vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
This is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. I will be filling another complaint for XXXX XXXX  also. Here 's what the original complaint stated. Thanks The consumer filed a Balance transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX XXXX  account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XX/XX/2020 The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX  says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # 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 monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I purchased at BestBuys an item for {$1600.00} with no interest for 24 months. On XX/XX/XXXX, this free interest expired. On XX/XX/XXXX, I realized something was wrong because my current balance which is also for purchases I made with no interest was approximately {$1000.00} more than I expected/calculated. I called the credit card company and they explained that on XX/XX/XXXX when the 24 month interest was due on the purchased back in XXXX, and payment was short by {$1.00} and therefore, the accrued interest in the amount of {$1000.00} was applied. I was shocked! as this was not what I expected. I had made all my payments on time, never late and continued making my payments on time and for more to avoid the interest. I was told that they give 20 days grace period to review and request a waiver. That it was to late to even try to request that waive. I had not idea. I thought I had calculated and set my payment to be automatically paid from my checking account. They most had continued receiving payments every 15 days, so they should had received about 15 days later a payment for {$65.00}, and another {$65.00} 15 days later after that, and so on, until XX/XX/XXXX when I paid a larger amount to avoid paying late the next no interest purchase I had made and was due on XX/XX/XXXX. I unfortunately did not pay attention to the interest accrued that was applied back in XX/XX/XXXX. On XX/XX/XXXX looking into my bank statement and making sure my payments were made is when I realized what had happened. I immediately contacted the credit card and pleaded to have those removed as I thought {$1000.00} in interest was unreasonable just because of {$1.00} short in payment for XX/XX/XXXX. They just continued saying how sorry they were but there was nothing they could do and that was that!. I asked to speak with supervisor and they put me on hold just to tell me that they will put in complaint but there may not be a response from them. Also, I am realizing now that I have been charged interest at 29 % on the interest that was accrued. I need help, please!!

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 2022-02-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The item I need deleted is in the report. I am a victim of identity theft and did not make this charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. And I also enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete this item as soon as possible.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, an individual made fraudulent online purchases on XXXX. The purchases ( 4 items ) totaled more than {$3100.00}. I went to my local Wells Fargo branch and immediately filed a fraud claim in an attempt to recoup the money that was taken. The original checking and savings accounts were closed to avoid further fraudulent transactions, and new accounts were opened. Money was returned to my account in the form of provisional credit and Wells Fargo continued their investigation. 

Today, XXXX XXXX, XXXX, I woke up to more than {$3100.00} being removed from my account by Wells Fargo, and the detailed information said it was a Card Claim Reversal of Provisional Credit. I don't have record of Wells Fargo notifying me of the impending action, and I certainly didn't have the money for that amount to be taken out. Their action virtually wiped out my checking and what little savings I had. 

Here 's what I know regarding the purchases leading up to this complaint : 4 online purchases were made on XXXX on XXXX XXXX ( cleared on XXXX XXXX ) XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$3000.00} XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$8.00} The transactions show up as two separate transactions on the original checking account ( {$3000.00} and {$150.00} [ the sum of the other XXXX purchases ] ) The items ( XXXX XXXX ) were picked up at XXXX XXXXXXXX XXXX # XXXX, which is in XXXX, Texas, near XXXX, a XXXX drive from where I live I spoke with a person ( XXXX ) in the Wells Fargo Fraud Division today and went over specifics. He said during their investigation and dispute with XXXX XXXX regarding the transaction, it was determined that sufficient evidence was supplied to indicate the purchases were authorized, although I never made nor authorized them. He said this is essentially a one-and-done process and that because of the finding, they could not refile the claim/dispute and that it was now considered a closed claim. I was not provided any other recourse or remedy. XXXX that the claim was closed and it's unfortunate that I was losing that significant amount of money. As part of that decision, they took back the {$3100.00}. 

I do not feel Wells Fargo represented my best interests in this matter and failed to perform their due diligence during their investigative process. Had they done so, I believe the result would have been different and this fraudulent act could have been corrected. Instead, I'm left paying for something someone else did that has and will negatively impact me for some time.

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 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : 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 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 XXXXXXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 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: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : 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 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 XXXXXXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My service contract with XXXX was cancelled prior to the first bill due. The records wasn't updated and the XXXX XXXX XXXX didn't notify the financial department. I have an email as proof. The account has been removed from both XXXX & XXXX, But not Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I completed my modification in XX/XX/2021 and started making my payments XXXX of 2021. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective XXXX and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
NELNET has totally and completely screwed up my total and permeant disability discharge on my credit reports and is reporting multiple duplicate accounts, FOURTEEN IN TOTAL, with grossly incorrect information and lies!! NELNET reported 14 accounts, NOT 7 discharged paid zero balance accounts and is dropping my credit score by XXXX points!! STOP THIS clear up my credit report! NELNET is reporting incorrect inaccurate information AND LATE PAYMENTS to ALL THREE credit bureaus, XXXX, XXXX and XXXX and this needs to be cleared up NOW!! There shouldn't be 14 accounts!! It should say 7 accounts, good payment history, CLOSED ZERO BALANCE, SEVEN ( 7 ) student accounts not 14!!

NELNET IS PREVENTING THIS XXXX VETERAN FROM PUTTING A ROOF OVER HIS HEAD BECUASE OF THIS GARBAGE!! I HAVE FILE A COMPLAINT WITH A US SENATORS OFFICE AND THE INSPECTOR GENERAL AS WELL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, Experian, and XXXX upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this 3 consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

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 2022-02-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN has XXXX  my FEDERALLY protected consumer rights.

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
They refused to process the application but they still ran my credit. I want both inquiries removed asap. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2022-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I have XXXX private student loans through Navient and XXXX out of the XXXX are showing past due dates from date ranges of XXXX with past due amounts. The reason for this is I went into forbearance and they never processed this the first time around and instead of fixing the problem then kept charging me. Due to the lawsuit made against Navient on the XXXX of XXXX I feel this negative marks on my credit report should be removed. Navient is unfair and unwilling to work with any of its customers. 

I do not have any documentation, but was in a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The 1098-E shows {$990.00} was the total interest paid to the loan in XXXX. In XXXX I only paid interest totaling {$420.00} and there was no outstanding interest in XXXX. 

The servicer can not advise what period this paid interest is for for the 1098 E or other periods of capitalization. I would like to know : 1. What loans had capitalized interest, the amounts, and periods for XXXX through XXXX

Company response to consumer: Closed with explanation