vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX while attempting to book a flight with XXXX XXXX, an advertisement for the American Express Credit Card appeared. Intrigued by the offer, I decided to check the terms and found that I met the eligibility criteria. Consequently, I proceeded to submit an application. 

I was excited to take advantage of the welcome offer, which required me to spend {$2000.00} within a specified time frame. I met this spending requirement as prescribed. 

After not receiving the welcome offer as expected, I contacted your customer service on 3 times. To my surprise, I was informed that I was not eligible for the offer, despite meeting the requirements as outlined in your terms and conditions. 

A promise was made to investigate this issue, and I was told that I would receive an email within a couple of weeks with further information. However, I did not receive any communication from your team. 

Feeling frustrated and concerned about the situation, I reached out to your customer service again on XX/XX/XXXX. The representative I spoke with was unable to provide any resolution, so I requested to speak with a manager. 

I was connected with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who also appeared unable or unwilling to help me resolve this issue. 

Left with no other option, I sent an email to your customer relations department, but I received no response. 

On the same night, I contacted your customer service yet again to ensure that my concerns were being addressed. I spoke with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who attempted to assist me but ultimately could not resolve the matter. 

My experience throughout this process has been incredibly frustrating and time-consuming, and it has left me feeling unsupported as a customer. I believe I have met all the eligibility criteria as stated in your terms and conditions and should rightfully receive the welcome offer as initially promised. The lack of communication and assistance from your customer service team, as well as my inability to receive a satisfactory resolution, has been extremely disappointing. 

I am now left with no choice but to consider submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. However, I would prefer to resolve this matter directly with American Express if possible. I urge you to reevaluate my situation and take the necessary steps to ensure that I receive the welcome offer I was promised. 

I kindly request that you investigate this matter promptly and communicate the results of your investigation to me in a timely manner. I believe in the importance of a positive customer experience and hope that this issue can be resolved amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX based on the Citi Bank new checking online promotion for a future bonus payment of {$1000.00}, I followed the application and promotion instructions as required by Citi Bank. I proceeded the application process with several phone calls to Citi Banks Customer Service group to verify the promotional offer and requirements. Upon completing the application, I received an approval with no mention of the promotional bonus offer. When I called to inquire about the missing offer confirmation, I was told that the account would not include the promotion bonus. This " bait and switch '' tactic to attract new deposits by Citi Bank is deceptive, unacceptable and unethical!

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 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of Identity Theft! I do not have a record of doing business with these companies. They are not mine.

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 2023-11-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX and XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
In XXXX I became a victim of identity theft. I have tried to verify debts and payments owed. 

XX/XX/XXXX I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. 

XX/XX/XXXX I submitted a complaint to the Better Business Bureau about Enhanced Credit Recovery ( ERC ) stating that I did not enter into an agreement with the company. 

XXXX XXXX XXXX XXXX XXXX XXXX  adjusted my credit report and removed the collection from my account,. 

XX/XX/XXXX I submitted a dispute with XXXX about the inaccurate report concerning ERC stating that I did not enter into an agreement with the company. 

XXXX XXXX XXXX XXXX stated that ERC confirmed the information as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MI

Complaint narrative:
Nelnet has had since my initial application which was submitted in XXXX, to process my SAVE application. I have received no word other than the status is " pending, '' meanwhile they are charging me as if I was on an IDR, which is significantly more. I was able to scrape enough to pay the inflated amount in early XXXX, but got another bill for XXXX which was expecting the same amount. I logged into my account to see a notification that said Nelnet " required a payment '' from me before they would process my SAVE application. I had made a full payment on IDR at this point. The notification also referred to an email which I never got : " Please refer to the letter or email we recently sent with details about the payment amount ( s ) needed. '' I never received any letter. So I called the line last week, spoke to someone who instructed me to pay XXXX dollars. I asked them why my full payment did not count as a payment to process my SAVE application, and they put me on hold for many minutes, and then told me that it did and that they'd annotated my account. 

I am now logging in today to find myself still being charged for IDR rates, my Nelnet account still waiting for another payment ( which I caved and made today of an additional XXXX dollars ), and the status of the SAVE application completely unchanged. 

I have also NOT been offered administrative forbearance from this servicer for this loan as they process SAVE applications en masse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have tried and been denied the use of this XXXX XXXX Citi Bank XXXX XXXX card on several occassions since only opening this card in spring of XXXX. Just prior to traveling to the XXXX XXXX in XXXX XXXX  I called them to let them know I'd be traveling, when and where I'd be traveling, and was told that unless I could give them the zip codes of where I would be traveling and where I might be using the card, they would lock my card and not allow me to use it. This even though I told them where I was traveling to ( what states ), what geographic areas I would be in while traveling, and when I would be traveling there. Other than the initial transactions, used at a Macy 's store, other purchases have been blocked and my card has been blocked from any use. I tried using the card in XX/XX/ to purchase concert tickets online, only for that transaction to be declined. I attempted again today, XX/XX/, to purchase concert tickets once again, only to be met with the same results. I have called the XXXX XXXX on the card, now for the XXXX time, only to be told the card is locked and a letter has been sent that will take XXXX business days to receive. While the letter is being sent, the card will be locked and not able to be used. They say a previous letter was also sent ( although they can not tell me when the letter was sent nor the context of the letter ). I verified my personal info with them several times and yet they refuse to tell me why the card was locked to begin with and what it will take to unlock the card. I provided them with my name, address, and even the last four of my social security number. My call was even escalated to a supervisor only to be told that escalating the call would do me no good since they can't tell me anything. At this point, the card is useless, and the people servicing the card are of no help whatsoever. They can't even tell me what it takes to pay the card off with the result of cancelling the card. I either want the access to use the card as I have requested and at my discrestion or I want the card cancelled so I can pay the balance off and move on from this joke of a credit card.

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 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ACI Worldwide, Corp.
State: CA

Complaint narrative:
On XXXX XX/XX/2023, I attempted to use Official Payments/ ACI Paymetns , Inc. to pay my state taxes by credit card. I could not log into my accounts ( nothing happened/site did not respond ) so I continued to check out as a guest. After filling out all the form fields, entering my payment info, and hitting submit I received an Access Denied error. 

Access Denied You don't have permission to access XXXX XXXX XXXX XXXX XXXX' on this server. 
Reference XXXX XXXXXXXX Access Denied You don't have permission to access XXXX XXXX XXXX XXXX XXXX' on this server. 
Reference # XXXX XXXX XXXX XXXX I tried accessing the sites again in XXXX mode using XXXX, XXXX, and XXXX. I even tried again today. I still can not access the websites. 

I called the customer service number at XXXX and could never reach a human for assistance. 

I emailed customer support at XXXX and have yet to receive a response beyond an automated copy/paste response. 

I can't believe this compay is supposed to be a payment processor for federal and state taxes! Completely unprofessional and untrustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has a student loan listed on my account that was transferred to another lender. The loan that was with XXXX was transferred to XXXX. The loan was subsequently forgiven under the XXXX XXXX XXXX XXXX XXXX. I filed a dispute with a statement that showed a XXXX balance on both loans. They still have the loan as open with XXXX. XXXX has it correct. XXXX doesn't have any of my student loans at all. The crazy thing is that Experian has the loan listed twice with XXXX. Once as still being open with a {$25000.00} balance and once with a XXXX balance. I can't understand why they don't see that the account numbers are the same. I want this removed from my credit file immediately. The loan shows a XXXX balance with 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 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Financial Services
State: IL

Complaint narrative:
The loan company I was with before they repossessed my car keeps pulling my credit report every other month. I didnt authorize nor give them permission to since I signed for the car on XX/XX/XXXX of 2022. If you look at the photos Ive sent, theres two separate reported accounts from the company. There should only be one account. I dont want to keep dealing with this company or the manager who runs the store. Is there anything I can do too stop this from happening further

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XX/XX/2023 I spoke with someone named XXXX who was supposed to fix this.XXXX I just spoke with someone by the name of XXXX who was very rude so I had to ask for her supervisor manager name XXXXXXXX who I then reported this wrong error on my credit report. He said it was nothing he could do XXXX. Inform me that they navigate this credit report of XXXX. This is hurting my credit score by doing this. I understand if they don't want to give me a credit increase. But they have no reason or no right to report my credit score at XXXX if my credit score is 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 2023-11-01 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: LA

Complaint narrative:
I have unauthorized inquires to my credit report. I was never made aware about these fraudulent inquiries. These inquires are a result of identity theft and they must be removed no later than four business days as per 15 USC 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
I have had numerous calls from a debt collector claiming their attempting to collect a debt. I ask them for proper documentation of this debt. They just say for XXXX XXXX. I never received any documents other than an email demanding I pay them. They gave me a reference number in that email but there was nothing explaining why they think I owe them.. I responded back asking them to again provide proof or any information that they might have. They have no solid proof or real reason as to why I owe them. Jefferson Capital did not provide validation of debt they claim I owe. I asked for debt verification and they simply provided an amount owed and payment plans. NO form of verification. They are simply hurting my credit score and harassing me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX and TransUnion XXXX : Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 2023-11-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax and XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Ordered, merchandise, took to long to receive it. Tried to cancel the bank saying the can't help me get the money back

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 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

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