vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/XXXX I was charged an annual XXXX membership fee to my Citibank Costco credit card without knowledge. They stated they sent statements to me via email, however, they would have received an undeliverable message as this was a business account, and I had lost my job due to Covid in XXXX of XXXX, resulting in the email address being terminated. It took six months ( while late fees accrued over-and-over ) for Citibank to use the information they had on file the entire time, and contact me! They finally called my phone number and mailed a late notice in XXXX. By the time I became aware of this charge not only did I have several months of late fees, but the credit account was closed, and my personal credit score had decreased nearly 100 points! My calls to a few different departments resulted nothing. I have had many credit accounts in my 48 years, but will never do business again with Citibank as I find their business practices don't protect the consumer, but actually show intention to result in their own financial gain ( isn't that the definition of 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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to Experian, XXXX and XXXX as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX/XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/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 2021-07-31 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: GA

Complaint narrative:
XXXX, Experian, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, Experian nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!

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 2021-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am requesting the Capital One Account # XXXX listed on my Credit report with a balance of {$26000.00} be REMOVED because its being reported inaccurately. 
On XX/XX/XXXX Capital One was informed that the named vehicle/account was surrendered to them and at that time my Attorney requested proof of claim and also requested applications, contracts, pay history and Capital One failed to provide ( EXHIBIT A ) On XX/XX/2018 a signed AFFIDAVIT was issued to Capital One advising them of my SWORN STATEMENT that I in fact surrendered the AUTO to Capital One wrecker service XXXX  who was working on Capital One behalf. ( EXHIBIT B ) On XX/XX/2018 Judge XXXX XXXX XXXX freed me from this debt of {$29000.00} with Capital One because it was proven that I surrendered this automobile as instructed within my bankruptcy at the time. 
( EXHIBIT C ) Capital One stated that XXXX was in possession of car and that they received a call from XXXX stating the car was in a shop and if they did not pick it up after a certain time they would keep the car and sell it, CAPITAL ONE ALLOWED THE CAR TO BE SOLD OR KEPT BY XXXX!! 
BY LAW THE BALANCE SHOULD NOT BE {$29000.00} IF THE CAR WAS SOLD OR GIVEN TO XXXX PER CAPITAL ONE APPROVAL. I SHOULD HAVE A DEFICIENCY BALANCE WITH FEES AFTER THE TRANSACTION NOT THE FULL PRICE OF THE CAR UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED. 
Capital One Account # XXXX I have attached the proof ( EXHIBIT A-C ) that the above items are inaccurate for your review. 
Under the FCRA you must get these items removed within 30 days of receipt of this letter, to avoid violation of the law. 
Please notify me of the changes and forward me an updated copy of my credit report to reflect changes UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX XXXX and Transunion as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXXNOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX, Equifax and XXXX  as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX  XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
In late XXXX, XXXX enrolled my checking account into a 2-day early paycheck program without my knowledge or consent. I noticed this and called XXXX to opt out of the program on the morning of XX/XX/XXXX. Calling was the only option available to opt out of this service. When I called, the phone menu had no options available to opt out of this new service that no one requested be added to their accounts. There were also no operators available at the time to assist me. I figured I would call back later to opt out, but then starting in XXXX I started receiving emails from Chime, some of which stated in the fine print that I was receiving them because I had an account with Chime. I never opened an account with Chime and suspect that XXXX has partnered with Chime to offer this new 2-day early pay service and has shared my personal information with Chime. I called XXXX and Chime yesterday, XX/XX/2021. XXXX only offered to opt me out of the 2 day early pay service and opt me out of all information sharing, but would provide no other information or help regarding the opened account with Chime or whether my information had been shared with Chime. When I spoke with Chime, all they offered was to have an investigator for a fraudulent account opening contact me over unencrypted email. They refuse to speak to anyone on the phone, but are requesting my full name, social security number, and birth date over completely unsecured email. The investigator did not email me until after midnight on XX/XX/XXXX. On the morning of XX/XX/XXXX, while I was contacting Chime again, I received an email and text message telling me that a debit card was on its way ( to where - I don't know because I did not open the account ). The activity on the account had clearly not been stopped or the account closed or put on hold, despite my call to Chime the day prior to state that the account was fraudulently opened. Chime and XXXX have been unable to assist me without me further jeopardizing my identity. 

XXXX and XXXX XXXX transferred money using the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I pay cash at Sams Club., I withdraw my money from bank. , drive to Sams and pay full balance, the Sams MasterCard is associated with Synchrony bank. I get the associated bank with Sams header on it that the balance is due and it appears that an additional use of it since last statement has been added. More than {$500.00} and second statement has come in with {$75.00}, I have not gone into the store except to explain. The previous time was when I had needed to use my personal XXXX  MasterCard, not MasterCard associated with Sams and Synchrony bank.

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 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, TransUnion have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, XXXX  nor TransUnion did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!

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 2021-07-31 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:
Equifax, XXXX, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. Equifax, XXXX  nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: NH

Complaint narrative:
This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$5900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$5900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$5900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you

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 2021-07-31 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: FL

Complaint narrative:
I faxed a letter to Equifax XX/XX/2021 stating my identity was stolen. I completed an FTC identity theft report showing how my identity and followed the FTC identity theft guidelines as listed. According to FCRA 605B, the fraudulent information on my credit report : addresses XXXX XXXX XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and This collection account XXXX XXXX XXXX XXXX  Account # XXXX, should have been removed and blocked from my credit report in 4 days. My rights as a US Citizen are being violated by Equifax and this information will be included in my lawsuit if this isn't handled. I subsequently also completed a police report with the city of XXXX Police dept which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MS

Complaint narrative:
XXXX has falsely stated that I owe for two devices from a previous lease agreement which had to be paid in full for me to obtain new devices with my next contract agreement through them. After the newest contract agreement was ended in XXXX and both devices from that agreement were returned and accounted for, XXXX then billed me for 2 devices, which then the bill was sent to 2 different collection agencies. When I contacted Sources Receivables Management in XXXX of XXXX, the collection agency with and reporting the debt on my credit report told me that I was being charged by XXXX from the first lease agreement for 2 devices which can only be inaccurate because the main line phone was Damaged and had to be paid in full for me to obtain the second agreement with a newer device. Therefore I disputed the information through writing with XXXX, XXXX, and XXXX  starting on XX/XX/XXXX. XXXX  and XXXX  have never responded through writing or email and XXXX  's agent over the phone claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX  then, several days after our conversation over the phone, completed a computer generated investigation on XX/XX/XXXX after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
on XX/XX/2021, i sent DESIGNED RECIEVABLE SOLUTIONS, INC 5 letters for the alleged balances of : {>= $1,000,000}, and XXXX that i don't owe. I have never had any communication with them.I asked them for the validity of the debt but never receive anything thus far. I sent the letters off USPS certified mail w/tracking # XXXX on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: NH

Complaint narrative:
This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$3900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$3900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$3900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you

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 2021-07-31 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks 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 2021-07-31 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: NJ

Complaint narrative:
In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX & XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!

Company response to consumer: Closed with explanation