vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2023 Wells Fargo failed to help resolve an unauthorized transfer of funds of {$470.00} for an airplane ticket from XXXX to the United States.. I had an investigation placed and they bank failed to refund my funds due to claims that it didnt look like any suspicious activity on my account. AFTER I informed them by law Im refined from any airline travel. I was put in a tough position that cause me to late on rent because I didnt have access to my funds!

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 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I noticed that Transworld Systems was reporting a collection account with XXXX XXXX XXXX XXXX on my credit report. I am not familiar with this account. I reached out to Transworld Systems several times via letters asking them to validate this account or remove it from credit report and they have not responed to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Previous complaint # XXXX filed on XX/XX/2023 and closed on XX/XX/2023 as Experian claimed the problem was fixed and I would have full access to my credit file. I continue to get this response : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. 

On XX/XX/2023 I received a telephone call from a representative at Experian who indicated I would have full access to my credit file. I still can't not access it. The previous complaint referenced above should not have been closed. 

The last time I had access to my credit file was on XX/XX/2023. 
I've attached the name and address page from my XX/XX/2023 credit report.

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 2023-08-05 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: NY

Complaint narrative:
Creditor file 1099c this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the 1099c is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.

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 2023-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Creditor file 1099c this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the 1099c is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Obtained a title loan # XXXX from XXXX XX/XX/XXXX in the amount {$11000.00} with interest XXXX XXXX to be used to make a down payment for business rent. 
I used my VA XXXX to qualify for the loan and make payments. As of XX/XX/XXXX, my current interest rate is XXXX  XXXX. I have been harassed with many phone calls and text messages for many months in an attempt to collect late fees in the amount of {$110.00}. 
I have made many phone calls to this company to ask them to stop charging illegal late fees. I have not once been over XXXX days late with loan. 
This company is in violation of the 2007 Military Lending Act by charging me over XXXX XXXX in interest fees and illegally charging late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: CA

Complaint narrative:
Experian continues to display these accounts below on my personal consumer report. I am building a suit against Experian as I have disputed these items before and Experian claim these are in fact my accounts and that the my claim for error, identity theft and fraud is continuing to be ignored. Consumer previously demanded that Experian cease and desists and block listed accounts as Experian continue to provide no evidence of to support its claim. I also have chosen to opt-out of each of these accounts being reported to my personal consumer report. Experian continues to violate my privacy. If I have ever given consent, I am now rescinding that consent to furnish any of these accounts onto my personal consumer report. 

XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX  ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX ********** XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXXXXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

In accordance with the written instructions of theconsumerto whom it relates.

According to FDCPA, a consumer report can not have misleading and false information on it. All late payments are illegal and all charge off 's are a violation of securities fraud and tax evading if not reported as income but I have not received any 1099 's. 

15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: MD

Complaint narrative:
Greetings, I recently opened a bank checking and savings account with First tech federal credit union and within XXXX days had account frozen. My cash balance in accounts are unavailable and I couldnt afford to buy food. 

I sent email and called twice to verify Im the account holder but they have continued to extend timeframe for account freeze.

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 2023-08-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX reports a balance that is ten ( XXXX ) times what it should be. Balance should be around fifteen ( XXXX ) thousand dollars for this account/trade line but is reporting with a balance in excess of one-hundred fifty ( XXXX ) thousand dollars to Equifax, XXXX, and XXXX XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of XXXX- and XXXX- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TRYING TO UPDATE NEW RESIDENTIAL ADDRESS MULTIPLE TIMES WITHOUT SUCCESS. 
CONTINUE TO RECEIVE MAILINGS REQUESTING FOR PREVIOUSLY SUBMITTED INFORMATION. 
THIS IS CAUSING MAJOR HARM TO ME AS BANKS ARE UNABLE TO VERIFY IDENTITY ATTACHED DRIVING LICENSE AND UTILITY

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 2023-08-05 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: AL

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act the creditors above has violated my rights as a consumer. I would like for these accounts to be REMOVED. 

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 an account without my written instructions.

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.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures 15 U.S.C. 1666 ( b ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose V/R 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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
we have sent in Several verification letters with my written signature on it. Transunion refuses to send any type of verification

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 2023-08-05 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
There was a charge made in my Venmo issued card. I did not place the order and did not receive the item that they said was ordered. The charge originated from XXXX. I contacted XXXX  and they were not able to find an order associated with the transaction. The claim number is XXXX. 

I filed the dispute on XX/XX/XXXX. I was told they are waiting for the merchant to respond. To date the merchant has not responded. I contacted Venmo and was told the the mediated the dispute on XX/XX/24 and I have to wait 50 days from that date for the merchant to respond. This pushes the time to almost 5 months. 

I dont understand why I am waiting additional time for an unresponsive merchant to respond. They keep extending the time for a resolution. This seems unethical. Im sure there is a time frame for this. 

I recommend people be very careful with using Venmo. They do not have the interest of their ad users as a priority and do not protect them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: World Acceptance Corporation
State: PA

Complaint narrative:
World Finance believes in treating all customers with respect and transparency from their commitment to comply with applocable federal, local, or laws. There's no World Finance Branch in any vicinity nearest the XXXX XXXX region for me to request those records from being lost in history. A loan was repaid on my car without being added to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: NJ

Complaint narrative:
XXXX XXXX marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have an American Express credit card account that has been active for 7 years. During these I have never encountered a problem until now. In XXXX I received an email threatening to lower my limit unless I paid them over {$3000.00}. I thought the demand was outrageous. For starters I am going standing with my account, no missed nir late payments. So, I called to see what going on and the rep tells me that American Express done a review and that it may have been something on my credit report. I knew it wasnt anything going on with any of my creditors. I explained that to the rep and voiced my disappointment with their practices. 
After I decided to check my report and found that my debt ratio had increased because a creditor placed a duplicate account on the reports. However, ALL of my creditors are in great standing, nothing reporting negative ever. I called Amex back and explained the situation while voicing my concern of target good card holders regarding nothing that affected the accounts I hold with them. I got nowhere. Meanwhile, my account has been flagged to receive multiple texts ( I never signed up to ) and emails reminding me to pay them. Harrassment for no reason. 

I checked my credit report today XX/XX/2023 and American Express reducing my account has cause XXXX XXXX  point drops to my credit reports. American Express has damaged my credit for no reason. I could see if I did not pay or missed payment even payments, but I have not. They based their decision because of my credit report and because I was not paying them off? Who doees American Express think they are. This company has totally gotten this practice all wrong.This is agreed terms of a credit card this is not a charge plate. I pay at least what is required. 
American Express is horrible and harrassing good customers for money. I am not sure if the company is doing bad, but this kind of treatment is inexcusible. I am not one of those customers that does not pay to agreed terms of the account. American is has damaged my credit for nothing. I refuse to be muscled, harrassed or pressured into paying off the balance when they tell me to. When I decide I want to pay in full I will, but until then they will receive payment as agreed. They claimed to be prestigious, but they are trash. An excellent company would never, never do something that would damage their customers creditor without it being warranted. I have warned every family member and friend to beware of their unfair practices to loyal, paying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2022 I attempted to purchase a XXXX worth {$16000.00} at a XXXX authorized dealer XXXX. While checking out, the XXXX monitor stated that it could only approve {$10000.00}, in that very moment we voided the transaction in which I was issued a receipt for. Soon after I called my bank ( Citi Bank ) because somehow the funds were still drawn without my approval, while at the store I called the bank and was told I would have to file a claim ( which is one of many claims and appeals I've filed with this bank ) and submit the voided receipt in order to get this sorted out. Despite providing to the bank all the documents they required in order to resolve this problem, which they stated in writing and over the phone they still deny my appeals and claims. Instead they have told me to take it up with the merchant, so I did and they say that their accounting department can not do anything because funds were never received on their end. I have paper trails of communication between the bank, myself, and the merchant. The bank is clearly withholding {$10000.00} that belong to me which have set me back substantially, they show little to no regard and fail to explain where my money is show no effort to help. The merchant has diligently tried to offer as much help as possible but Citi Bank fails to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr Cooper marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I initially wrote to National Credit Adjusters a third-party collecting agency in XXXX of 2020 requesting a letter of validation for two account they have acquired and are trying to collect. One in the amount of {$560.00} the other {$720.00}, they responded in XX/XX/2020 stating, " They needed more time to investigate. '' since then I have not heard from this company after reaching out several more times asking them to stop all reporting and collection efforts without properly verifying the alleged debts, However, they continue to violate my rights as a consumer by continuing to report this unverifiable debt to the reporting agencies. This company has exhausted the time allowed for an investigation period. They are making it difficult for me to establish credit with other companies. This has been going on for three years without validating these alleged debts.

Company response to consumer: Closed with explanation