vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently opened an account with Citi Bank. When I opened the account I was never sent the original debit card and account opening paper work. I had to have a replacement card overnight shipped to me. When the card arrived I had to log in online but when I did I had to use a different username then the previous one I had when I opened the account. I created the new username however when I tried to log into the account on my XXXX, the XXXX used my Face ID which was connected to the old password under an old username name. When this happened I called the bank on XX/XX/22 I believe to be the best date and they said that now I had to receive a letter with a reference number and then when I got the reference number I could call give them the number then my account would be unlocked. I was told the letter would take up to 10 business days. After that the letter did not come so I called the bank again on XX/XX/22 and they said all they could do was send another letter through the us post office and so I would just have to wait another 10 business days. It is now coming up on another ten business days and I still have not gotten a letter. On Monday XX/XX/22 when I called the bank and gave them all my identifying information, however when the conversation got to a certain point I was put on hold and then the person just hung up. I then called bank gave all the same identifying information to be told my account is under consideration for closure and the person told me they were hanging up on me. I have had three of my checks from work direct deposit into this account totaling XXXX dollars.

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 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My pay pal account got closed indefinitely yet I uploaded all the required verification documents. I feel discriminated by pay pal because they have closed my account without informing me the reason. I uploaded ID and Proof of address documents and yet pay pal have not responded to me. I just noticed my account has been permanently limited when i logged in to my account and tried to contact them, however it shows in the resolution center that my account has been permanently limited and that I cant use pay pal anymore. My pay pal mail is XXXX under the Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I don't understand why it indicates collections when I thought it's all good. This is absurd! I've never made this to happen Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false! IT'S ALL DIFFERENT!!

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 2022-08-25 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: WI

Complaint narrative:
I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and Equifax, XXXX sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with Lexis Nexus which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I contacted CitiBank regarding a fraud alert on my Sears XXXX on XX/XX/22. I was asked to provide a phone number so I could receive a call back. I gave my phone number and never received a phone call back. I called back and was told my number was not verified. They would need to mail a letter. My contact information is current on my account, including the phone number that I gave them to give ma call back. Still nothing. My account is locked and I have to wait for a letter in the mail.

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 2022-08-25 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: WI

Complaint narrative:
I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, XXXX sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX  which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. Transunion never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap 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 non-monetary relief
Consumer complaint received 2022-08-25 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: WI

Complaint narrative:
I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, Experian sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Yesterday XX/XX/2022 I was scammed {$350.00}. I was trying to but a ticket for a concert. I texted this person on XXXX  because they had some available. They sent me pictures and a video so I paid. I never received the ticket. I asked for a refund but never got a response. Their name is XXXX XXXX. Their XXXX  handle is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX IT WAS date open says XX/XX/XXXX but after i file a complaint then they change the date to that it original XX/XX/XXXX .but they can not do that .go back and change both days on the before and after in there dispute cases they send have 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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase are blocking access to my account thus preventing me from making timely payments thus causing unnecessary late payment fees to apply. Also, they do not have the right to force a customer to pay for telephone service in order to access his account. 

I can't get into my account to pay my credit card because I do not have a telephone now to get a code to use in addition to my password. I am now living in XXXX for a while, and I don't yet have a telephone number. My old telephone numbers are not valid. 

Chase do not give an email address for contacting them about this problem. They only give a telephone number, and I can not call them using a public pay phone. Even if they had a foreign toll-free number, I can not stand out in the sun inserting coins in a pay phone to make a foreign telephone call to them. 

With this Catch 22, they are able to collect late payment fees because I have no way to pay off the small balance on my Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: OH

Complaint narrative:
i have looked at my credit report and there are two accounts that do not belong to me and I have contacted the reporter companies which are XXXX XXXX XXXX XXXX XXXX XXXX, after I provided them with my s.s number, full name and d.o birth there was no record in there system for any account that belongs to me, these two accounts are fraud account that doesn't belong to me and yet I have to wait for a dispute to process that's going to cause me losing of my house and after I called Transunion they still tell me that they can't delete account from my report unless they investigate and XXXX  XXXX answers them, so im under the murcy of XXXX  XXXX to answer when they feel like it, and trans union told me that I should contact XXXX  XXXX and have them answer the dispute that was open on my behalf by trans union, I can't call that department so now I have to mail in my info to XXXX  XXXX for an account that doesn't belong to me that trans union should have not allowed to show on my report, why should I wait on an answer from XXXX  XXXX if the account doesn't match my info.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have private & federal student loans that were originally taken out through XXXX XXXX between XXXX. In XXXX my co-signer ( completely independent of myself ) filed for bankruptcy. The day my co-signer filed for bankruptcy, Sallie Mae locked me out of all of my student loan information. Over the course of almost 6 years, from XXXX Sallie Mae called and harassed me to make payments on my loans. When I tried making a payment, they would not allow me to telling me 'I was in bankruptcy and they could not discuss anything with me '. Years of threatening phone calls, charging me fees, interest compounding my debt and they would not let me view my accounts online, talk with me over the phone or send complete information as to any of my account statuses. In XXXX my co-signers bankruptcy was released. Months of back and forth on the phone, with what is now Navient, I had to fight to gain access to my own personal financial information. There was quite some time that Navient was 'unable ' to look up my information and when given my account number, they provided me with someone else 's information. Upon review of my accounts after years of being prohibited from viewing, accessing, or servicing my loans the increase in balance was absurd. Navient has been unable to provide me with any reasoning as to why they banned me from my accounts, forbade me to may payments or service my accounts, unable to provide a complete breakdown of the accounts and fees, or proof that they own the debt. My co-signer was not on all of my loans, and their bankruptcy had absolutely nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I closed this card months ago but still am paying it off. They are trying to add a XXXX Maintenance fee on top of my monthly payment every month. I tried to talk to them to remove it but they will not so now I got a pay that every month on top of my regular payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Global Lending Services LLC
State: CT

Complaint narrative:
I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through global lending services and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated  for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: OK

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 2022-08-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX is complaint about defective chair purchased I sent receipt there with pic of broken defective chair with original complaint I am asking merchant to replace chair with another one see receipt as there is a desk and chair purchase I am only discussing chair If merchant does not want to exchange manufacture defective chair then I want credit back and will purchase another chair XXXX is mistaken complaint for another purchase I inadvertently sent wrong receipt Please re-bill {$64.00} for XXXX XXXX purchase PLEASE send statements for Cap One statements XXXX XXXX XX/XX/XXXX and statements XXXX thru XX/XX/XXXX I asked before but not received any

Company response to consumer: Closed with non-monetary relief