vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Title loan was paid off in XXXX  at Title Max and the amount that was paid back was exceedingly higher than what was borrowed I was over charged for the pay off amount the store manager took advantage of me because she repossessed my vehicle because of a late payment and so I had to pay off the whole loan before I could get my vehicle back and they added money to the loan because I was desperate and needed my car so they took advantage of this situation. The loan has been paid off but they over charged me and the store manager disappeared and no longer works there when I tried to go back to inquire about it please help me to resolve this issue they took too much of my money in the pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-24 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I ordered a XXXX XXXX '' grddle advertised on XXXX through Wayfair  for XXXX. Upon receiving my receipt I could tell this wasn't from Wayfair and didn't look right. 
There was a button on the receipt asking me to add my paypal account login info. I immediately tried to cancel to no avail. I then contacted Citi and instructed my card be cancelled due to a fraudulent transaction. Citi complied. I never received the griddle. They started an investigation which concluded on XX/XX/XXXX finding that because I ordered the griddle,, I was responsible fro the payment and charged my card. I immediately contacted CITI who said it shouldn't have been filed as a fraudulent transaction but rather a purchase dispute. They said they would proceed as such. On XX/XX/XXXX I recieved a letter that the investigation is close, there was no reimbursement. When I inquired, i was told because it was initially filed as a fraud complaint it couls not be re-opened. i have substantial screenshots showing this was a scam seller, screenshots of communications that I could never offer Citi. There guarantee of purchase protection is falsely promised. I am hoping CFPB can help me sunset this matter in a just 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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A XXXX ( XXXX ) credit card was fraudulently opened in my name. Allegedly in XX/XX/2009 the account was open and the following year the account was said to have been closed, then Midland credit management started pursing the case. I am requesting to dispute this matter. Garnishments from the company has been placed and I would like correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I tried to purchase and trade in a car through Carvana. After submitting my title, they requested " trade verification '' that the title was listed in a business entities name. Clearly, title had been transferred to my person in XXXX of XXXX on the title. I called on XX/XX/XXXX to get further clarification. The representative agreed that the title clearly showed transfer to my ownership and said they would cancel the request for additional information. On XX/XX/XXXX, less than 24 business hours after initiating the transaction, Carvana canceled and claimed to refund everything but the " non-refundable '' {$1900.00} shipping fee. After calling them again, they stated that they needed free and clear title, when I pointed out the language on the title certifying that " this title is free and clear of all liens '' they volunteered to refund XXXX to my bank account via ACH. It was an acceptable outcome. 

On XX/XX/XXXX I checked my bank account and saw that the money had posted to Carvana out of my account. When I called again on XX/XX/XXXX they stated they would not be refunding the {$1900.00} because it was " non-refundable '' and that I had agreed in the contract to pay the fee regardless of the reason for cancellation. When asked if they would review the recorded calls, they stated they only review calls under court order. When asked for a copy of the contract, Carvana sent me a mailing address for their legal department and stated that they delete all contracts if the transaction is cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Remove the account as soon as possible

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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
I was a victim of identity theft. USDOJ has already convicted XXXX persons for it. 
In late XXXX I received a collection notice for a XXXX XXXX and contested it. 
On XX/XX/XXXX I received a letter from XXXX confirming the account was deemed fraud. 
Today I received a collection notice from another agency, Source Receivables Management, for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX  account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report.

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency.

I demand that you take the following actions within 4 busi
ness days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX  account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts.

4. Provide me with written confirmation once the necessary corrections have been made.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act.

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation.

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require.

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 my mobile phone was stolen. The thief was able to access my bank and credit accounts at JP Morgan Chase Bank and made fraudulent transactions. The credit card issues have already been resolved. However, the fraudulent transactions the thief made involving my bank accounts at JP Morgan Chase Bank have yet to be resolved. 

Using the stolen telephone, the thief or thieves were able to access my savings account and checking account. They transferred my money in saving to checking and then made a {$2000.00} XXXX transaction, made a {$3800.00} purchase at an XXXX XXXX and bougth XXXX currency through XXXX in the amount of {$2200.00}. I filed a police report with XXXX XXXX XXXX Police Department and filed a claim with the banking institution advising them that these transactions were not authorized and were fraud. 

The bank has failed to reimburse me for the transactions and instead has essentially accused me of making a fraudulent claim and filing a false police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/23 I received a new application alert from XXXX. The morning of XX/XX/23 I received an alert from XXXX XXXX XXXX that {$12000.00} had been withdrawn from my savings account by XXXX CITIBANK , N.A . which was not authorized by me. XXXX XXXX XXXX CITIBANK , N.A . I called XXXX they gave me the number of CITIBANK to contact them, I called XXXX spoke to the Fraud Department to XXXX. I explained I had not opened this account and that my credit file was locked on all three credit bureaus and didn't understand how this could happen. She gave me a case number XXXX and assured me the account would be locked and closed, and I would receive a report in my mail at home. ( unfortunately, I was on a 3 week trip to NY and wouldn't be home till the last week of XXXX. I then called my bank XXXX XXXX XXXX XXXX and put in a dispute over the transaction. On XX/XX/XXXX XXXX had returned the money to my Account and locked it to prevent further activity until I could get back and open a new account to transfer funds to. I returned home on XX/XX/23 and opened a new account at XXXX XXXX XXXX at which time I transferred my existing funds to the new accounts. I have yet to update all direct deposit information to my existing accounts. I have tried serveral time to reach out to CITIBANK and on each attempt they were unable to provide me any information but instead told me I need to go to a branch office to solve this issue. I explained the closest branch office is over XXXX miles to the other side of the state. I have since reached out to XXXX who recommended I file this complaint. I would appreciate any assistance as I have received checks, and atm card and other material from CITIBANK. Please advise if you need any further information,. 
ps- I did try to contact the local authorities who advised me that because my money had been returned they couldn't open a complaint.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was scammed out of $ for advertising and marketing services that were paid for with my LLC funds out of my PNC checking account. I notified PNC of the transaction reversals that needed to be done to return the funds for services not received back to my account ( as the funds were returned to my PNC credit card within 72-hours, maybe less than that ). 
However, I have been chasing PNC around for what will be a year in XX/XX/2023, after providing them with endless documentation to validate the fraudulent scam and an export of the date ranges from my PNC online account with the dates of service and amounts for each transaction. 
I would like to know when I can expect the funds to be returned back to my account. 
PNC also does not respect my work hours, as months ago when I first filed the complaint, I took time from my actual Congressional job to devote time to resolving the matter. Unfortunately, PNC 's antics were unbearable and became a waste of my workday so " XXXX '' needs not to call me unless it's on my off-hours ( after XXXX EST ) as I have already provided PNC with well over a handful of documents to support my claim and at this point, the funds need to be returned back to my account before additional branches are forced to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 no knowledge of this account, XXXX XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXXXXXX XXXX XXXX I sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX. I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXXXXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.

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