vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT EXPERIAN REFUSES TO REMOVE THEM. EXPERIAN DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL EXPERIAN, THERE IS NO WAY TO GET THROUGH.

XXXX  All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX
XXXX XXXX
Bank Credit Cards Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX  Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX  All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: SXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date: Jul 25, 2021
Removal date: XXXX XXXX XXXX
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: 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 2022-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX The AFFIANT was credited {$11000.00} via " XXXX XXXXXXXX XXXX XXXX. XXXX XXXX '' to attend College. In XXXX of XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' initiated phone calls and e-mails demanding that the AFFIANT and his Mother were in debt to the Company due to alleged credits that they had leant to them on XX/XX/XXXX. The AFFIANT and his Mother being unaware of their Lawful protected rights via Constitution, Fair Debt Collection Practices Act ( FDCPA ), The Stamp Duties Act of 1862, HJR-192, etc. started paying the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' and by XXXX of XXXX the {$11000.00} that was credited to the AFFIANT through " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' a different Corporation had turned into a {$25000.00} invalid debt via interest that the defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' falsely added. 

Due to economic hardship, the AFFIANT sent the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' a Validation letter via Certified mail on XX/XX/XXXX in pursue of competent evidence that he is legally obligated to pay the Company via Fair Credit Reporting Act, 15 USC, 1681 et. seq. On XX/XX/XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' sent the AFFIANT a fraudulent contract from " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' as their alleged competent evidence of contract. The illegal contract and previous stated tactics and accumulated evidence used by the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' violates : -15 USC, 1692b ( 5 ) -15 USC, 1692f ( 8 ) -15 USC, 1692e ( 7 ) -15 USC, 1692d ( 1 ) -15 USC, 1692a -15 USC, 1692d All above mentioned violations have been accounted and sent to " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING, Commissioner of USA Internal Revenue Service ( IRS ), and NAVIENT CORPORATION '' via Affidavit of Truth via Certified Mail following attached invoice of damages done to the AFFIANT and his Mother on XX/XX/XXXX coming to a total of {$69000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I recently bought out my lease from Hyundai Motor Finance, but have not received my title despite having made the payment in full. 

According to Hyundai Motor Finance 's official letter, they have received my payment and marked my account as fully paid off on XX/XX/2022. According to their website, I am supposed to receive my title within 10 days. However, they have not processed my title release at all. I have talked to customer service a few times to no avail. Searching online, this is a common problem customers have with Hyundai Motor Finance.

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 2022-01-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Citi card attached to my XXXX Membership and on the XXXX of XX/XX/2021 I Renewed my membership in store with my debit card. The Citi company auto charged me for my membership so I called and they removed the charge. A month later they again charged me for my membership without the direction of XXXX or myself so this was a fraudulent charge they made which I was unaware of until i started getting harassing text messaging and late fees. Since then I have called and been put on hold for hours hung up on told its in the process, told that they sent it over for fix, all in the process of getting more late fees and being told it takes a couple days to come off the account. It has not been resolved as of today XXXX and i just got off the phone with them again with the same answer that they have sent it to dispute for removal. The phone calls have been non stop harassment and embarrassment for me while I am at work and in my personal life.

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 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Union Credit Corporation
State: GA

Complaint narrative:
on XX/XX/22 I summitted a hipaa violation to Union Credit for 4 previous accounts that were on my XXXX credit report. On XX/XX/22 I submitted a separate complaint in regard to another account that's reporting from this company. ( I received a message saying answered last week ) the attached document with this complaint is a new violation letter mention the desired account to be removed from my credit profile. I would like this account to be removed form my profile immediately. thanks for the cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
Several Credit cards were stolen in 2017 including Discover. I filed sheriffs reports regarding the credit card theft together with theft from my rural mailbox. I notified Discover who denies to this date. I have repeatedly sent all information including sheriffs reports and arrest information on the person who impersonated and falsely pretended to Discover. But Discover continues to ignore and deny. The credit card limit was {$7700.00} and Discover even allowed the thief to exceed the limit to {$12000.00}. Discover continues to adversely report and now adds insult to injury. See attached 1099. Discover charged off and I gave up and decided to wait for Discover to fall off my report on its own. But now Discover is claiming I benefited from the theft when I received {$0.00} benefit or anything for all the fraudulent purchases. This is wrong and now burdens me with more work. In addition to complaints I now have to file the necessary IRS forms to deny the fraudulent 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX placed an account on the collection which I quickly disputed, and a resolution was achieved. All negative items relating to XXXX and XXXX collection were removed. 

On XX/XX/XXXX another collection agency place the same collection item for the same amount, same creditor but new date. This is illegal and it's hurting my credit report. 

They must remove the account asap as it's not mine and I already proof such once. I want a letter from them removing such items from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
THIS IS THE SECOND TIME I AM HAVING SIMILAR ISSUES WITH WELLS FARGO, I LOVE BANKING WITH THEM BUT THEIR CONFLICT resolution/CUSTOMER SOLVING SKILLS ARE LACKING. I RECENTLY TRAVELED TO XXXX DUE TO LOSING MY GRANDFATHER, WHILE THERE, I COULDN'T NOT CONTACT THE OUT-OF-COUNTRY CUSTOMER SERVICE NUMBER THEY PROVIDED, I COULD NOT SPEAK WITH AN AGENT. I WAS LEFT TO DEAL WITH THE ISSUES AT HAND. I WAS CHARGED ATM FEES INTERNATIONAL AND WELLS FARGO ( NOT A BIG ISSUE ). WHILE THERE I RECEIVED A PROVISIONAL CREDIT DUE TO GETTING A DEPOSIT OF CHILD TAX CREDIT. NOW, I LIKE THE IDEA BUT THE ISSUE IS I WAS NOT INFORMED PRIOR, MY BALANCE HAD INCREASED, WHILE IN XXXX I WAS TRYING TO CONTACT WELLS FARGO TO SEE WHY MY BALANCE WAS SO HIGH BUT I COULD NOT REACH AN AGENT. WHEN I GOT BACK, I RECEIVED A LETTER AFTER THE CREDIT HAD BEEN APPLIED AND WAS BEING TOLD THE MONEY WOULD BE TAKEN OUT OF MY ACCOUNT AFTER 60 DAYS. WE ARE IN A PANDEMIC, YOU CAN'T JUST GIVE CREDITS AND EXPECT CUSTOMERS TO PAY, WHAT IF I LOSE MY JOB? WHAT IF MY FINANCIAL STATUS CHANGES? THE IDEA IS GREAT BUT COMMUNICATE WITH CONSUMERS PRIOR, AGAIN WE ARE IN A PANDEMIC!! ALSO, I WAS TOL ID GET AN OVERDRAFT REVISION OF XXXX DOLLARS I RECEIVED XXXX, EVERY TIME I CALL TO INQUIRE ABOUT FEES I AM ASKED TO STOP OVERDRAFT PROTECTION, WHY? I AM NOT OFFERED A SOLUTION BUT TO TUEN OFF OVERDRAFT PROTECTION. I DON'T MIND PAYING FEES WHEN THEY ARE REASONABLE NOT WHEN WELLS FARGO DECIDES TO CHARGE NONSENSICAL FEES. I LOVE BANKING WITH THEM BUT THE SERVICE NEEDS MAJOR IMPROVEMENT ESPECIALLY DURING THESE TIMES. THEY NEED TO COMMUNICATE BETTER AND OFFER SERVICES THAT WILL FIT CONSUMER NEEDS.

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 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a request for Equifax to pay arbitration fees on XX/XX/2022 however, Equifax has not responded my my request. I have attached my request to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have been banking with Chase for approximately 14 months now. We opened a business checking and savings account. We are a general contracting company. We deposit large checks over {$10000.00} from time to time. We recently deposited a check for roughly {$10000.00} through Chase Bank 's mobile app. The deposit was made on XX/XX/2022 which was a XXXX XXXX. The following day the funds were made available and the bank cleared 3 or 4 transactions. Some hours later my husband attempted to withdraw {$200.00} and the transaction was declined. I logged into my online banking and saw a negative balance of {$3400.00}. in our account. My husband went into the branch to inquire and was initially told that because the check was made out to him personally they placed a hold on the funds. When we advised them that we were told when we opened the account that that would not be a problem they changed the reason to well you haven't made a large deposit like this in a while. We asked how we could facilitate getting the hold released and were told to get proof from our customer 's bank that the check had cleared. We complied with their request and the following day presented proof that the check had cleared. XXXX XXXX XXXX, the branch manager/vice president still refused to release the hold stating that the copy provided was not legible enough and to get a better copy. By placing a hold on all but a couple hundred dollars the bank caused our account to become overdrawn by {$3400.00}. I went into the bank the next day to speak with XXXX XXXX and he refused to answer any of my questions stating he had discussed the matter with my husband and would not discuss it again with me. I went to another branch where I normally go and provided them with the same documents. They went online and requested that the hold be released stating that I had provided proof the funds had cleared. Regardless, the bank did not release the hold. I spent XXXX XXXX hours on hold after being transferred twice and nobody ever answered the phone. I believe that the bank failed to comply with Regulation CC which requires notification of any hold be provided to the customer in writing, which was never done and, for deposits over {$10000.00}, that at least half the money be made available within 2 business days. I have made complaints with the Federal Reserve and OCC and am contemplating a lawsuit for conversion, intentional misrepresentation and emotional distress. Chase Bank has unreasonably shut down our business by preventing access to our money. We have never bounced a check nor have we ever deposited a check that was returned. There is simply no legitimate reason for the bank to have done what they did. I believe Chase has a pattern and practice of placing unreasonable holds on their clients funds in order to make money off those funds for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My Citibank credit card is lost or stolen, and I decided to close the account. I have a bill, but I do not have the complete credit card number. I contacted Citibank on XX/XX/XXXX, but as soon as I told the representative that I wanted to close the account, I was put on hold. Eventually, the call was dropped, and I had to call back. This has happened multiple times. At this point, I am not able to reach a representative. I have been on hold for as long as two hours, and I estimate that I have spent over six hours on the phone. 

On my last bill it give the hours that you are able to reach a representative as XXXX XXXX to XXXX XXXX on Saturday and XXXX XXXX to XXXX XXXX on Sunday. It is not possible to close your account!

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 2022-01-23 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: Servatus Corporation
State: TX

Complaint narrative:
My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to Credit Solutions Corp who is now harassing me for payment. XXXX requested the XXXXXXXX delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Atlanticus Services Corporation
State: TN

Complaint narrative:
in XXXX XXXXmy card was charged {$15.00} i reported it to Aspire, they sent me a new card now 2 months later i have been charged late fees and can't get through to the company it's up to {$66.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: OneMain Finance Corporation
State: VA

Complaint narrative:
ONEMAIN FINANCIAL AND XXXX ACCESSED MY CREDIT WITHOUT MY PERMISSION TO SELL ME FINANCIAL INSTRUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
yesterday i tried to take out {$340.00} at an atm with my chime card, it said there was an error so i assumed something was wrong with the atm cuz i had JUST put money onto my card and didnt see why there would be anything wrong on my end so i went to another atm and it said it couldnt be processed, thats when i realized it had to have been something that was wrong on my end so i opened the chime app and tried logging in, it wouldnt let me and i assumed its cuz i put my password in wrong but i noticed it said your account has been closed. i was confused because i didnt understand why the XXXX it was closed. i checked my emails and there was nothing so i was stressing the XXXX out cuz i had money in this account that i no longer have access to, i have things i have to pay, what the XXXX am i supposed to do? so i refresh my email for awhile and finally get an email saying we regret to inform you we have made the decision to end our relationship with you at this time. your account will be closed. i started freaking out because i tried getting ahold of customer service several times and i wasnt able to talk to an actual person, i emailed customer service several times and have not heard back. i did some research and i guess this happens to people a lot and a lot of people dont get their money back or have had tried months to get their money back and havent heard anything from anyone, im worried the same thing will happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my 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 explanation
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.

Company response to consumer: Closed with explanation