vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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: VA

Complaint narrative:
In XX/XX/XXXX, I applied for a Double Cash Credit Card with Citi. At the time ( as is still ongoing ) there was an advertised sign up bonus on their website. It stated that new cardholders will receive the equivalent of {$200.00} in Thank You Points after spending {$1500.00} in six months. This bonus was advertised both on their website and third-party sites with no listed caveats beyond not having received the bonus on a Citi Double Cash account in the past. 

I applied and was approved for the card in late XXXX. I did not receive the initial card sent to me, so I called customer service who sent a replacement card in early XX/XX/XXXX. Once I received and activated the card and proceeded to spend the required amount to receive the sign up bonus in XX/XX/XXXX. 

After waiting two full statement periods, I noticed the promised bonus had not yet been applied to my account. I called customer service on XX/XX/XXXX to inquire as to I had not received the bonus. I was told " I was ineligible '' for the bonus. When I asked for more details as to why, I was not given an answer beyond my " not being eligible. '' I then asked to have my inquiry escalated and was told they would open a research case and update. me within 5 to 10 business days. 

After waiting considerable time without a response, I called Citi customer service XXXX XX/XX/XXXX. I was again told that they did not see my account was eligible for the bonus. I was able to provide " proof '' of the bonus, it could be applied to my account. However, no proof is available. I applied from the Citi website where the sign up bonus is publicly and widely advertised. My new account disclosures only contain information regarding interest rates and account terms. 

I feel that Citi is partaking in false advertising by refusing to provide the advertised bonus to all customers. This bonus is not targeted and has no limitations beyond what I stated earlier.

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 2024-03-23 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: NJ

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. 

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 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 2024-03-23 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: MS

Complaint narrative:
I sent equifax credit bureau a letter to verify XXXX financial account number XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and Active duty Alert. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX  XXXX credit report but came back verified on my equifax credit report how is that possible when the equifax credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
OneMain was recently forced to pay 10 million for deceptive sales practices to consumers. The reason for this complaint, is the money was given to CFPB and we have to submit a complaint to receive money for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of XXXX, my wife was involved in a pig butchering scam. We had a joint account at Bank of America in XXXX, California, outside of XXXX XXXX. On 4 dates, she had made transfers for a total of {$190000.00} to a crypto account, that was then transferred to the criminals who stole the money. They originally contacted her via XXXX. Once I found out the money was stolen, I went with my wife to BOA to address the situation. They stated that she had made the transfers, that I had no right to be contacted about the wire transfers, and that they would look into it. I signed a statement, which reviewing it now, is a complete lie. On that statement, it said that I had made the transfers. I was not the person going to the bank making the wire transfers. That was my wife, and I had no knowledge. The manager there wouldn't give me her name as if she was the manager of a XXXX 's. Mind you, the treasury helped support banks like this to the tune of billions of dollars in 2008, and BOA was able to buy a mortgage company at a fraction of their price. A few months later, I get a statement from BOA saying they couldn't recover the funds. XXXX transfer ( $ XXXX on XXXX XXXX, XXXX ) she made from the Bank of America to XXXX to buy XXXX. XXXX transfer ( XXXX XXXX, XXXX ( $ XXXX ) ) to XXXX to buy XXXX. Third transfer, XXXX XXXX, XXXX ( $ XXXX ) to XXXX to buy XXXX, and fourth transfer, XXXX XXXX, XXXX ( $ XXXX ) to XXXX to buy XXXX. 

When we reported this to the sheriff at XXXX, and provided him with all the information, he never even filed a report because he said there was nothing he could do. 

I would like to know this : Were these transfers, because of their amounts and short time period, ever reported as required of these types of banks by law? I want my money back, and I want my government to shut down all crypto exchanges. Do your job.

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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want XXXX removed from Social Security number ( XXXX XXXX area/field of my consumer report. This information is in accurate and I would no version of my Social Security number to be reflected on my consumer report in any way. This is my right to privacy as a consumer pursuant the privacy act of XXXX. 


I would like the following hard inquiries removed from my credit report per XXXX XXXX XXXX permissible purposes without my permission. The following information legally can not be reported. Therefore, I want it removed immediately. 

XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX And XXXX Inquiry : XXXX XXXX, XXXX Bank ( 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 2024-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NV

Complaint narrative:
I received a letter from a collections company for rent I owed at an apartment building in XXXX Oregon from XX/XX/XXXX, XXXX XXXX, XXXX. I have not lived in XXXX since XXXX. I have not visited since my best friend 's baby was born 3 years ago. XXXX XXXX XXXX is the company that contacted me and they have not sent me the fraud packet as they have said they would twice now. There has been no follow up action by the apartment or the collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
Last year i found out i was a victim of identity theft, i called the bureaus and they told me what to do. i followed there instructions to the tee and the accounts still havent came off. please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
Last year i found out i was a victim of identity theft, i called the bureaus and they told me what to do. i followed there instructions to the tee and the accounts still havent came off. please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
See attached letter from BMO XX/XX/XXXX and review my attachments to prior complaint, XXXX. BMO was bound to adhere to loan service terms established in XXXX with Bank of the West, wherein : Interest payments were auto-withdrawn monthly in whatever amount. Principal reduction payments always made in round, whole number figures, ( {$200.00}, {$400.00}, {$600.00}, {$800.00} ) for simple monthly and year-end accounting. Monthly statements corresponded precisely to interest and principal payments. 

XX/XX/XXXX letter demonstrates mis-application of principal payments to XXXX XXXX XXXX XXXX XXXX XXXX unexplained charges resulting from BMO failure to auto-withdraw XXXX, ( They claim they just didn't know how much to withdraw, so too clueless to adhere to the loan service terms ) which led to double-charging and triple-charging interest payments, without permission, without authorization. Principal payments diverted to other schemes, resulting in chaotic accounting and wildly wrong amounts on year end XXXX XXXX filed with XXXX Principal paid as reported over {$1000.00} too low. Ending principal owed over {$1000.00} too high. XXXX deception scheme led to significant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I took out a personal loan with XXXX by Goldman Sachs in XXXX of XXXX. I was current on all payments when the loan was suddenly sold to XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX. After the sale and subsequent consumer notice, I was unable to access any information on my loan from the XXXX XXXX XXXX and had to work through XXXX for all account statements, payment, and payoff information. 

Upon notice of this, I paid off the loan, at XXXX, immediately. My balance was {$0.00} at the end of XXXX, and no statements were generated. 

As of XX/XX/XXXX, I noticed that the XXXX account XXXX still displayed as 'open ' in my report with all three credit report bureaus. I filed disputes with all three indicating the account was sold, and that it should be showing closed. In all cases, XXXX XXXX XXXX to the credit bureaus showing the account should remain open with the same balance as when the loan was sold. There have been no subsequent payments or late assessments to the account- it has just stayed stagnant on my profile. 

In certain cases, a similar account was opened with XXXX in XXXX of XXXX on my credit profile, showing the amount of the loan balance at sale. Some of those have subsequently closed. This indicates that the loan did indeed transfer entities, and XXXX XXXX not file the appropriate paperwork with the credit bureaus to show the closures when they offboarded the loans. And further, upon inquiry from the credit reporting agencies, they again confirmed that they believe the account should reflect as 'open '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: OH

Complaint narrative:
I have been fighting to get my life straightened back around since I found out I was the victim of identity theft. This has been doing really well with my disputes aside from XXXX from XXXX. From my research online, it appears to be some sort of pay as you go type of charge account. I have sent XXXX XXXX theft avadavat letters which none have been responded to as required by law. I am unsure how the credit bureaus are getting any verification from them, when they are not responding to me, unless the investigation is truly not happening. I finally was able to get communication from XXXX via email in which they found the account did not belong to me. I supplied this information to XXXX and Equifax on my last round of disputes and it still has not been removed. I am not sure why this incorrect information is intentionally being left on my credit file even though the creditor itself states that it is incorrect and XXXX and Equifax was supplied this information. This incorrect information is causing pernicious mental and financial harm to my family and needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2024-03-23 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: NJ

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I sent NAVY FEDERAL a properly endorsed negotiable instrument for payment that was notarized and authenticated by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This security was sent via registered mail to address XXXX XXXX XXXX XXXX Va XXXX with a USPS tracking code of XXXX which was delivered on XX/XX/2023 at XXXX XXXX EST. This instrument has been acknowledged but not processed to reflect on my account nor has the payment been returned to me by NAVY FEDERAL. 
I sent NAVY FEDERAL two letters to cure this matter in good faith. NAVY FEDERAL responded with three letters stating they were in receipt of the instrument and one of the two letters I sent. Their letter to me also stated that this does not release me from my obligation and I remain responsible for repayment.

In NAVY FEDERALs response letter they labeled this as incident # XXXX. However, even upon repeated request NAVY FEDERAL has refused to either process my payment or return my payment ( security ) in its original form. 

UCC 3-603 ( b ) states that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

I have tried to rectify this matter in good faith, but since NAVY FEDERAL has failed to properly perform their fiduciary duties I have been encouraged to report this matter to the proper authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
I am not liable for any debt with XXXX XXXX Accounts, XXXX, and XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us, this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. account. 

This is just not fair.

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 2024-03-23 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: MI

Complaint narrative:
Hello, I have requested XXXX XXXX and XXXX to produce and send me. All original contract documentations pertaining to alleged debt. That is being reported as a XXXX on my TransUnion credit profile. I sent a certified letter on XX/XX/XXXX requesting these documentations. It is now XX/XX/XXXX well over 30 days. That they should have had more than enough time to send the requested original contract documentations. I went to my local post office to check and confirm that it was delivered to the company. I had them to use my certified mail receipt to track and confirm that it was delivered. The postal service called XXXX XXXX and XXXX local postal office. Using my certified mail receipt to confirm that XXXX XXXX and XXXX did in XXXX picked up the letter and that they did received it. Now some how XXXX XXXX and XXXX avoided signing and confirming that they did indeed received my certified letter. How someone who picked that certified letter up without signing for it is beyond me. Again, my postal service call their postal service and they confirmed that the company picked up the certified letter i sent to them. 
It's been well over XXXX plus days and XXXX XXXX and XXXX has yet to produce or mail the original contract documentations pertaining to alleged XXXX that is being reported on my TransUnion credit report. ( See Attached certified letter mail date and receipt )

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