vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was making monthly payments of over {$800.00} on a {$5000.00} loan only to realize that it did not effect the balance. It only renewed the contract and extended the loan. At this point I fail so far behind I never was able to catch up and my car was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
MDear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Barclay for their refusal to grant me online access to my account and their lack of responsiveness in allowing me to speak with a manager in a timely manner. Additionally, I am facing difficulties in making bill payments, with no available resolution to remove negative marks from my credit report. 

I have been a customer of Barclay for 3 years apparently. However, despite numerous attempts to gain online access to my account, I have been repeatedly denied without any valid explanation. The lack of online access severely limits my ability to manage my account effectively and stay updated on my financial obligations. 

Furthermore, when I have attempted to speak with a manager to address these concerns, I have faced significant delays and obstacles. Customer service representatives have been unhelpful, unable to provide appropriate solutions, and have not escalated my concerns to the appropriate level. 

Another issue I am facing is the absence of a clear resolution for paying my bills and resolving any outstanding debts. I am willing to fulfill my financial obligations, but I have not been offered any viable options to pay off my debt and have it removed from my credit report. 

I kindly request the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau conducts a thorough investigation into Barclay 's practices regarding the denial of online access, lack of responsiveness, and failure to provide appropriate payment resolutions. 

2. Remedial Actions : I ask that appropriate actions be taken to ensure Barclay provides me with online access to my account, facilitates timely communication with a manager, and offers a feasible resolution to pay off my debt with the removal of negative marks from my credit report. 

3. Enforcement : If any violations or non-compliance with relevant consumer protection laws and regulations are found during the investigation, I urge the Consumer Financial Protection Bureau to take appropriate enforcement actions to hold Barclay accountable. 

I have attached relevant documentation, including correspondence with Barclay, to support my complaint. Please find them enclosed for your reference. 

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 2023-06-07 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
There is information on my XXXX, XXXX, XXXX and other Credit Reporting Agencies that need to be removed immediately. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between consumer and a person making the report are not supposed to be on my report as well. All of this is FEDERAL LAW, the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX XXXX XXXX XXXX Removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilities. 

I did not authorize or consent to any transactions as the consumer.

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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I do not have any confidence in PNC Bank to properly apply my monthly mortgage payments in a timely manner. 

I've had numerous problems with PNC Bank properly applying my loan payments in a timely manner. Often I have to call them to have them apply my principal. If I do not call them the money sits in the account without properlu being applied to my mortgage payments. This has gone on for many months despite escalating this issue with PNC they do not resolve my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NJ

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TN

Complaint narrative:
I took out a Title loan in XX/XX/2023. Titlemax broke the loan into 2 parts. 1 part was a title loan and the second part was a flex loan. Both were {$2500.00} loans. I have made payments that started in XX/XX/2023 on the XXXX of the month ( Title loan ) and the XXXX of the month ( Flex loan ). Each month all payments have been made on time! Starting friday the XXXX day of XXXX Titlemax website has been down and the Titlemax cell phone app as well. Attached documents reflect that! I called the local office on XXXX XXXX to let them know the issue. On XX/XX/XXXX, I called the local office and ask why it was not fixed. I got a song and dance answer ... '' Our office is having issues as well ''. I can't view my account or make a payment using either the website or the cell app. The office suggested I pay over the phone. I asked " when will i get a receipt? '' Response was they will snail mail it to me. I have followed these payments for the past 3 months and I can not and do not have the ability to pay this loan off with the interest rates and fees that they are charging me. I am currently on Social security and have a limited fixed income. The interest rates were never discussed at the office when the loans were finalized. My flex loan monthly payments have actually risen each month and I have documentation to reinforce my allegations. How is that possible when I have made my past 2 payments on time. I was told the first 3 payments of each loan would be mostly fees and interest.3 % of the payment would be applied to the principal! Why is my loan payments rising each month of the flex loan if I am making payments on time? 
I would like to speak with someone about this matter. I called the local office again at XXXX on XX/XX/XXXX and got yelled at and told that she couldn't help me with the website issue and I asked for her district or regional/district mgr and she stated that could not give out that information and I responded well have them call me. Then she raised her voice and said that she didnt have time to mess with this and i responded dont talk to me that way, ,I will take it up with corporate and that I was done talking to her XXXX XXXX and hung up .I then called corporate office and got a no operator response and for me to leave a number and they would call me back., I am seeing a pattern of bad business practices and I feel I have been taken advantage of. Plz call me and discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
Re : Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my credit report. The credit report showed a credit inquires that I did not authorize as shown listed below. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file as it was not done by me and is fraudulent. 
I have sent this letter certified mail also because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. According to the F.C.R.A. Legally these unverified and unauthorized items must be removed. 

Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 non-monetary relief
Consumer complaint received 2023-06-07 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:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: NY

Complaint narrative:
This creditor is masking their number with local phone numbers rather than the actual number left to contact them at in their voicemail. 
Repeated calls and voicemails and now also to family and next of kin every day. 
There has been no mail communication to verify who this is, or the debt owed, only the constant phone harassment. 
From Omnipoint calling from several XXXX area code numbers : XXXX XXXX XXXX Coming up as XXXX NY The voicemail says to call XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 {$7000.00} was removed from my account without my authorization. U.S, Bank has refused to accept a claim, stating that I should contact the merchant. U. S. bank has refused to connect me to their fraud division or investigators. The party listed on the transaction is XXXX XXXX My research indicates that this is the former name of XXXX, XXXX XXXX publicly traded XXXX company. My attempts to contact this company have been unsuccessful. I have no relationship with XXXX XXXX, or XXXX XXXX whatsoever.

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 2023-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a personal loan. I was denied because of personal credit. Violation of 15 usc 1602 my right to credit. Violation of 15 usc 1611 faults and misleading denial of my own credit. It is ILLEGAL to be denied credit, if you are denied credit it is an adverse action. And it is unlawful for any creditor to discriminate against ANY applicant. PURSUANT TO 15 USC 1691.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NJ

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Sage LLC
State: TN

Complaint narrative:
Attempted to contact XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX today, XX/XX/2023 XXXX Phone call was rerouted to Creditsage. I was requesting to make a payment. A rep, " XXXX '' explained its better to dispute the claim before paying & than disputing after payment as even though payment was made it would still be on my record for 7yrs. I provided personal information & debit number to pay for credit report. My bank rejected request for payment initiated by them due to incorrect expiration date provided. My concerns are that the call was rerouted allowing for personal information to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B.o .a is stating that I took my claims back which is a lie. they're telling me one thing you're telling you guys another they're still pretending to be a government officials and there's still a lot about my account, They also stated to Governor office that they have paid me all of my funds which is clearly another lie. I can't believe that you are believe to except l anything and all the lies they are telling you. This bank hasn't told you or anyone else the truth about my account or my claims .They continue to lie lie and lie to everyone including Congress Congress XXXX XXXX . This bank has no honest. Words to state.Who suppose to help the cin citizens of the United States of America with he lies and destruction and deceit of Bank of Americat of Bank of America. They continue to hold on to my claims after 2 and 1/2 years why.

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, my Citi checking account was frozen, without any communication. I learned of this account freeze, when my debit card was declined at the grocery store. I contacted CITI bank Monday, XX/XX/XXXX to better understand the situation. I was told my account was frozen for XXXX hours while the fraud team investigated. I then contacted Citi bank the following day ( XX/XX/XXXX ) and was told to wait an additional XXXX hours. On XX/XX/XXXX, I once again contacted Citi bank, and was told I must wait until XXXX EST, as the fraud team still had until then to make notes. I called back and still my account is frozen. Furthermore, a transaction that I made was reversed, causing further complications with another banking institution. At time of writing this complaint, my account is still frozen and there has been zero updates. 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 explanation