vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a citibank credit card about 2 months ago with the acquisition offer of 80,000 thank you point if I make purchase of 4000 dollars in the first 3 months. I have been trying to reach the 4000 dollars in orders to get the initial sign up bonus. however, I have experienced a lot of difficulties of using the credit card. Specifically I have been declined 5 times in the past 30 days which worth more than 1500 dollars purchase when I tried to use the credit card. Every time, after I get declined, I tried to reach out to Citibank to get the fraud/ security alert removed. But because Citibank already declined by transaction, so I have to use my other credit cards to pay for it, therefore there is literally no way for me to reach to the 4000 dollars in order to get the 80,000 thank you point. I have made more than 3500 dollars, and it is getting impossible to reach to the 4000 dollars now because Citibank keeps declining my transactions, and called this is security reason. 

Everytime when I tried to call citibank, I was asked to verify my citibank checking account information. But my citibank checking account has been closed for a long time, and it doesn't even show up on my citiibank online portal., how could I be able to answer the account number question of the account that been closed for a long time? isn't this crazy? 

What I need from citibank ; 1. even though i have not reached to the XXXX000 dollars spending requirement yet, because i am getting super close to the 4000 dollars, and plus citibank keeps declining my transaction, there is no way for me to meet the requirement. I want 80,000 thank you point to be granted to me right now. 

2. i need citibank to review why they still show my checking account as that account has been closed for a long time. this account should NOT be used for account security verfication/ authentication purpose. 

3.I told rep that I could verify my cell phone, my credit card info, my SSN, home address, and all the other info on my account, but I don't have related account info with me,, the rep just can not proceed further. i personally find this is ridiculously, this is suggesting that i am being punished by having multiple products with citibank. if this is the case, maybe to make it easier, I should just stop doing business with you guys all together.

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 2022-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Promise of job after school and I haven't been able to make a payment to loan. Nor get forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've made efforts to correct misinformation, inaccurate data and false accounts reporting on my file and this CRA has refused to be transparent with their investigation, continue to house false information on my report and keep me from maintaining maximum accuracy as outlined in the FCRA. 

Since XX/XX/2021, I've been sending correspondence concerning the inaccuracy of my consumer report. There are accounts reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, no sufficient proof has been provided to me concerning the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

I have reached out to Transunion and the adjacent companies about these errors and lack of compliance countless times to correct information, request further details or demand deletion for lack of sufficient proof and they have chosen to either not respond to my requests or not perform their duties in accordance to the laws that are set to follow.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to file a dispute online on experian.com and adding a consumer statement but each time it prompted me to call their customer service department. When I called in I wanted to speak with a representative but the person told me to go to experian.com/upload to upload docs to verify my identity ; before they could speak to me or address any issues. 
When I went online and upload the doc in the said format, It did not process the upload even on trying multiple times. There was a follow-up link that told me to fill a form and mail it. When I click the link it again said that my request/form could not be processed but gave me a mailing address. Now, I don't know if I send the docs to the mailing address without the form, whether they will process the info or not. If so, how long should it take them to verify id at their end. When Experian is collecting and reporting my data seamlessly, It has a responsibility to easily allow me to access the data, provide consumer statements and dispute accounts that are paid.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Not all the information is correct on the XXXX credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Not all the information is correct on the XXXX credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged an annual fee of {$59.00} on XXXX XXXX, 2022 for the Capital One XXXX credit card. 

On XX/XX/2022, XXXX days after the annual fee posted. I called a representative to request cancellation my card and refund of the annual fee. Per the terms of the card, the annual fee can be refunded if the card is cancelled fewer than XXXX days after it posts on the account. The representative proceeded to close the account and assured that the fee would be refunded. 

On XXXX XXXX, 2022, I noticed that my account was still open and the annual fee was still being charged. I called a representative to inquire about this, and they said that they will no longer be able to refund the fee as it has been more than 40 days after the fee posted. The credit card account had also not been closed. 

There is evidence on my account that I called on XXXX XXXX, 2022 as a {$0.00} XXXX XXXX points redemption posted on my account. This is a redemption that I can not make on my own as there is a minimum point redemption amount that is greater than {$0.00}. The agent made this redemption at the time. The screenshot is attached. 

There is also evidence on my phone of an outgoing call to ( XXXX ) XXXX, the Capital One customer service number, on XX/XX/XXXX during which I first attempted to close the account and obtain a refund of the annual fee. The screenshot is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX put a late payment on my account. This was an auto pay issue and the store recognized the issue on their end and fixed it when i disputed it. However, the late payment was never removed from my credit report by the credit bureau and its affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
Can not get through to a person and when I do I am given the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX added {$190.00} for XXXX XXXX charges that were to be removed. Contacted XXXX XXXX, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call XXXX XXXX customer service back to help with any credit issues. I was also told by XXXX cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to XXXX XXXX on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX XXXXid not have a supervisor available, so a XXXX XXXX supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from XXXX XXXX stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My XXXX XXXX Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem XXXX years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( Experian ) to clear the wrong that has been done to 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 non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Had this company in XXXX that came through with a sole purpose of assisting me sell my time share and i was defrauded of {$22000.00} through wire transfer. Bank of America did all transactions on my behalf and i have been in contact with them for over a year now to intervene. Bank of America has come back and they have told me that there is nothing they can do to help me recover my money.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 2022-02-20 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Someone has used my SSN to open a Target Store CC in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX put a late payment on my account. This was an auto pay issue and the store recognized the issue on their end and fixed it when i disputed it. However, the late payment was never removed from my credit report by the credit bureau and its affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX university made false promises about job placement after I graduated and 3 years later I still can not get hired in the field I graduated from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I got this email from Speedy Cash on XX/XX/2022 to my email address saying that I would be able to get a loan in the amount of {$5000.00} if I was approved and {$150.00} would be my payment that would be debited from account. So I called them inquiring because I was trying to get a loan so when I talked to the XXXX XXXX XXXX XXXX he asked me how much of a loan I was trying to get and I told him {$3000.00} and he told me that my payment would be {$91.00} a month and it would be debited from my account each month, so he sent over the application with the loan amount and how much would be debited from my account on the paperwork and asked me to sign the application and I did then he asked for my bank information and I gave it to him thinking this was a legitimate business and it turned out to be a scammer. Because he forged my name and deposited money into my account and into my mom 's account since we have a joint account, she is the rep payee for my account and now the bank think that I have defrauded them which I never did. The money was never in my hands and the bank have sent me papers in the mail saying that they put some checks on hold that was deposited into me and my mom 's account and then sent a check that this company sent to them made out to me in the amount of {$900.00} and my name is forged on the back. XXXX XXXX sent to my {$1500.00}, {$3000.00}, {$5000.00} and {$2500.00} and {$1500.00} and {$900.00} to my mom account I proof on my email of money that was sent to my bank account that was forged in my name that I never signed for. Speedy Cash needs to pay me for my hardship of having to go through this and losing my bank account and being accused of something I never did I think they need to pay me restitution and charges needs to be filed against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX, I initiated two fund account transfers to be transferred from my suntrust checking account to my XXXX  accounts. One for {$1000.00} and one for {$1500.00}. On XX/XX/XXXX, suntrust sent two emails stating that the fund transfers had been stopped. I did not see the email until Thursday, XX/XX/XXXX and made a call to the digital department. The representative said that she could not release the funds because she could not send me a code due to me changing phone numbers and I would have to go the branch. I went to the branch on the XXXX and after assistance with the branch officers, the male representative confirmed with me that I did initiate the transfers and he was releasing them back into my Suntrust account. He said it would be 3 - 5 business days. I have made several calls the following week to the the banking department, customer service and digital department for an update or status. One representative in the digital deparment told me on Thursday the XXXX that they were sent to XXXX  and advised her that they did not. I went back to the branch and spoke with the same branch officer and he expedited an escalation but still said it will be 24 to 48 hours, I even went to XXXX  on the XXXX to confirm. This is my paycheck and I am incurring late fees with my mortgage because I can not pay it due this problem and some other bills. I need my fun0 days later but now. I am concerned because now my XXXX  accounts that were set up for transfers are gone when the system was upgraded to truist along with evidence of my transfers pending. This is my fear that my money is limbo or in someone else account. This is going on two weeks and someone higher in the operations building may have to look into this. The name on my email is XXXX XXXX but my account is 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 explanation