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: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
The problem I selected was the closest I could get to what happened but there was not an option to check for the true nature of my situation. Also, I have uploaded the typed version of exactly what happened. Basically, it was the title loan company let my brother take out a title loan on a vehicle that was listed with both our names on the title with and not or listed on the title so the loan should have been put in both of our names because we are being told that if the title states and one person cant do anything without the other person.

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 — Public record information inaccurate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It May Concern, I hope this email finds you well. I am writing to follow up on an unresolved dispute with Citibank, associated with complaint ID : XXXX. Despite my repeated attempts, Citibank has failed to adequately address the issue, incorrectly asserting that the window for dispute has closed. I would like to bring to your attention the circumstances surrounding this dispute and the subsequent detrimental effects on my credit score. 

The dispute in question is related to a transaction made through XXXX, a company of XXXX XXXX XXXX. It has been acknowledged by the merchant that they did not forward my paid taxes to the state of Illinois, which subsequently necessitated my repayment. In writing, the merchant has requested that I initiate a dispute with my issuing bank, as they are unable to issue a direct refund since the funds have already left their coffers. 

However, my issuing bank has not only refused to honor my rights as stipulated by Regulation Z ( Billing Error Resolution ), but it has also charged me interest on the disputed amount. Furthermore, the bank has added a line item to my credit report indicating that I initiated and lost a dispute. These actions have had a severe and negative impact on my credit score and financial well-being. 

Therefore, I respectfully request the following actions be taken : 1. Reexamine Dispute XXXXXXXX : I urge the issuing bank to thoroughly reassess the details of the dispute. It is unrealistic and unfair for the bank to expect customers to possess knowledge beyond what the merchant displays as its name on its website. Therefore, the bank 's claim that I submitted the dispute with the wrong merchant is false and misleading.

2. Remove Accrued Interest : I kindly request the immediate removal of any accrued interest related to the disputed amount. Charging interest on an unresolved dispute only exacerbates the financial burden imposed upon me.

3. Remove Credit Reporting Line Item : I request that the line item added to my credit report, indicating that I initiated and lost a dispute, be promptly removed. This erroneous entry has significantly and unjustly impacted my credit score, hindering my financial opportunities. 

I emphasize the urgency of this matter and the detrimental consequences it has imposed upon me. I implore you to address these concerns promptly, rectify the credit reporting inaccuracies, and provide a fair resolution in accordance with the applicable regulations. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues in a timely and satisfactory manner. 

Thank you for your understanding and cooperation. 

Sincerely, 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: 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: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

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: 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXXX/XX/1977
XXXX



Name: XXXX XXXX XXXX  Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE


Name: XXXX XXXX XXXX
Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX  Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX
Acct # XXXX
Balance: XXXX XXXX  This account isnt mine/ ID Theft


Name: XXXX XXXX
Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE

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 — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Optum bank holds my HSA funds. My employer 's benefits provider selected this bank. Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account. This was found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. 

I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I've contacted my employer 's benefits provider but unfortunately there are no other HSA banking options other than Optum

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
This complaint is against Apple Savings account managed by Goldman Sachs. I initiated a withdrawal from my Apple Savings account to my checking account on XX/XX/. The confirmation page displayed in the app clearly stated that the transfer would complete within 1-3 business days. On XX/XX/, after waiting for 3 business days, the transfer was still in pending. I called Apple Savings and was told that a transfer would take 5 business days. I was advised to call back on XX/XX/XXXX  I called back on XX/XX/XXXX  and again on XX/XX/XXXX  because the transfer still showed pending. I was then told that the transfer was under review. When I asked how long the review would take, I was told that there is no timeline. The customer service person also stated that it could take up to one year or more. I was left speechless. I would like Apple Savings account managed by Goldman Sachs resolve this issue for me as soon as possible.

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: World Acceptance Corporation
State: TX

Complaint narrative:
I Disputed these innacuracies with company and my issue was not fixed company is reporting multiple innacuracies on this closed account payment history and balances is different across all bureaus i requested proof of account payments being late to no response instead company updated my credit report with more late payments with no proof I am requesting for this trade line to be removed from my credit report for failure to accurately report I have attached how account history is being reported across all bureaus thank you.

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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete these items 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: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 there were 6 withdrawals from my checking account at Wells Fargo bank in $ XXXX increments totaling {$5700.00}. 
We reported it to the bank on the XXXX when we first saw it. Bank made no attempt to inform us that this happened and being that it overdrew my account, they should have seen the red flag. I have banked with them for 29 years and through reviewing my history, they can see that I wouldn't do this. 
The bank refuses to give me details about these withdrawals saying they will let us know in 30 days. They also have come to the conclusion that the withdrawals were made by us, which they were not, nor was there any authorization to withdraw. I suspect identity theft. 
We have found on our own that the entity who removed the funds was XXXX XXXX XXXX. 
We don't and have never dealt with stocks or bonds, and we certainly wouldn't overdraw our account to invest in this. 
Our income is Social Security. 
I have spoken with many bank employees at the bank and even went to the bank to see if this problem can be resolved, and each say they can't divulge the info. and therefore I am unable to resolve it with the thief. 
I do have a fraud claim # XXXX. I received a letter from Wells Fargo on XX/XX/2023 stating that the case was closed and they will take no further action. 
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 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Im sending this complaint to chase bank and I am demanding that chase bank settle these four accounts that were open fraudulently in my name, I do have an attorney hired to help me with this, but Im referring that myself handle this because I am a victim of identity theft I was made aware of three checking accounts and one credit card that was open in XXXX and closed in XXXX, and these other accounts open around XXXX, I did not live at the address thats on these account, so Im asking chase bank to settle these accounts and resolve this situation before I turn it over to this attorney name XXXX XXXX, I can and I will excercise my right to arbitration if necessary, im asking XXXX pure account that was open which comes to XXXX and taxes on that XXXX is XXXX x22 percent, I have tried over the phone but instead got treated very badly and disrespected, im demanding that these accounts be resolved before I move this matter to the attorney which is helping me with my identity theft, your rep at the XXXX XXXX XXXX poor customer service would not help and did not get anyone on the phone to help me, I have filed a ftc identity theft report about this, now resolve this matter I do not want an account with chase bank period, but yall have accounts that are open fraudulently in my name, you can call me to resolve or email me, I am a victim of identity and I do have documentation to show that I am my identity was used to open these accounts now settle this matter.

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 making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On or about XX/XX/XXXX  I attempted to pay my rent through the XXXX XXXX XXXXXXXX XXXX portal. The transaction was not approved due to a mismatch between the ZIP code on record and my address. When I went into the branch they at first verified all was good ( I had been receiving paper statements to my address for some time ), then upon further research saw that an old address had somehow been populated in another part of the system. My card had always worked on similar transactions, so this must have occurred recently. The branch made the correction, I tried the transaction again and it worked. Unfortunately, I was charged a {$150.00} late fee. 

I called the XXXX Customer Service number and was told the bank could ( would ) not refund the fee. I am registering this complaint in the hopes of being reimbursed the fee.

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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
TO WHOM IT MAY CONCERN I recently received a copy of my ChexSystems report, and I noticed some information that has not been removed according to XXXX. I have received an email from XXXX stating that you guys remove my information from ChexSystems. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Remove the information from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, 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: 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have called all 3 bureaus numerous times from last year until this morning due to inaccurate information on my reports. They refuse to remove innacurate names and addresses along with collections that dont belong to me and can not be verified, and also say I cant dispute anymore because its been validated but yet I have not received any validation of my debt. 
Collection in amount of {$5200.00}, {$2000.00}, {$4900.00}, {$390.00}, {$4700.00}. I have called each of these debt collectors requesting debt validation and they refuse and then hang up on me. I then tell this to the bureaus and they do nothing. These accounts do not belong to me and I only have ONE name and ONE address.

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: EQUIFAX, 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, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed a charge on my Truist XXXX and immediately filed a claim for it when it posted on XX/XX/XXXX claim XXXX. The charge was {$1200.00} for a plastering company in RI. I live in FL have no idea who the company and have never done business with them. When the claim was filed Truist stated they would investigate it, send me papers to sign for the dispute, block the card and reissue it. They also stated, it would take about 14 days for the claim to resolve. While the transaction was under investigation the amount would be deducted from my current balance, would not affect my minimum payment amount and I would not be charged interest on the card. I followed up on the claim on XXXX was then told I would need to wait longer for the dispute to resolve, and brought up the fact the amount was still in my balance, accruing interest, and affecting my minimum payment amount. On XX/XX/XXXX I noticed two additional fraudulent charges were made on the same account with the card that was supposed to be blocked and reissued. I confirmed with the representative that the card in question was never blocked and reissued and the charges were allowed to post so I filed another claim for those XXXX. I again questioned the resolution of the original claim XXXX made back on XX/XX/XXXX. I was told the claim could take up to 2 statement cycles. I have two statements one for XXXX one for XXXX both have the {$1200.00} amount showing, accruing interest, and affecting payment amount. I have lost all confidence that this claim will be resolved correctly, and me made whole as a consumer. Please help.

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