vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I paid 2 utility bills, XXXX and XXXX, in XXXX using an AmEx gift card. Tried to do again in XXXX and both declined, over and over again. Have spoken with both XXXX and XXXX and neither understand why declined- no issues on their end. Have called AmEx gift card customer service multiple times and can't get a straight answer, and always from someone in another country. 
Last attempt asked for supervisor, was transferred and told speaking with super. He spoke very broken XXXX. Couldn't get acceptable answer from him. When I asked him what security issues I'm missing, he wouldn't tell me. I had tried both vendors online and was declined. When speaking with the vendors, they tried to input info manually and still declined. 
No one can tell me why it worked in XXXX but not in XXXX. 
I asked the last AmEx gift card person I spoke with to transfer me to a supervisor in the US and he wouldn't I was told there was no one available. At that point, I have to admit, I responded to him in a not very polite manor. 
My card was a " 10 year anniversary '' gift from my company for being there 10 years. What's the point if I can't us it the way I want to. Worthless. They got $ from the boss for 6 of these 10 yr anniversary cards and in actuality they are worthless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2024, I made a purchase for {$84.00} and requested use of PayPal Pay in 4 option. The entire amount was sent to the vendor before I received credit denial from PayPal. The denial was based on " bankruptcy which included PayPal '' - erroneous information. I previously used this credit option numerous times and received from PayPal " Congratulations, all Pay in 4 payments have been completed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: FL

Complaint narrative:
My account was hacked by an unauthorized user through Credit Karma and XXXX  of dollars was withdrawn from my savings and checking accounts. I caught the issue right when it started, when my phone number and email address were changed without any authorization, and money started being withdrawn and transferred in increments. I called Credit Karma immediately and reported the unauthorized actions and they said they can see the withdrawals coming from someone in California but that there is nothing they can do until the pending charges go through and then I can dispute the charges. They said that once the charges are disputed, the money will be returned to me immediately. I asked them to freeze my cards and freeze my account but by the time they did, over {$4200.00} was withdrawn from my account and transferred to someone else 's XXXX  account. After the charges went through and I disputed the charges, they said that it will take up to 120 days for the investigation. They then said that since I've used XXXX in the past I have to contact that merchant. The XXXX account is not linked to my own account and is under the name XXXX XXXX. I contacted XXXX and they said it is clearly not linked to my account, which I told Credit Karma. They have not responded. This issue started on XX/XX/XXXX and I have called and emailed Credit Karma dozens of times over the last few weeks and am not getting consistent responses. I need my money returned, transferred out of Credit Karma to my secure XXXX bank account, and my Credit Karma account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I applied for the XXXX XXXX  back in XXXX. At the time I was told it would be a 15 day application process. I have been strung along by people telling me it is still in process and I just need to wait a little bit longer, but the time frame keeps increasing and increasing. In the meantime, interest is accruing on my loans. 

My most recent talk with a customer service representative had the representative tell me my XXXX application was denied and that I was in the XXXX program as well. When I asked for clarification, she stated that the application was actually still in process. Then she said I could re-apply to hasten the process. When I questioned if that would actually work she said re-applying could delay my application more. She then told me to wait another 30 days before calling again. 

I feel like I am talking to people who have no idea what they're talking about. They are just making up answers and wasting my time. Meanwhile, my interest is accruing when it shouldn't be. This is ridiculous and I am very close to just refusing to pay outright until they get their act together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Basically i am trying to buy an item on XXXX and everytime it says payment revision needed but there is enough money on my account for the item, also it is giving me XXXX cent fees that keep on pending. 
i really need this card to work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.

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 2024-01-22 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: GA

Complaint narrative:
I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.

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 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, I was enrolled in XXXX XXXX for a XXXX  in XXXX XXXX. I applied completed my FAFSA and applied for a Direct Plus subsidized/I subsidized loan for graduate. Completed master promisory note and was approved DOE. My financial aid officer at XXXX said that I had an overage and could not receive any disbursements unless I contact Nelnet and requested that the overage be applied to current loan. Nelnet never answered my emails or phone calls they even kept me on hold for 2 hours every day. A rep finally picked up on XX/XX/XXXX  said a few words, put me back on hold for another 2 hours. I told my FA advisor about it and he said theres nothing they could do. Now I can not finish my education because of Nelnet poor management and customer service. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
For the nth time I am addressing the issue of erroneous and deceptive data present on my credit report.

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 2024-01-22 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: MA

Complaint narrative:
My information being reported is erroneous and needs to be corrected. I have a lot of my consumer rights violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is regarding CFPB complaint XXXX. Due to be Barclay 's negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your XXXX aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form XXXX  as advised.

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 2024-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after seven years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of Texas is 4 years! To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, XXXX and Equifax have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both Equifax and XXXX over 10 months ago. I urge XXXX and Equifax to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX money orders and a Payoff Detail loan letter were mailed to Mohela with the intention of paying off one of my loans to close that account. The money orders consisted of XXXX {$1000.00}, a {$620.00}, and a {$500.00} to pay off my loan totaling {$4100.00}. My requested pay off date was for XX/XX/XXXX, and this loan was disbursed to me on XX/XX/XXXX. Only XXXX of these money orders were applied to my loan payment, but all money orders were cashed on the same day, XXXX XXXX XXXX. In XXXX, I noticed that only one payment was applied to my account for {$620.00}, and it wasn't even applied to the intended loan. So 4 of my 5 money orders are currently missing, I asked to submit an investigation to get it sorted out, but after months of calling in to check for a status, there has been no updates and every time I had to give information again and again, it felt as if none of my information was being recorded or being kept track of. The last representative I spoke with, I kept asking to escalate me and she did not ever let me, I don't even think she was doing anything to check on the account until I asked to speak with a higher up. She put me on hold multiple times, probably waiting for me to get tired and hang up, it took a long while. I tried calling back today and now they just hung up on my call, and the wait time is ridiculous to keep calling back over and over again. As of right now I don't know if the matter has been looked into or if they care to check on my account. I don't know what information they are keeping recorded, I submitted images of my paystubs with information on dates, which loan, and when it was supposed to be cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NY

Complaint narrative:
I DON'T WANT TO HAVE THIS ON MY CREDIT REPORT PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase based on a low APR offer that was advertised on XXXX. The advertisement did not state must be activated prior to purchase, now that I activated it less than a week after ( XXXX ), theyre refusing to honor it and have been charging me the wrong interest since XXXX of XXXX. Not XXXX advertisement states in terms that this is the case. Their supervisor XXXX ( account supervisor ) was extremely unprofessional handling this and then claimed he could not get his supervisor since he was unwilling to do anything. He tried to lie regarding this which is shown below in special interest rate advertisements not XXXX shows what theyre indicating which is bait and switch.

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 2024-01-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Attention Amex Investors Relations and Legal Department : I hope this letter finds you well. I am writing to bring to your attention certain aspects related to the electronic chattel paper associated with my credit card application I originally issued to you on XX/XX/2020 for a Amex Blue Cash Everyday credit card which, based on my understanding, has been transferred into your Trust, American Express Credit Account Master Trust, via your Depositor and Transferor : American Express XXXX XXXX XXXX XXXX XXXX and/or Servicer : American Express Travel Related Services Company , Inc. , and subsequently became a trust asset and trust property. 

As a diligent investor and beneficiary with beneficial interest, I have conducted a thorough review of the information available in your 424B5 prospectus filed with the Securities and Exchange Commission and your Trust Indenture Agreement with XXXX  XXXX XXXX XXXX  XXXX. It is my understanding that, as the trustee overseeing the Trust, whether it be American Express Company, Travel Related Services ( " TRS '' ) or any other of your affiliate ( s ), you have a fiduciary duty to perform in good faith, with honor and clean hands. I am writing to assert my rights as an investor and beneficiary with beneficial interest based on the provisions outlined in the aforementioned legal documents. 

Asset-backed securities, as delineated in the prospectus, are a form of investment collateralized by a pool of assets. These assets typically generate cash flow from various sources, including loans, leases, or credit card balances. Given that I am an investor and beneficiary in the Trust, I believe I am entitled to claim and redeem my rights, titles, and interest based on the fiduciary performance of the Trust and Trustee. 

I kindly request that you provide me with detailed information regarding the status of my credit card application within the Trust, including any relevant documentation that supports the electronic chattel paper 's transition into a trust asset. Additionally, I seek clarification on how I may exercise my rights as an investor and beneficiary, as stipulated by the fiduciary duties outlined in the prospectus and the Trust Indenture Agreement. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Should you require any additional documentation or information from my end, please do not hesitate to contact me via the contact information you have on file. 

Thank you for your cooperation in this matter. I trust, no pun intended, that, in adhering to your fiduciary duties, you will provide the necessary transparency and assistance to address and rectify my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
On XX/XX/2023, I received an alert from all three credit reporting agencies that a hard inquiry from XXXX XXXX XXXX XXXX had been placed on my account. This hard inquiry was fraudulent, and I never applied for any home loan because I am a XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, and they informed me that they would stop the application and investigate it. XXXX later informed me that the application submitted was fraudulent, and they would have all three credit reporting agencies remove the hard inquiry and send me a letter. I called XXXX fraud department at XXXX on XXXX occasions, informing them that XXXX and Equifax were refusing to remove the XXXX inquiry. They informed me that they would send another XXXX requests to both agencies, but only XXXX removed the inquiry in XX/XX/2023. I also called XXXX and Equifax on several occasions, and they informed me that they wouldn't remove it even though the copy of the letter I got from XXXX to show proof wasn't enough. They told me that they never received a request from XXXX XXXX XXXX XXXX to remove the hard inquiry. XXXX XXXX XXXX has been very helpful in this case, but XXXX and Equifax have credited a hardship preventing me from getting a commercial business loan for a contract I was supposed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I've had my savings in Capitol One 360 savings the past year, plus.

I've seen the account being advertised as 4+ % interest rate and believed that is what I was receiving during XXXX, however I've only been receiving 0.30 % I called ( XX/XX/XXXX ) and they notified me that I was not receiving that rate since I need to open a new " Performance Savings '' account. 
I opened the new account and also requested to be compensated for the difference since it's was deceptive marketing practices. They denied being able to compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
I was affected by the XXXX data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit report effectively iimmdiately.Iam attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include XXXX, XXXX and Transunion.

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