vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have applied for an IDR since the first week of XXXX. Since then ; I have called XXXX different times and was told to correct my application. First time was about submitting 3 months worth of pay stubs, XXXX time was stating I needed to send a letter stating how much I make ; XXXX time I was told the letter submitted was blurry and I should just verbally state to the phone rep that what I reported from my tax return was true. I was told it would take up to XXXX weeks to process. That was a month ago. I was told each time I called that it would take up to 15 days for the application to be complete. Each time I asked if it could be rushed because this process is stopping me from getting a HELOC to get some EMERGENT work done on my home. This process is causing me medical problems from stress. I am stuck and can't move forward. I can't afford to pay for the work on my own, I worked hard to raise my credit to qualify for a loan, and this is holding me back because the original paymet was more than XXXX of what I make right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.

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 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
They claimed to be from XXXX  XXXX XXXX fraud detection and said an account had been opened using my information and was making zelle transactions from my account and I had to enter cancellation codes into the zelle app so I was under the impression that what I was doing would cancel these transactions. They had me go into the zelle app and enter 'cancellation codes ' into the app which ended up just sending the money to XXXX XXXX . I did not authorize any payment as I was under the impression I was cancelling a transaction and they called from the official XXXX  XXXX XXXX number and provided me with personal information that the bank would have access to. I contacted my bank to get it reversed they said there is a good chance they will not be able to reimburse me, this was the associated case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: TX

Complaint narrative:
On or about XXXX XXXX, XXXX, PayPal sent approx. {$29.00} to " XXXX XXXX XXXX '' that was supposed to give me " criminal records '' for a woman harassing my XXXX  father. They promised criminal records were found/available, but were unable to provide any, AFTER taking my money. I asked for a refund, provided proof of not only bait-and-switch but also false advertising. Yet PayPal refuses to give me my money back. 

PayPal again abused me when they refused to refund me {$50.00} charged by XXXX XXXX on or about XXXX XXXX, XXXX. This is despite me sending them proof that I had requested a cancelation of service approx. 48 hours before the automatic rebilling occured for a subsequent month of very sub-standard cell phone service. I did not use the services sold for such a high sum of money, either. 

In addition, that approx {$80.00} that should have been refunded to me long ago has caused me to skip meals as I can not afford groceries at this time and any response to paypal is met with " you can not email us at the address we emailed you from '' kind of XXXX XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I have received a credit card send me a denial letter for a credit card. I was not the person applying for this card as i already hold one of these cards. I would like for my credit and identity locked and blocked. I have no idea how many more that they will try to open. Me credit score has been dropped to below XXXX points. Thank you, 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 2023-11-26 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete these items as possible as per 15 U.S. Code 1681 c-2

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 2023-11-26 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete these items as possible as per 15 U.S. Code 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been overcharged for a hotel stay and have two companies ( XXXX XXXX and XXXX XXXX ) pointing the finger as to who has overcharged me. As both merchants charged my Citi card, I have filed disputes with Citi. However, I only receive form letters back from Citi indicating they have found in the merchant 's favor because the amount billed appears to match the invoiced amount. This is a more complex and nuanced issue than a typical dispute and I can not get ahold of anyone at Citi that can sufficiently discuss the situation with me. Citi reps have instead told me to send in appeal letters to update the reason for appeal, etc. I initially sent dispute documentation on XX/XX/XXXXXXXX  and sent additional documentation on XXXX, XXXX, and XXXX. However, I keep getting the same type of form letters back from Citi with no indication that anyone has reviewed the nuance and details of this situation. The form letters indicate I'm only claiming there is a discrepancy in the amount charged versus the amount invoiced, which is not at all correct. 

In summary : I relied on misinformation from a merchant, XXXX XXXX, when booking a pre-paid hotel stay at the XXXX XXXX. With this misinformation, I canceled an XXXX {$2800.00} order and rebooked on XXXX in the amount of {$3200.00} for the same exact hotel room and dates of service after a rep confirmed the higher cost avoided being charged fees by the hotel directly. 

At check in, I provided my Citi card to the XXXX XXXX so a hold could be placed for any incidentals. There was no mention of any resort fees, tax charges, or anything other than a temporary hold. Upon check out, I received a bill for {$320.00} and my Citi card was charged on XX/XX/XXXX for a daily Service Fee, Service Fee Taxes, Service Fee City Tax. XXXX XXXX  own Terms of Sale state : With respect to hotel products, the rates offered on this Website are rates for pre-paid reservations. Your credit card will be charged the full amount immediately and the total price includes all tax charges and service fees. This amount was to be included in the payment to XXXX XXXX. 

I have tried disputing ( and appealing ) the XXXX XXXXXXXX XXXX charge as one XXXX  XXXX  rep indicated I should not have been charged the {$320.00} as it was paid to them. However, Citi found in the merchant 's favor. I have tried disputing ( and appealing ) a partial amount of the XXXX XXXX for the {$320.00} that their own terms state were to be handled by them. However, Citi found in their favor as well. 

If Citi is fully investigating, I fail to see how they could find in favor of both merchants. I have certainly been overcharged by at least one 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 non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have found some accounts on my report that I do not recognize, and I would like to get them removed if they can not be verified.

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 2023-11-26 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing to help me with the removal of these accounts. 


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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My account, ending with XXXX on the Quicksilver card, had a 0 % promotional interest rate until XX/XX/. After this promotional period ended, normal interest charges would be applied to my account. My account 's cycle ends on the XXXX of each month, with payments due on the XXXX of the following month. 

To avoid incurring any interest or late charges, I diligently paid all recurring bills totaling {$3600.00}. I understood that since the XXXX falls after the cycle ending date, it shouldnt be an issue if I paid by the payment date, as confirmed with a representative previously. However, despite this, I received an unexpected interest charge of {$74.00}. 

Upon speaking with a representative and a senior advisor, I was informed that I should have paid the full amount by XX/XX/, which was my payment date for XXXX, to avoid incurring interest. Unfortunately, this information was not clearly communicated on your card app or website. It was only stated that payment should be made by the XXXX, without specifying the repercussions of not paying by the XXXX. 

While I understand the need to adhere to the agreed-upon terms, I am puzzled by the unexpected interest charges that were not explicitly outlined in my account details. Notably, I have consistently made all payments and never missed any deadlines. Therefore, I am dismayed by these charges. I also made all recurring payments on XX/XX/XXXX before XXXX XXXX  EST to prevent any further interest accrual, considering that XX/XX/XXXX falls after the XXXX cycle ending date, which is the XXXX of each month. 

Moreover, even if I have to pay the interest, what I am struggling to understand is that I'm required to pay the full 30-day amount of interest. Considering my promotional ending date was the XXXX and between the payment date of the XXXX, there were only three weeks where charges were incurred, not the entire 30-day period. Therefore, I kindly request a thorough investigation into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 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: U.S. BANCORP
State: NJ

Complaint narrative:
I called Valley Bank requesting a rewards redemption check. Their representative said the points had expired and that an e -statement had been sent to me notifying me to use them prior to expiration.

I have never opted into e - statements and did not receive one. I told them i always get paper statements and had never received any such written information about using or losing them. 
The bank rep said the account was switched to e - statements a few months prior but could not tell me who switched the account and could not rectify the problem.

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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. My complaint is with the company comenity NFL card through Bread Financials. They call me contacted at XXXX. 
On XX/XX/XXXX, I made a phone to the fraud department on two charges that were not mine through a company called XXXX XXXX XXXX charge of {$150.00} and the other charge was {$350.00} dollars. I told the representative that those charges were not mine and to cancel my credit card which they did. The representative told me to allow 90 days to resolve my case. the charges were taken off several days later. Now on XX/XX/XXXX, I noticed the charges were back in place again and called back that day to find out why these charges pop up again. They said that I will receive a resolution letter in the mail to explain why the charges where not taken off. The letter I received said that they were able to find no basis to support this claim. So I can the fraud department again on XX/XX/XXXX to find out and get an explanation on why I was denied. The talk to representative and only could provide that an email was sent and that the delivery was sent to my address. The problem is that they could not provide me the delivery date and tracking number to those items charged. Also i never received an email on XX/XX/XXXX or XXXX of a charge by XXXX XXXX of a purchase.I just upset that there investage did a sloppy and lazy job on my investage and trying to charge me over XXXX dollars with very limited information 's on my case. I would love for you guys to reach out to them about my case,. I still wanting for them to provide me documentation of the transaction which thewy have not so far. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On my transunion credit report these unauthorized hard credit hit on my report. 

XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Financial ) XX/XX/XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( miscellaneous ) XXXX XXXX XXXX XXXX XXXX ( Bank )

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On my transunion credit report these unauthorized hard credit hit on my report. 

XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Financial ) XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX miscellaneous ) XX/XX/XXXX, XXXX XXXX ( Bank )

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
i have disputed this account for two years and no resolution. 
I WAS DENIED FOR AN ACCOUNT WITH KIKOFF AND i have proof. i have my denial and no emails about payments or even a log in being made. i never had access to this account. i have never been late because i never had an account. this is a terrible error that made my score suffer for years! i couldnt get an apartment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been a victim of identity theft and my file XXXX has been suppressed due to the severity of usage of my identity I have did reports and still nothing has been done to clear or correct this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
An on-line item was orderd from XXXX, and paid by Discover. 
Item was never received. XXXX  provided XXXX shipping information stating that the package was dropped off at our building during the weekend. 
The entire building complex is closed on the weekend. 
XXXX has mailed the item with regular mail. 
XXXX can not help me since I am not the sender. 
Discover is stating that I must file a claim with XXXX despite the fact that I can not. Discover it is not honoring their credit card advertising commitment ; " Discover cardmembers have a {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Card account ''. 
After speaking with Discover customer service earlier today, I cancelled my card that I had since 2008, and they are not willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Never received full benefits, Only half payments. Bank Of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my current credit report and the previous addresses on file have not been removed

Company response to consumer: Closed with explanation