelled the waste of printer ink. Immediately I turned back to my computer to see I had been logged out due to timeout. At most, a minute had passed. I called the same customer service number to get the virtual number but was told : they could not see or give me the account number or cancel the credit card and there was nothing they could do to help. She said the website times out so quickly for " security reasons ''. When I asked to escalate, I was told the supervisor would tell me the same thing. She said there was nothing anyone could do and I would have to wait 7-10 days for the actual card to arrive in the mail. But, I needed to book the flight today and my mail was being held for 30 days while I was unavailable during that time period. I went back to XXXX XXXX website to try to find the approved credit card but it was not retrievable. So I tried to book the ticket and was again offered the same credit card bonus offer. But if I request approval for another credit card, I will have a new credit card on record, one approved 5 minutes earlier, definately within the 48 month period. I plan to not activate the card after it arrives. The reason I wanted the credit card was to be credited for the airline reservation. In order to book the flight, had to make the reservation without the credit card so I want to cancel this credit card. Can you please help with this misleading offer that deletes the new account within a minute and will not allow to cancel the application five minutes after approval? I have been an AA Citibank customer since XXXX and this is only the second time in 25 years I have applied for a new credit card and both times they have misled 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
Consumer complaint received 2024-01-14 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I began a mortgage forbearance in XX/XX/2023 with Mr. Cooper due to financial hardship from a sudden layoff. The agreement was for a 12-month forbearance, granted in increments of 2-3 months, with regular check-ins. This was understood as a procedural formality, not a reassessment of my eligibility. 

In XX/XX/2023, when I sought to extend my forbearance to complete the agreed 12 months, I was unexpectedly denied with no explanation provided. Despite multiple attempts to understand this denial, representatives of Mr. Cooper have neither provided a reason nor demonstrated awareness of VA circulars regarding the foreclosure moratorium. 

This situation has significantly impacted me. After the layoff, my income was limited to VA disability. I was extremely transparent and I also disclosed to Mr. Cooper that I was undergoing extensive treatment for severe XXXX, a latent condition stemming from my military service that manifested due to my sudden unemployment. 

Mr. Coopers actions suggest a disregard for the VAs guidelines and an intent to foreclose on my property prematurely, without offering the full 12-month forbearance period or any alternative support. They also feign ignorance about the multitude of VA circulars and guidance that tells them what theyre doing is in direct contradiction to the VAs guidance. This approach not only undermines my financial planning based on the initial forbearance agreement but also exacerbates my current mental health and financial challenges. 

As a veteran, homeowner, and client of Mr. Cooper, I find this outcome unacceptable and seek immediate intervention to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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:
TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX XXXX ) account status as collections/ charge off ; however, according to TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the collections/ charge-off off account XXXX XXXX XXXXfrom the consumer report. Please see the attached supporting documents.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I looked at my credit report on XX/XX/XXXX and I noticed some things are incomplete and not accurate.. I sent a letter to Trans Union on XX/XX/XXXX and I asked them to investigate the accuracy of my report when i received the results I noticed they didn't fix anything. They are breaking Federal Law according to 15usc 1681 ( 5 ) i

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 2024-01-14 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: VA

Complaint narrative:
I am writing to you in accordance with the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to verify accounts by physically verifying the original signed consumer contract. It has come to my attention that you have reported certain accounts on my credit report without providing verifiable proof of these accounts. This lack of verification has negatively impacted my ability to obtain credit.

As a result, I am formally requesting that you provide me with the verifiable proof of the following accounts listed below. According to the FCRA, unverified accounts must be removed from my credit report. If you are unable to provide me with the requested proof, I insist that you remove these accounts from my credit report immediately. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured loan Verification Status : Unverified 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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company.

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company.

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # 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 2024-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Flexible Finance, Inc.
State: NH

Complaint narrative:
This company, " getflex.com, '' falsely advertises that the use of their product to pay rent would " improve your credit score '' by reporting ontime rent payements to credit bereaus, they did this in order to gain my business when I would not have used them otherwise. This blantent and gross misconduct is fraud, and I expect to be reimubursed the fess charged by these scumbags. I also hope the FTC shuts down this garbage permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I was never late or missed any payments until I fell into a financial situation where my hours at work was reduced and income changed to decrease I tried to contact the XXXX XXXX tower loan when I spoke to XXXX XXXX he stated that if I don't have the payment in by XX/XX/2024 at XXXX XXXX he will proceed legal action in court I tried to explain my situation but he constantly kept calling leaving harassment messages. I always tried to make my payment to avoid repro or taken to Court I asking could you please help me in this matter or I will find a lawyer who will. Phone # 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 2024-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Company have sent several text messages before XXXX. I requested a debt validation no response. I have no knowledge of this debt not mine. Please supply a copy of lease. If you bought this debt from another company. supply proof, and copy of my ID, social security card. Receipt. If you don't supply information with 30 days of receipt remove reporting from all 3 credit reporting otherwise my lawyer will be in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have been trying to extend my forbearance due to ongoing financial hardships. I am a XXXX XXXX XXXX XXXX  and one of my payers has not paid insurance claims since XXXX XXXX XXXX I am currently owed thousands, and I had to pay my rent this month by getting cash advances on my credit cards, which are now maxed out. I was initially told by Firstmark that the company will grant up to six months of forbearance ; however, my applications for an extension of the three months I was already granted have been repeatedly denied, with no explanation and no avenue for appeal. 

I have contacted Firstmark MULTIPLE times, asking for help and for information regarding this issue. So far no one has given me a consistent answer re : why my forbearance extension request was denied. Firstmark denies knowledge of the reason for the denial and they claim that they were not the ones who denied my application, yet they are unable to tell me who denied it. I have asked for the contact information for the direct lender of the loan, in hopes of getting this information straight from the source, but when I reached out to the bank Firstmark told me was my lender, that bank had no knowledge of my loan. As a result, I currently have absolutely no idea who actually issued my loan, and no one at Firstmark will tell me who it is, which means I have no way to try to prevent defaulting on this loan. 

I am already past due on XXXX 's payment. I am trying DESPERATELY not to default on this loan. But that is an INEVITABLE REALITY if I am unable to get someone at this company to cooperate with me. 

I genuinely feel like this company would rather I default and they lose the {$19000.00} I still owe them, rather than be cooperative and help me get back into a position where I can actually pay it off. I am SHOCKED at the obstacles they have thrown in my path, and the lack of transparency regarding my loan. 

I sincerely hope somebody takes this complaint seriously and helps me with this issue, as I have been going in circles with this company for months now, and I'm no closer to receiving honest communication and assistance. I just can not imagine that it is legal for Firstmark to withhold information from me regarding my direct lender, especially as withholding this information has set me on a path to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company. 

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # 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 2024-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This card was paid in full & still showing as a negative closed card on my credit report. I am requesting to have this removed completely off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover you are in violation of the Gramm Leach Bliley Act by law before sharing my information you must give me the opportunity to exercise my opt out notice You ( Discover ) did not disclose this information to me that is required by law. 
Discover knowing and willfully withheld information regarding the disclosure of my information to affiliated and non affiliated third parties. Discover knowingly and willfully withheld information that explain how I the consumer can exercise that non disclosure option You have 10 days to delete this account # XXXX from all credit reporting agencies and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

Im not asking to provide me with a statement or terms and agreement Im asking to provide me with my opt out notice and private policy notice or delete this account immediately from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Never received 1099 for irs for dept owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
Been dealing with this JEFFERSON CAPITAL SYSTEMS issues for couple years. They haven't provided any proof of agreement to a contract my my signature to their agency of this debt. I am requesting to have this removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I applied 4 times with American Express they keep denying after me working to bring my credit score up everytime I get the run around or hung up. I did some research and found out they trading our information on the stock exchange profiting up to XXXX XXXX sometimes off 1 app there reporting to Sec that I'm giving them permission to do this witch is a lie I called them back and told I'm an investor in they company so why don't I have 1 card the rep told me I didn't have 1 app on file witch I have proof dating back to XXXX

Company response to consumer: Closed with explanation