vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit 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: Chime Financial Inc
State: CT

Complaint narrative:
My Chime account who is issued through XXXX was used to make many fraudulent charges. Chime was supposed to look into the dispute and they denied my claim less than XXXX hours after filing it. They did not look into the claim at all. Due to the fact that I had used the website in question in the past, the claim was denied. My using the site in the past has no bearing on if these charges were made fraudulently. I asked for the documentation that was used to determine the denial and all I was sent was the information that I gave them, there was no documentation that they had gathered. The charges accumulated over XXXX and XX/XX/2023 and totaled over XXXX. I do not understand how a claim can be denied without properly investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
CFPB has sued Title max since XXXX this company are repeat offenders they continue to engage in illegal pressure collection activities. I took out a loan XX/XX/XXXX in the amount of XXXX XXXX Unfortunately I lost my job and my truck was XXXX, on XX/XX/XXXX around XXXX XXXX  I went to the store located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. After paying XXXX $ to get my truck back .I was told I could not get my truck because I would need a appointment to get the truck. I told the manager XXXX XXXX that was unacceptable, and I needed my truck today. He lied saying my truck was at a company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I then went to the XXXX XXXX XXXXXXXX XXXX  XXXX after waiting for over two hours while they laughed. While at the police Dept the officer took me to the back and began interrogating me because the manager called them saying I made a threat to shoot up a post office which was a lie. I have been diagnosed with XXXX  XXXX XXXX XXXX along with XXXX XXXX  XXXX in which I informed the employee at Title max. After leaving the police station I went to the DA offices. XXXX of the Investigators attempted to resolve the situation, but they even lied to her saying my truck was repo that day the XXXX. I am being charged a daily interest fee on a truck I can not get which is an extra XXXX XXXX They made me renew the loan bringing the total to XXXX XXXX The gravity of this company greed is beyond a mere fine. Unless The CFPB send a message that Title Max will understand they will continue to harm consumers like me. I still do not have my truck because they will not allow me to get it until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a service-disabled veteran. In XX/XX/2023, I opened a Turist Simple business checking account with Truist Bank for my vending machine company - named " XXXX XXXX XXXX XXXX  ''. It is a small business and I only have XXXX vending machines. 

I opened the account with a {$500.00} deposit on XXXX and another {$110.00} deposit on XX/XX/2023. Since that time, I had only made a few very small withdrawals of approximately {$10.00} per month ( or less ) to pay a commission to the business where the machines were located. I also deposited another {$100.00} in XX/XX/2023. 

On XX/XX/2023, I visited the Truist Branch to make a {$200.00} deposit. At that time, I asked for a balance on my account. I was then informed, by the teller, that I had a balance of {$2.00}. I was very surprised. He then proceeded to tell me that there were XXXX withdrawals made against my account in XX/XX/2023 by a company online, XXXX. On XX/XX/2023, a withdrawal of {$290.00} and on XX/XX/2023, a withdrawal of {$390.00}. Total : {$690.00}. Neither of the withdrawals were authorized by me. 

I immediately filed a Fraud Claim # XXXX with the Truist Fraud Department , on XX/XX/XXXX, the day I became aware of the unauthorized withdrawal. I also immediately contacted the Police Department for XXXX XXXX XXXX, Virginia and filed a Police Report # XXXX on XX/XX/2023. 

On XX/XX/XXXX, I made a follow-up call to Truist to inquire about the status of my Claim # XXXX and I was told by the Fraud Department that the Claim was denied because the bank has a policy that the claim must be filed within 30 days of the Fraud being committed. I immediately asked for the decision to be revisited and elevated to a higher level. Because I was not aware of the Fraud to my account until XX/XX/2023, I was told by Truist that NO investigation was conducted - only a determination made because of the Truist XXXX notification policy. I also contacted the company XXXX, on XX/XX/2023, via email to report the XXXX and request that my money be returned/refunded, as it was unauthorized. 

I am requesting your assistance in getting Truis Bank to conduct an investigation, recover my funds- {$690.00} and return my money back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP

Complaint narrative:
I set up an account with Associated Bank  in XXXX WI. After I decided that the XXXX was where I intended to retire. This was in XXXX. I chose them because of their international banking abilities. They first stopped my Banking ability because I didn't have a US address. I gave them a US address in XXXX, California XXXX. The account was reactivated and was good for a few weeks. On XXXX XXXX they stopped my account and told me that they were sending the balance to my address in the Philippines XXXX This account ( my Social Security Check is what I live on. I have no other means of support. I must have this direct deposit from Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I reached out to XXXX the original debt collector they couldnt find the account nor had any information to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the XXXX XXXX XXXX account about XXXX XXXX XXXX with all XXXX credit bureaus from my XXXX XXXX credit report. My dispute letters dated XX/XX/2022, stating that this account was purchased/ sold to another lender. I do not owe money to this creditor and is being reported inaccurate as well. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

This is what my dispute letter states to all XXXX credit bureaus. I'm stating now and again, please delete this account. There is no need to modify, verify or adjust anything. I don't owe money to this creditor. Please delete. See attachment for the dispute letter and credit report. 
I don't understand why do ya 'll allow companies to continue to report on consumers credit reports when they have sold the accounts to other lenders. When we dispute this matter, ya 'll always

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following is the list : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My loan matured XX/XX/2023. It took XXXX XXXX bank 6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My loan matured XX/XX/. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My loan matured XX/XX/2023. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Experian is governed by 15 U.S.C 1681, Experian has violated my rights numerous of times. I demand the account below be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Experian written permission to furnish these accounts. I have no contract with 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
on XX/XX/25 I went to student aid.gov and applied for the SAVE program to see if it would greatly reduce my monthly payments. I did not realize that in doing so this would rectify my income for IDR programs. 
I have called Aidvantage and requested they REMOVE this recertification from my account and they refuse to do so, even though I am not due for recertification for 6 Months post the date of my loans becoming due. 
The woman I spoke with at AidVantage told me this was not possible. I know she is not correct because I made this mistake once before like 8 years ago and had the application removed or rejected by my loan servicer ( XXXX  at the time )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account has not been properly working since XX/XX/23. The funds have not been properly reflected. Payments keep getting declined and no money is going in. 

My paycheck goes to my account through direct deposit, and it deposits a day before the holiday. I havent had access to my account since Thursday, every time I try to use my debit card it gets declined. I have reached out to my job for them to redistribute my check and they told me if it gets returned it will be added to my next pay period. I have payments to make these next two weeks. 

Also, when I ask what is the issue and what caused it, I dont get a good enough responce. My husband has chase as well and he did not have this issue. 

I am angry about all the fees I am about to have to pay for late payments and how it will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I accepted a payday loan of {$500.00} on XX/XX/XXXX. The original due date was XX/XX/XXXX I was going out of town due to a family emergency. I had asked to go on a payment plan in hope that things would get back on track unfortunately my hours were cut I am on a fixed income and Im barely making it. Today XX/XX/XXXX I reached out to see if there were options to set up arrangements to pay. I was told that due to the extended payment plan Im on the agent is unable to move it. I explained that my account is going to overdraft and I can not afford to have it happen and she didnt say anything. I can not afford an overdraft I have bills and other obligations to pay. She said if the payment doesnt go through it will go into the in house collections. I have previously had loans in the past and they were successfully paid and now there isnt any accommodations. I am not very happy. I am on a fixed income and Im barely making it. I would like a resolution to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Someone stole my identity at XXXX XXXX  and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone stole my identity at XXXX XXXX  and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.

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 2023-11-13 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following is the list : 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