vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have had my student loans through Nelnet. In the last XXXX  months I have had my student loans forgiven. I noticed there was a portion of {$13000.00} left. I went to check on that amount at Nelnet.XXXX and it said my balance was at {$0.00}. I checked a few times to see if I could find out further information, it just said loans were paid. 
At the end of XXXX I received a credit report saying that I went from excellent credit to fair, it dropped XXXX points. I investigated to find XXXX XXXX  had taken over my loan and I was XXXX  months delinquent. They say they tried to contact me, I never received an email or phone call, no piece of mail. I looked back in my phone records and emails and have found nothing. I filed a report with them, they said no change in credit report will be done. 
My problem is I never received information that my loan was transferred, I would never let it go into delinquency. I have been in an income driven plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed 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 2024-09-23 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Dear American Express, I am writing to formally express my dissatisfaction with the handling of the Companion Certificate associated with my American Express XXXX XXXX XXXX XXXX XXXX. I was informed that I would receive this certificate, but despite several interactions with your team, it has yet to arrive. 

Below is a transcript of a recent chat with your representatives : Amex : " Great. I can see the Companion certificate issuance month is XXXX, so please rest assured it will be issued after XXXX to XXXX weeks. However, this is the maximum time. It will be issued after the XX/XX/year>, statement closing date. '' Me : " Yes, I understand that from the last representative. However, I wanted to clarify what under process means. Has it been under process for XXXX weeks now, or just a few days? As I mentioned before, I know XXXX others who have the card and they received their certificates immediately when their annual fee hit. Why hasnt mine been issued yet? '' Amex : " Under process means the XXXX team will check and issue the certificate accordingly. Since this benefit is provided by the XXXX team, for more details you need to contact XXXX. As we are from the card servicing team, we can only check the issuance month. '' Me : " I already contacted XXXX, and as I mentioned, they have not received anything from your side. '' Amex : " Please rest assured, you will receive the certificate. It is taking time, but after the statement closing date, you will receive it. You can contact us if you have not received it by XX/XX/XXXX. '' Despite being repeatedly assured that the certificate would be issued, I have yet to receive it, and this ongoing delay is unacceptable. Furthermore, other cardholders have received their certificates promptly, so its unclear why my situation is different. I believe I have been patient, but I expect swift action to resolve this matter. 

If this issue is not resolved promptly, I will consider escalating the matter further. 

Thank you for your attention to this matter, and I look forward to your immediate response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was completely taken aback when I saw incorrect accounts pop up on my credit report today, and I have no clue why this is happening. I check my credit often, and this time, I found unexpected discrepancies. I tried refreshing the page, thinking it might just be a browser issue, but unfortunately, the errors remained. I urgently need the documents Ive provided to be thoroughly checked, as this situation is really worrying me, and I dont want to deal with this ever again.

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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX under threat against my family I purchased gift cards and gave the unknown threatening person the numbers. He called me from these numbers telling me he knew what I was doing every moment:XXXX, XXXX, XXXX. I have been under continual treatment for XXXX XXXX XXXX since XX/XX/XXXX. XXXX XXXX XXXX. I believed this man until I didn't, then went to my bank and then made a police report. XXXX XXXX XXXX, XXXX, FL XXXX. 
XXXX Police Department, case XXXX, XXXX. 
I called XXXX and CitiBank XXXX, cancelled cards, told story.Both told me no problems. Called back the next day. Still had work to do with XXXX, Citibank said never processed so no charge, good to go. Right now, I think XXXX chose to count the charges as a mis post, but the future hasn't happened. This complaint is both about Citibank and XXXX, primarily Citibank. 
Since Citibank told me the charges had not been processed on XX/XX/XXXX, and my balance was XXXX ( so did XXXX ), I had called XXXX to give them additional info and found out that I did owe it, but they have a Consumer Advocate Line and something called Ethics Point. So I called Citibank and there began a process from XX/XX/XXXX to today, XX/XX/XXXX, where I'm told I do owe the money, no I don't owe the money. Security Operations people ( XXXX ) told me I absolutely don't owe the money, I'm a good customer etc. I get a letter I owe. I call, I don't owe. I get a bill, I call, their end is showing XXXX. I get another letter. This time the Security Operations Supervisor gives me a confirmation number, XXXX. Nominee owed. Get a bill. Call security Operations, I do owe the money, no such confirmation number. Every person I talked to I asked about a XXXX XXXX XXXX, none. I even called XXXX, have to deal with Citibank. Talked to XXXX people today. Was told by XXXX people, a person who could help me would call me, to keep lines clear. No call. I feel like a ping pong ball. I feel abused. The cancelled CitiCard is XXXX. CalledDept of zelder Affairs because I feel do psychologically abused and it is hurting my health. Just went through and erased account numbers. After calling CitiBank so many times. I've lost count, I can tell you that they don't record telephone calls, they don't always make notes, they lie, they transferred me from XXXX service rep to another on more than w occasions, telling me I was going to a supervisor or Advocate. Today I heard from both CitiBank and XXXX, they don't have Consumer Advocates. Their other modus operandi is to hang up on you before you can finish telling them what you need, and to tell you someone will call you back and they don't.

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 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
PLEASE SEE DOCUMENTS AND HAVE THE FOLLOWING ACCOINTS DELETE OFF MY CRED ASAP! WITH IN THE NEXT XXXX HOURS PLEASE!!!! 

XXXX IS STILL REPORTING THE FOLLOWING ACCOUNTS -XXXX  XXXX -XXXX- XXXX -XXXX  XXXX -XXXX- XXXX -XXXX XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and Identitytheft.gov report. So I got both reports and sent them to the address XXXX asked me to ( Goldman sachs bank usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

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 XXXX 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 2024-09-23 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: EQUIFAX, INC.
State: FL

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-23 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: GA

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-23 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-09-23 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: GA

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Deposited cash and upon checking my receipt, at the counter, told the cashier the amount was incorrect and that I was short {$540.00}. The cashier did not count my money prior to putting it into an automated cash counter UNDER the counter where the customer could not see it. He stated he could not get the cash out to count it back to me. An audit of the machine and review of camera footage, per the bank, showed no results. I personally counted the money XXXX times as well as my husband.

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 2024-09-23 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: MN

Complaint narrative:
I was victim of identity theft these are not my accounts XXXX XXXX XXXX XX/XX/XXXX amount {$4700.00} XXXX credit card XX/XX/XXXX amount {$450.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX amount {$1000.00} XXXX XXXX XXXX XX/XX/XXXX amount {$440.00} XXXX credit XX/XX/XXXX amount {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was victim of identity theft these are not my accounts XXXX XXXX XXXX XX/XX/XXXX amount {$4700.00} XXXX credit card XX/XX/XXXX amount {$450.00} XXXX XXXX XXXX XXXXXX/XX/XXXX amount {$1000.00} XXXX XXXX XXXX XX/XX/XXXX amount {$440.00} XXXX credit XX/XX/XXXX amount {$19000.00}

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 2024-09-23 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: PA

Complaint narrative:
XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX DOB XXXX - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion- Listed below are the XXXX Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-23 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: PA

Complaint narrative:
XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX DOB : - XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX Experian- Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX DOB XXXX - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Listed below are the XXXX Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief