vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I purchased my 2nd vehicle from XXXX XXXX. I went back because my first truck was perfect never had any problems. this particular XXXX XXXX was perfect so I thought, I trusted this company, since I had been there before, and they reassured me that they do a full check on all of there vehicles, and I was getting a great deal. 

6 months into the loan, the XXXX had major problems, from key not working, computer issues, fuel injection problems, transmission issues along with faulty brake system starting to happen. 
I took the truck to several places, and they stated i got a bad deal, the truck was totally patched up, and I should trade it immediately. 
Finally I stopped driving the truck, and stopped making payments until I was able to come to come to an agreement with the finance company, who I explained what was going on, where the truck was, could they work with me? They where only concerned about the payment, not that the truck as no longer running. ( Regional Acceptance Corp XXXX NC ) .after 8 months I told them I would have to do a voluntary Repo, if they could not put off payments until the dealership came to resolution about selling me a LEMON , because of my age I feel this is predatory lending. They knew the truck had water damage and other issues, and sold it to me at 28 % interest. I believe they where working together. ( XXXX XXXX and Regional AC ) To make a long story short, they picked up the truck with NO NOTICE, No correspondence for a repo was ever given or sent. The first letter I got ONCE the car was picked up was XX/XX/XXXX, " you broke a promise '' so we picked up the truck '' that was sold to me for XXXX and it would be sold on or before XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating they sold the truck for XXXX, and I still owed them XXXX in interest. This is Predatory lending at its finest, I want all information removed for ALL 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: WA

Complaint narrative:
I've been trying to close my online savings account with Bask Bank since the middle of XXXX. My last conversation was on XX/XX/XXXX. They said it's been closed but I'm still able to log into it. Is Bask Bank a ligetimite bank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a ShopYourWay Citi Credit Card I opened a few months back. I was able to use it and make purchases fine for a few weeks but then it was locked for potential fraud. I called customer support and got that issue resolved, providing my info and verifying my transactions as requested. Card worked for another few days, then was locked again. I called customer support and this time was placed on hold on one line, while receiving a second call to verify my identity. Card was successfully unlocked and I requested that they please stop locking my card, and make note that this card was going to be see a high volume of transactions. Card was locked again within a few days, and was unable to be unlocked. Customer support was not willing to verify my information any more over the phone, and advised me that they would call back within XXXX hours to provide a pin of some sort to unlock my card, OR that I would receive a letter in the mail with the necessary info to fix my account. Neither such method of communication was received. I waited two weeks, more than enough time for either method of communication, and then called back and tried to get the hold removed, with no luck. Customer support advised that they would be sending a letter or calling me once again, however it has been another two weeks and I have still received no communications from Citi Bank. This is incredibly frustrating as no attempt to resolve my issues is being made by the bank, and support staff are unwilling to verify my card even with me willing to provide any info required.

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 2024-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: CA

Complaint narrative:
I was recently employed by XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. We are paid weekly through ADP. I chose direct deposit as my form of payment. Initially I mistakenly gave ADP direct deposit information to a XXXX  account I used to have that is now closed. ADP sent my first two paychecks to XXXX one in the amount of XXXX on XX/XX/XXXX and another in the amount of {XXXX} on XX/XX/XXXX. The deposit of {XXXX  was returned to ADP by XXXX because the account is closed and those funds were mailed to me no issue. The deposit of XXXX} was also returned by XXXX to ADP but ADP is claiming they have no record of the funds being returned. I have had XXXX print out proof of the return and had a XXXX representative show me in their system that they no longer have the funds. ADP refuses to accept the proof XXXX has provided and it has now been a month and a half without my earned compensation. My employers at XXXX advised me to connect XXXX and ADP via phone call to which has been a failure because ADP does not provide phone support to individual employees. I have exhausted all attempts to resolve this issue with ADP directly and I urgently need my allocated funds that I earned & need to care for myself & my child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. YOU ARE REPORTING LATE PAYMENTS WHEN I WAS NEVER LATE!!! 

1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Loan forgiveness my college is no longer in business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I transferred funds ( XXXX ) to avoid overdraft fee But because of the branch delay in processing my XXXX dollar transfer, the overdraft fee was charged. I spoke to the bank and was told that at XXXX XXXX is when the transfer was made but that is not true. I also ordered a movie from prime @ about XXXX on XX/XX/24 that payment is showing pending for XX/XX/24 but the transfer for XXXX is showing a XX/XX/24 pending and the transfer was done before the prime movie. 
If my account was overdrawn why did the movie go through I am opt out this is not adding up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been contacting XXXX to resolve a credit card account since XX/XX/XXXX. The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( XXXX, XXXX, or Transunion ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been contacting XXXX to resolve a credit card account since XX/XX/XXXX. The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( Equifax, XXXX, or XXXX ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been contacting XXXX to resolve a credit card account since XX/XX/XXXXXXXX XXXX The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( XXXX, Experian, or XXXX ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from 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 non-monetary relief
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear XXXXXXXX XXXX , I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 
Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 
I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation