vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi had a promotion being offered that said when you open a Citi XXXX XXXX Credit Card and spent {$1500.00} within the first 6 months of opening the account you would receive a {$200.00} statement credit in the form of XXXX Thank You points which can be redeemed for a statement credit, gift card or other offers. I opened my account in early XXXX of XXXX, and was able to clear well past the {$1500.00} spending amount by spending well over {$2000.00} within the first 6 months of the promotional period. After waiting a couple months after the promotional period ended and never receiving the credit promised, I opened live chat with a representative about not receiving the promotion on XX/XX/XXXX. During a lengthy conversation with a representative named XXXX, this person kept making false claims stating I didn't meet the purchasing requirements. However, I have statements and XXXX also claimed they could see the statements on their end, showing well over {$2000.00} spent within the promotional period. In my opinion, XXXX was using word salad and being dishonest right in front of me since we were both looking at the same statements. It's very clear they are attempting to get away with not honoring their own promotion. This is my first credit card and/or doing business with Citi Bank in any capacity, and I am shocked and appalled that they would fight me over a {$200.00} statement credit on a promotion they offered me to open a Credit Card XXXXo begin with. Why even make the offer if they are just going to be dishonest and attempt not to credit it when the offer is completed on my end? I honestly can't believe I even have to file this complaint, this is very 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 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
I am in the middle of a XXXX, my financial situation is difficult at best. I took the loan out to help temporarily, and they are charging me like XXXX XXXX  interest. 

More importantly, I was running a bit late, and so I got on the phone with them to discuss my options. They told me they would push my XXXX payment to XXXX first, and my XXXX payment would be due XX/XX/XXXX. They wouldn't do anything with XXXX and XXXX 's payment, meaning I would then have to double up in XXXX and XXXX. I thought everything was fine. Then they reported me as 30 days past due, even though they voluntarily pushed the due dates for both payments. They misreported my payment history on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
XXXX Freedom Mortgage has generally been a reliable partner, so I found it surprising to encounter issues during recent phone calls. 

During the week of XX/XX/XXXX, I reached out to inquire about our options since we had fallen XXXX months behind on payments. During the call, I was informed that I could either spread the missed payments over the next XXXX months or add them to the back half of the loan, and possibly even add a third missed payment, to the latter portion of the loan. The representative mentioned that a packet containing further details would be sent. 

On XX/XX/XXXX, I called again to inquire about the status of the packet. The lady I spoke with informed me that I had been approved for a loan XXXX, which involved adding XXXX months of missed payments to the end of the mortgage. However, due to the outstanding balance exceeding XXXX XXXX of the principal, which was around {$450000.00}, adding a third missed payment would result in an increase in the interest rate from XXXX XXXX to XXXX XXXX for the duration of the loan. 

My concern arises from the discrepancy between what the first representative mentionedadding XXXX or XXXX paymentsand the terms presented during the second call. If we were to add XXXX payments to the end of the loan, we would remain at the XXXX XXXX interest rate with a monthly payment of {$3200.00}. However, according to Freedom 's calculations, opting for the XXXX loan XXXX would escalate the interest rate to XXXX XXXX, resulting in a {$1000.00} increase in monthly payments. 

Furthermore, I sought clarification on the current amount added to the outstanding balance within the XXXX XXXX threshold. Despite previously undergoing a loan modification during the XXXX pandemic, a monthly payment of {$3200.00} for XXXX months totals {$76000.00}, suggesting that there should still be sufficient room within the XXXX XXXX limit. 

In summary, it appears that the terms presented by XXXX Freedom Mortgage are advantageous for them. We require all three missed payments to be added to the end of the mortgage or, alternatively, the XXXX and XXXX payments added to enable us to make the XXXX payment.

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 2024-05-03 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: FL

Complaint narrative:
Please delete these inquiries. I have no knowledge of them, and the company did them without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX XXXX lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX XXXX CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo

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 2024-05-03 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-03 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: CA

Complaint narrative:
I noticed some incomplete and inaccurate information on my credit report. 

By federal law, under Section 609 ( a ) ( 1 ) ( A ), they are required to verify any accounts you post on a credit report by physically verifying the original signed contract. A fraudulent account could be faxed, mailed, or emailed in by anyone paying for their reporting services. 

Please provide me with verifiable proof ( i.e., an original consumer contract with my signature ) for the following account or they shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX In addition, I found an inquiry that was being reported that I did not authorize. Under 15 U.S. Code 1681e ( b ) accuracy of a report, whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I am requesting that this inquiry is immediately removed. I have attached a screenshot for your convenience : XXXX  XX/XX/2022

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-05-03 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: TX

Complaint narrative:
Nelnet student loans has been stealing money from those with student loans. They claim they can not draw money from my checking to pay my loan. Every time I pay over the phone, using the exact same account, I do not have issues. When setting up the auto pay I used the exact same account. They claimed I They couldn't withdraw the funds ( there was more than enough in the checking account ) and then put my loan in forbearance, allowing themselves to make more on the interest of my account. I went online to see if others were having similar issues and was shocked to see what seems like EVERY person with nelnet loans has issues. I've made claims with studentaid.gov and they just forward them to nelnet who does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I believe Trans Union is committing fraud. I attempted to get my credit score from Trans Union today, but it noted that it costs {$0.00} ( cents ) to obtain a score. I proceeded to follow the process to obtain a credit score. 
After clicking the submit button, Trans Union 's website noted they were unable to process and provided a number ( XXXX ) to contact. 
After I called the number, a representative ( XXXX XXXX noted that obtaining a credit score would cost {$99.00}. I asked to speak to a representative. After speaking with a representative and refusing to pay {$99.00}, it was suggested to go through XXXX XXXX. 
I later discovered that my bank account was being charged each time I attempted to obtain my report. 
After calling Trans Union to dispute the charge, Tran Union noted the could not issue a refund. This appears to be corrupt and fraudulent from Trans Union.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have requested multiple times for this Account to be removed from my report. 
XXXX XXXX. Multiple letters sent, multiple disputes from me and XXXX to remove account. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-05-03 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: WI

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-03 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-05-03 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: PA

Complaint narrative:
I reach out to transunion to have a fraudulent inquiry deleted I have spoke. To the company an they have already stated they have request for transunion to delete inquiry transunion not cooperating an this is unfair please have transunion delete this inquiry

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 2024-05-03 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: TX

Complaint narrative:
XXXX XXXX XXXX increases my balances and interest on a closed account and tagged it adjustments, on XX/XX/XXXX and i lost XXXX scores XXXX XXXX and XXXX scores on XX/XX/XXXX on XXXX .find attached the evidence attached. These adjustments were the payments I made from XX/XX/XXXX. Which XXXX XXXX XXXX reported to credit burea that I never paid then I filled a claim with my bank where they payment was deducted from my bank account but XXXX XXXX XXXX refused to respond to the bank dispute and sent me a mail to ask my banks to write with letter their letter heading that the payment was reversed in error because XXXX XXXX XXXX got a letter from Consumer finance protection bureas they want to push the blame to my bank. Since my bank refused to write the letter XXXX XXXX XXXX wanted to cover their discrepancies they increased my balance on a closed account I no longer use the card .how did the balance increase .this is a clear indication that XXXX received all my payments and still added negative remark on my transunion and XXXX only because XXXX had disputed the account and know their deliberate discrepancies. 
Transunion and XXXX responded they are investigating the case since XXXX year XXXX till date because XXXX XXXXXXXX refused to respond to my dispute but credit burea kept reducing my credit scores on this XXXX XXXX XXXX reported lies.

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