vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I had taken a personal loan on XX/XX/2022 for {$5800.00} and i paid it off XXXX XX/XX/2022. When my refinance company paid it off {$5700.00}, NET CREDIT told me i still owed {$650.00}. So i sent a check for {$650.00} along with the {$5700.00}. 
i had contacted Net Credit the following week. and the women I spoke with told me they were cancelling the check. This check was cashed ar my bank on XXXX XXXX XXXX i called Net Credit and told them the check was cashed after telling me it would be cancelled. They told me thaT the check was not cashed. I then sent them proof from my bank it was cashed. Then they told me the check was applied to my loan. I have been trying to get a amount of the payoff. they continue to tell me it is paid off. i wan a account statement the amount of my pay off and the amount I paid on interest I requested this 3 times and all i get is the loan is paid off! no amounts ere given to me other then don't worry loan is paid off. It seems really really odd thar they don't want to give me numbers and the {$650.00} checked canceled then cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the rights 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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and anxiety.

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 2022-04-12 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: MI

Complaint narrative:
I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Received a settlement offer on a credit card account and sent payment XX/XX/2021. The money order was not accepted so it was to my understanding that the debt was not owed anymore. Portfolio Recovery checked my credit profile and said that they were now the owners of the debt after XX/XX/2021 after the payment was already made to XXXX XXXX ( the original debt buyer ) portfolio damaged my credit worthiness in relatiation to me stating that they didn't report on my credit profile prior to our conversation. This has done extreme damage to my ability to seek employment and other forms of credit. I would never imagine a business would be vindictive in a time where everyone is suffering due to the current situation we find ourselves in with covid 19 and a weak economy they see as a time to capitalize on misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: MI

Complaint narrative:
I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, XX/XX/2021, my PIN number and ATM card were stolen. That night at XXXX XXXX  I called M and T bank and put a block on my card and account after realizing my card was missing. 

On the next day, Tuesday, XXXX XXXX, XXXX, I walked into my branch of M and T Bank and found my bank account was emptied of its money, about {$490.00}. 

At this point, I reported my ATM card stolen. We started disputing individual charges. We did about 3 charges of about 9 charges that were not made by me. Unfortunately, one of the charges we disputed was a charge I actually made. 

I came back to the branch on XX/XX/XXXX, XXXX and we disputed the rest of the charges made by the thief. 

The bank gave me a provisional credit of {$570.00}. 

Then the bank made a decision that the disputed charges were charges made by me because the person used my PIN to make the purchases. ON XX/XX/2021 the bank took that amount, {$570.00} back. 

The other potential reason was that some of the disputed charges were charges I actually made. But this was caused by a miscommunication by the branch manager and me. 

So the thing is, I reported the card stolen the next day to the bank. I didn't know the PIN was stolen also. The bank should refund me the money for the charges that were made by the thief. I have spoken to the bank 5 times and they refuse to return the money saying I was the one to make those charges since the PIN was used. 

The charges were : XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX and XXXX  {$30.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX {$10.00} XXXX XXXX {$63.00} XXXX XXXX  {$3.00} XXXX XXXX XXXX {$120.00}

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 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I received a loan with Mariner Finance. I made more than the monthly payment on my first month and my balance did not reflect it. I was told in XXXX of XXXX that my payments were current until XXXX of XXXX. I wanted to pay the principle as explained to a Mariner finance. She explained making payments online will go towards the monthly payment. When I said I want to pay my " principle balance '' in XXXX and XXXX my balance was still not correct and found my payments current until XXXX XXXX. I would like the finance and interest charges from XX/XX/XXXX to XXXX XXXX returned. 

XXXX  closed my case because Mariner Finance employee was able to copy and paste their previous message when I asked for specific calculations. I feel wronged and I need your help. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

If the following items are not removed in 4 business days TransUnion will be in direct violation of 15 U.S. Code 1681c-2.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 


Fraudulent account : XXXX XXXX XXXX ( Account Number : XXXX ). Fraudulent inquiries : XXXX  ( Date : XX/XX/XXXX ), XXXX ( Date : XX/XX/XXXX ), XXXX XXXX XXXX Date : XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: AZ

Complaint narrative:
I have 3 credit card accounts with inaccurate information see the letter enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX has a XXXX accounts under my name XXXX XXXX XXXX ending in XXXX, and XXXX. 
I paid off both balances in Full and called to close both accounts. The store where I opened the account in XXXX, Washington, downtown, XXXX on XXXX XXXX zip code XXXX, went under in XXXX and that is why I wish to close both accounts. I am not sure if my phone is being monitored through AT & T, phone number ( XXXX ) XXXX but the call did not feel secure and I feel uncertain that both accounts will be closed. I closed the account by phone today XX/XX/XXXX with a woman named XXXX it was not automated, the call felt like a third party a scam XXXX and not a real Macy 's respresentative. 
Can the Consumer Financial Protection Bureau make sure the account is closed. And that there are no accounts listed under my name XXXX XXXX. I feel discriminated that Macy 's allowed someone to use my name and take over the original account ending in XXXX. I experienced alot of XXXX profiling and discrimination at The Macy 's XXXX XXXX XXXX in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, California XXXX, Store XXXX at the time of disruption XXXX XXXX. 

Sincerely, XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX e-mail XXXX ( XXXX ) XXXX, my old phone number was ( 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 2022-04-12 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: AZ

Complaint narrative:
there are 2 accounts that are inaccurate a bankruptcy filing and a late payment remark that are not accurate

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I bought a hvac system on credit at 0 % interest. I set up automatic payments. These began and started going through. This month on XX/XX/XXXX my wife told me that the WellsFargo account didn't get paid. I called as it was on automatic payments. 
The customer service agent told me I called and cancelled the automatic payments on XX/XX/XXXX. I didn't not. After WellsFargo attempted to retrieve the call logs I was informed that I cancelled the automatic payments online. I did not. 

When an automatic billing is cancelled an email is generated automatically and sent to the consumer. There is no record of this on the XX/XX/XXXX. I have another card that I cancelled today XX/XX/XXXX to see if it did email me and the automatic system did. 

This could be either a one-off technical glitch within Wells Fargo 's system or it could be a systemic method of bilking customers of interest on 0 % interest credit cards. 

I didn't cancel the automatic payments, and being a paralyzed 100 % service connected veteran I believe that what Wells Fargo is doing is reprehensible. 

My wife and I pay our bills on time everytime and setup automatic payments where available. We are trying to build a handicap accessible house ( I was granted the XXXX XXXX to help with cost ). We need perfect credit to do this. Wells Fargo is putting in jeopardy our ability to build our home through manipulative practices designed to have consumers miss payments unknowingly and then charge them extra interest.

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 2022-04-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX I have been reaching out to the 3 credit bureaus Experian, XXXX, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, XXXX, and Experian have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, XXXX and Experian are forcefully reporting delinquencies and not responding letting me know the results of their investigation.

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 2022-04-12 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 explanation
Consumer complaint received 2022-04-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery at XXXX XXXX XXXX. XXXX, VA XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, transnunion, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time Transunion, XXXX, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which Transunion, XXXX and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.

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