vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/2023 : Opened account on XX/XX/2023 as part of a promotion offering XXXX XXXX XXXX miles upon completion of ( XXXX ) XXXX minimum direct deposits and ( XXXX ) a minimum spend on the card within 90 days ( by XX/XX/2023 ). Promotion code was XXXX. 

XX/XX/2023 : Met the minimum spend requirements on the promotion. 

XX/XX/2023 : Met the minimum direct deposit requirements for the promotion, entitling me to XXXX miles by XX/XX/XXXX ( 30 days after completing requirements ) at the latest, according to the terms of the promotion. 

XX/XX/2023 : Still hadn't received the miles. 

XX/XX/2023 : Emailed customer support requesting the miles. Recieved no response. 

XX/XX/2023 : Contacted customer support by phone. Agent verified I had completed the conditions and said I would get the miles within 5 business days. 

XX/XX/2023 : Still hadn't received the miles. Contacted customer support again. Agent confirmed I had met the conditions and said he would open a case about it. 

XX/XX/2023 : Received account notice that " we are unable to provide the status on fulfillment of the promotion... you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive '' ( the terms and conditions of the promotion offer said I would receive the miles within 30 days, not 90 as this letter claims ). 

XX/XX/2023 : 90 days have now passed since opening the account, and the promotion window is closed. I still haven't received the miles, nearly 60 days after completing the conditions, and after XXXX attempts to work with customer service, so I am submitting this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have had multiple accounts opened up at citizens bank within my name, and all overdrawn and I have not opened up any accounts with Citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, XXXX and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX XXXX of SS # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a longtime customer of Capital One and had never been late. I set up an Auto Pay with a personal bank but the bank mailed a check monthly which made me late. This has been going on for months. On my phone I set up a Notification request in case if any issue with my account. I never ever received a Notification from Capital One as required by Notification selection. So, the late as accumulated and suddenly after the total has reached over {$400.00} dollars then again without notification they charged me. I had to immediately scheduled that payment and XXXX payments : XXXX of {$70.00} dollars and another of {$100.00}. I have been a good customer and never late. Capital One reported my lateness to all 3 Credit Bureau Agencies, which caused my credit to crashed up to XXXX points. I contacted them and they told me that they understood my concern and would have to contact the credit agencies, which I did immediately. The bank should have contacted me based on my notification setting in their App and not wait until my fees had reached over {$400.00} to placed me on as being late with the credit agencies.. It is not fair to us consumers. Now I am XXXX war XXXX Vet with no acceptable credit to do anything for my grand children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
As per the original complaint, XXXX XXXX XXXX XXXX sold me a service using false information and when I attempted to use the warranty a year later, they informed me of the real rules and services.

Except, even under the 'actual ' rules, they failed to provide timely service, with a contractor keeping me hanging for 6 weeks.

I tried to resolve with them; tried to book additional services that they rejected immediately, and ultimately asked for a full refund and a cancelation of my contract.

They refused.

Bank of America did nothing to resolve ; I reached out to the FTC and CSPB, and was assigned XXXX XXXX from BofA to resolve. I just received a letter of denial and was on a call this morning ( XX/XX/17 ) at XXXX ; BofA stated in the letter they did not receive information from me, while on the call the agent told me they had informed me from the start that they could not recover as it was after 90 days. 

If this were true, why did they ask me to work to provide a massive amount of evidence, go through all the steps again, and require me to get an order from the FTC/CSPB to spend these months with 30+ faxes, 11 emails, and 6 not returned phone calls for this matter?

Bank of America is just as guilty of not telling the truth as XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
On XX/XX/2023 a new collection was added to my credit report by Consumer Adjustment Company Inc. for {$400.00}. They claim that I opened the account in XXXX, 2023. 

They did not attempt to contact me prior to reporting it. I have no knowledge of this debt. I disputed it XXXX week ago with the credit bureau but they claim it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is not my account They are hurting my credit. I am a victim of identity theft. This company has not and will not provide documents of how they are verifying the account to me. this account is not mine i do not and has NEVER shopped with this company. I have XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been in contact with AMEX since XX/XX/XXXX because of concerns paying my account. I was told to contact them after XX/XX/XXXX to arrange a payment plan. I was not offered a lower payment or interest rate, and when they asked for a payment up front I had just paid my bill 3 days prior, so they told me to wait until XX/XX/XXXX to call back and setup the plan before my next payment. I contacted them today and said I was told to ask for the lower interest rate that the previous person told me about. They told me it was not available. My other creditors have put me on liquidations plans of XXXX months with no interest. I am experiencing a financial hardship and I'm in crisis and need to make arrangements for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
My student load was recently transferred from Great Lakes to NelNet. 
The entire transition process has been a nightmare. But it has now just gotten absolutely worse. 
I have submitted several requests for assistance through their online form ( while logged into my account ). I have not received any responses ... until today. 
Today ( XX/XX/23 ) I received an email from someone named XXXX ( I am leaving out her last name to protect her confidentiallit ) - who, is another CU/STOMER of NelNet. / XXXX XX/XX/23 - Nelnet responded to one of MY requests, but sent the response to XXXX!!! The email string included ALL of my personal information, INCLUDING my Date of Birth and SOCIAL SECURITY NUMBER!! 
This is a clear violation of the Federal Debt Collection Practices Act ( FDCPA ), Florida Consumer Collection Practices Act ( FCCPA ), and countless other state and federal laws and regulations. 
I am completely at a loss here! I don't even know what to do now! I submitted XXXX different requests for assistance through their online form..this is the ONLY response to any of them. So did the other XXXX ALSO go to some other person? Do XXXX other people now also have my DOB AND SS!! I now have to LOCK all of my credit reports and monitor for Identity Theft! This was not some XXXX XXXX XXXX issue... this was clearly done by the company employees who have absolutely NO idea what they are doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a prior case open through the CFPB and in the resolution, XXXX stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XX/XX/2023 CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I previously submitted a complain # XXXX. My credit card company respond is not valid since they didn't provide new documentation after my dispute, they only sent documentation before the date of the confirmation of the refund by XXXX. 
GEMINI documents investigation referred to XXXX  policies, one of the policies is that I need to reach the end of 6 months of the course, however my access was cancelled on day 12 because I disputed the transaction, when I emailed the company their respond was " The full program amount has been sent back to your bank, we therefore removed course-access. '' breaching the agreement of the 6 months that I needed to reach. 
GEMINI provided a document where XXXX mentioned that I was happy with the course but I sent an email on XX/XX/XXXX to XXXX  telling them that I was not aware that I would not be able to access all of the course material once signing up and I will not be able to view the session until XX/XX/XXXX which was very unfair because they asked to reach 60 days when I would not have a full access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I set up a payment plan with CapitalOne Finance for my XXXX XXXX. I recently had a huge drop in income and have been struggling ever since to get everything back to current status. The representative stated that they could set up XXXX payments for my past due amounts and it would put me back on track. I did receive confirmation emails for all XXXX payment dates as well. I called on XX/XX/XXXX to move the payment from the XXXX to XXXX because I would get paid and have enough to cover the first payment. They refused to do so since it was the initial payment but that representative said that I can always change the other XXXX if necessary. Payment thankfully posted and nothing else occurred until I received a letter on XX/XX/XXXX, dated on XX/XX/XXXX, a notice of strict enforcement of contract rights. I was confused because the rep who set up my account stated that the payment plan will prevent any letters or calls, clearly he was wrong. I called on XX/XX/XXXX asking why I received this payment even though I have a payment plan set up and that rep was talking and concerned only to set up another payment after my payment plan ends. I did the math of everything past due and broke it down and told the rep that making that additional payment would put me ahead not behind and I shouldn't have to do a double payment of my normal amount. We went back and forth about the math and finally she asked if I would like a copy of my transaction history and I said yes but it has to be mailed out so as of now I'm still waiting. I called them today, XX/XX/XXXX, to move it from the XXXX to the XXXX or XXXX since that is within the grace period and when I get a paycheck. The first rep cancelled that payment and put me on hold which ended up disconnecting the call, the second call with another rep kept talking the extra payment needs and wouldn't answer my questions about why I couldn't schedule a new payment as the original rep with the payment plan said I can. Again got placed on hold and disconnected. The third attempt was an even bigger mess, apparently more inaccurate information from the initial payment plan setup that if I change the date it would cancel my entire payment plan which the rep said on the line and I repeated twice to make sure I heard her correctly. I've changed payments before and never had a payment plan get cancelled because of it. It would seem that they are just trying to get more money than they should be and wanting to intentionally get my car repossessed no matter how many times I've tried to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit report is not reflecting any changes or updates that current on my other credit reports. It has not updated in years not sure whats going on but needs to report correctly to reflect accurate info as needed please help me with problem with equifax not sure what is going on with them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX Chase Bank claims that I was in XXXX XXXX California and that I went to a merchant who they're saying is named XXXX XXXX  and I used my chip in my debit card to spend {$68.00}. Now they claim that they're investigation shows that the chip was used so that's enough for them. However there are no other charges made in XXXX XXXX California there are no tickets that I purchased that took me to XXXX XXXX California there are no hotels no restaurants no XXXX nothing that would say that I was in XXXX XXXX California at the time of this purchase. They are also claiming that even though my chip debit card was used for some reason it took 10 days to post to my account which has never happened before and does not happen with my Chase debit card. I have been lied to I have been given the runaround I've been told incorrect information and I have been told that their decision is finite and that I have no recourse. I have recordings of all of my conversations with Chase and every representative that I spoke to and they still can not explain to me how a person who was consistently making purchases in XXXX XXXX XXXX XXXX XXXX somehow flew to XXXX XXXX to make one purchase for {$68.00} and nothing else. And they also refused to close my account when I asked.

Company response to consumer: Closed with explanation