vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( Capital one ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by capital one on or about XX/XX/XXXX. Capital one continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by capital one. I was denied my request for any information besides a generic debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I transferred {$35000.00} as a loan to a longtime friend ( more than 20 years ) in XXXX Citibank later contacted me by phone to ask me WHY this was sent? I refused saying if they need this information for legal reasons to send me a letter so I can review this with my lawyer. The letter never arrived but in XX/XX/2021 Citibank closed my Citibank Priority Checking account that is used for international transfers They also closed all my credit card accounts claiming I had violated their rules in transacting business I met with my local Citi Bank Manager who could also not understand what I had done wrong and who after discussing with his boss advised me to request them to be more specific They replied with almost the same letter so I sent a Presidential Letter Unbelievably I got the same response with a link to all the Citi rules for transacting business I still can not understand their actions so I am filing a complaint Please understand I have been a Citi customer for over 30 years and have never been late or missed a payment

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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc
State: TX

Complaint narrative:
To Whom This May Concern, My name is XXXX XXXX and I write you this message seeking your help. Over the past 3 months, it has come to my attention that my identify has been stolen. As of now, more than 5 accounts have been opened in my name dating back to XXXX of XXXX. I have only recently found out about these fraudulent accounts as I started receiving letters from collections agencies. I have been working with that collection agency and XXXX to help resolve these matters. 

To date, I have commenced the process with all the financial institutions that allowed accounts to be fraudulently created in my name except for one. That one institution that has refused to help me has been Chime Bank. I reached out to Chime on XX/XX/XXXX asking for help. Over the course of 9 days, I emailed their customer support team XXXX additional times asking for their assistance. In my emails, I repeatedly asked for a phone number of someone in their fraud department, so I could speak directly with a representative to solve my problem. Each time the representative from Chime refused to provide me with a contact with whom I could speak. 

Chime consistently said that they needed a police report to be filed, in order to further assist me. As you will be able to see from the email chain I repeatedly informed Chime that I was unable to file a police report at this time for the following reasons : I didnt open the account, so I dont have the account information I dont know where the account was open, so I dont know which police department to file a report with I dont know what was purchased, so I dont know what to claim was fraudulently purchased I dont know when purchases were made Chime continued to ignore my requests, which leads me to writing you this letter. I have nowhere else to turn. I have done nothing wrong. I am simply trying to address these issues of fraud that have occurred in my name. Chime has made it clear that do not intend to help me, the victim. 

I have also provided a PDF copy of the email chain between myself and Chime as proof that they refuse to assist me. I need your help. Please let me know what I can do to address this. This is both stressful and time consuming. To me, this is just an example of a big institution allowing fraudulent transactions to take place without any regard for the victim. Why is it ok for them to ignore my pleas for help when I have done nothing wrong and am not able to provide what they are requesting. Thank you for taking the time to read this message and I very much appreciate any assistance you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a 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 710. transunion has me at a score around 592. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-03-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a 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 710. XXXX has me at a score around 592. 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2022 I applied for Credit card offer with capital one bank and the term and condition agreement was no annual fee. 
After the account establish and activated the card when i login it was {$39.00} annual fee. 
At that time when i contact capital one bank i was told that the term & condition can change after the card activated. 
I completely disagree to that type of change and to wave the fee to close the account i did. 
i ask to hard inquire be removed from my credit profile, the respond was nothing they can do. 
please i need your help to remove the enquire form my file thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.

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 2022-03-09 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: GA

Complaint narrative:
Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.

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 2022-03-09 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: GA

Complaint narrative:
Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.

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 2022-03-09 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: GA

Complaint narrative:
Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the XXXX 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/2022 I sent a cashiers check for {$31000.00} to pay off my lease to US Bank. Today is XXXX XXXX and I have not received a title, lien release or other documentation for this car that I possess and own in theory. US Bank claims the they mailed documents but can not verify this. I was told they would re-issue the lien release 2+ weeks ago, and have since received nothing. This is unfair practice and behavior for a major bank.They have proven themselves incompetent in all aspects other than cashing my check.I have no ability to sell, trade or even change the loss payee on my insurance policy. Any automobile dealer would be subject to punitive actions for such behavior. Just making a late payment on the lease would come with a stiff penalty, why are they held to no standards.

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 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase mortgage via their web access offered a reduction in mortgage term for paying in greater frequency than the usual monthly payments. When I followed their offer to a link and used 2x monthly payments, the term did not decrease as the offer claimed. In fact, used this deceptive " ad '' to entice me in paying twice a month, yet I received ZERO benefit as a result. I am requesting compensation back for benefit of paying additional payment early for the past year+. Chase received the benefit of getting a payment early then earning interest, but has not passed the earnings/savings to me even after their ad specifically stated this as an inducement to pay extra per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a 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 710. XXXX has me at a score around 592. 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 XXXX 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX ran my credit report through Experian. I have a credit report lock and no one at Experian called to authorize running a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation