vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Ive filed a claim with the bank of Chime but they refuse to assist me in the matter, they say i need more to help my cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Reference Case Number XXXX Hi, My name is XXXX XXXX. I received a call from Citibank about a fraud charge and thats when I noticed five fraud charges on my bank account. Following are screenshots of the transactions.

1 ) I solemnly take an oath that these transactions were not initiated by me.

2 ) I have not shared my username and password to any individual.

3 ) Citibank called to notify that they suspected fraud transactions.

4 ) I called XXXX and they claim that they have not received any funds when I provided the Citibank account number. They did not allow me to file a case at XXXX. They claimed that Citibank will reach out directly to payal to investigate. Attached is my transaction in my XXXX  since XX/XX/XXXX. It is possible that it was not sent to XXXX? 
5 ) It seems like I have been hacked as XXXX website claims that my information was leaked.

6 ) I filed a police case report Case number XXXX Documentation attached. 
7 ) I reported theft at identitytheft.gov. The reference number is XXXX. Document attached. 
8 ) I added initial security on my credit file. Confirmation attached.

9 ) I also file XXXX data breach settlement. Documentation attached. 
10 ) I have filed a FBI, IC3 complaint and a copy is attached.

11 ) I have filed a fraud report with ReportFraud.ftc.gov Reference number is XXXX. Documentation Attached. 

Please review this information and advise as this is hard-earned money and I should not be punished for security that is not in my control. 

Thanks 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 monetary relief
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} XXXX Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

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 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off the loan for the lease buyout on my XXXX XXXX XXXX with Chase Bank in XXXX. Last summer I learned that Chase Bank hadn't issued me the title to my vehicle when I went to sell it. I've been trying to work with the bank since XX/XX/XXXX to get title to my vehicle. During this time Chase Bank has made no progress on getting me the title to my vehicle. 

As of XX/XX/XXXX, Chase bank claims to have mailed me the lien release document that I need, so I can go to the DMV and get title to my vehicle. However, they sent the document to an old address and not my current mailing address that is on file with the bank. In addition, when I finally do get title for my vehicle, the DMV is going to require that I pay the sales tax for the lease buyout. The sales tax for the vehicle was covered in the loan that I got from Chase at the time I bought out the lease. So Chase is essentially profiting by keeping this money and not using it to pay for the sales tax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have large amounts of debt from several Student Loans for Sallie Mae. I have called countless times, asking for extra options- including deferment and forbearance plans, and I can not reasonably wait anymore. I have almost {$100000.00} in student loans, with the lowest interest rate being 7.875 %, and the highest being 13 %, and I can not afford more than a single month of payment. It is too much for me to pay off, and I'm not even going to be able to afford to feed and take care of myself if this continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
Citibank offered me a {$1500.00} cash bonus for opening a business checking account and a deposit of {$100000.00} within 30 days of account opening ( Citi_Small_Business_cash_bonus.jpg ). 
But Citibank did not allow me to deposit my funds within 30 days of account opening due to branch closure and late shipping of my debit card. 
I tried all the ways I have and deposited {$100000.00} into my account within the XXXX days of account opening. 
Thus, I did not satisfy the offer terms due to Citibank 's problems. 
And Citibank refused to pay out my bonus after I filed a dispute. 

My timeline with submitted proofs ' names in the brackets is following : On XX/XX/2022, I opened a Citi Business Streamlined Checking Account ( Opening_Account_in_branch.jpg ). 
Since XX/XX/2022, I couldn't fund my account because the local branch was closed due to COVID and Citi can not provide me with the account number. 
On XX/XX/2022, XXXX XXXX, the Citi Banker who helped me open my account, told me the only way to fund my account is through online banking after I receive my debit card ( branch_closure.jpg ). 
I did not receive my debit card until XX/XX/2022 ( Debit_Card_Delivery.jpg ). 
Thus, Citibank did not provide a solution to me for funding my account before XX/XX/2022 which is within 30 days of account opening.

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 2022-05-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

They have all violated my 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. 
I have not given them any written instruction to furnish anything on my consumer 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 2022-05-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

They have all violated my 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.

I have not given them any written instruction to furnish anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXXXXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

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 2022-05-27 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:
FCRA violations : inquires not mine XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX  CARD Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
I did not apply to any of these companies for credit, and I would like the credit bureau ( Experian ) to have the inquires removed from my credit report. 

1.XXXX XXXX XXXXl : Inquiry date, XXXX XXXX contact info XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX : XXXX date, XX/XX/2021 contact info XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXX. XXXX : Inquiry date : XXXX XXXX, 2021 contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. XXXX Equip XXXX : Inquiry date : XXXX XXXX, 2021 contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : Inquiry date, XX/XX/2021 contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA 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 explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I reported fraud on my account about two months ago when I noticed multiple small transactions posted on my account from an internet source. They stopped my auto payments that Ive had set up for months now to avoid late payments. They blocked my online access so now theres no way I can make a payment or access my account to see if they credited my account like they said they did when I spoke to them over the phone, I also attempted to make a payment over the phone which they were not able to do, they now reported my account as being in default so it is negatively affecting my credit score. I have spoken numerous times to 1.Customer service representatives 2. Fraud department 3. Online access specialists and none have been able to help me at least get my account back in good standing or online access. I feel taken advantage of and abused by this company.

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 2022-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I got a phone call on XXXX from a number I didn't recognize, so I ignored the call because I was at work. About XXXX mins later my wife called me saying that shat had gotten a call saying I was going to be sued for a debt from XXXX. She confirmed that the number that I received a call from was the same number she received a call from. So I called and spoke to a guy saying I was getting sued and that I did not answer repeated request from his company to talk about a debt and they were trying to garnish my wages. He never told me the name of his company but I told him I didn't remember receiving any paperwork. He said maybe it got lost in the mail and that it happens more than I would think. His words, not mine. So he was supposed to send me whatever paperwork I was supposed to have received by the end of the day. I never received it so I called the next day and talked to him. He told me that he sent the paperwork in as I disputed the claim and wanted to go to court. Once again I still haven't gotten the name of his company nor did I give him permission to make a choice on how I was going move forward with whatever was being alleged. He then told me I owed like XXXX for towing fees in XXXX I told him I turned a car in to XXXX back then but if I remember right they did garnish my wages already. He then said it wasn't about the car it was for the towing and it was in the fine print. Noone ever told anything about that. And me being a first time buyer at the time. I thought I was legally able to assume that everything was ok when I signed the contract. He said I was being sued because I was ducking the company. I've lived in the same area, worked the same job for the last XXXX plus years. I'm not ducking anything. Like I told him I have chronic medical conditions I deal with daily, so something from XXXX isnt something I think about especially after XXXX years. I called again and requested the info via voicemail and I still haven't received anything and they have seemingly cut off all communication

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 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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