vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022, the sum of {$37000.00} ( dollars ) was stolen from my business account without my authorization, this after opening a text message supposedly received from CITIBANK, in which I opened a link to cancel an alleged transaction that It was trying to be made in my account ; I opened said link and they asked me for personal information ( name, XXXX, and other personal data ), this was dated XX/XX/2022 and XXXX days later they took the sum of money described above, leaving me only {$14.00} dollars and cents in my account.-NOTE : This account is the only one I had and all the money with which I am working, paying people who help me, buying materials, personal expenses such as rent where I live, vehicle insurance, etcI immediately called the bank to report the fraud, signed an affidavit with the statement of the facts and sent it to the Citibank fraud department , to date I have not received a response from the investigation, nor have I been reimbursed a single just tell about what was stolen from me.-The business account is in the name of XXXX XXXXXXXX XXXX XXXX.and the dispute # is 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 2022-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Twice, in 4 billing statements ( first 4 specifically ), Toyota XXXX has sent me a bill that includes a due date, but will not let me pay it online on the due date due to either a holiday, weekend, or both. This time, due XX/XX/2022 ( today ), I made an online payment before the cutoff time ( around XXXX XXXX ), the website said it would not be applied by to the due date due to being past the cutoff time. It then said it would be applied XX/XX/XXXX, and then after it was paid, it the payment receipt shows it will be applied the XXXX ( I have screenshots of the whole process ). XXXX  I hasnt responded to me on a prior complaint of this, nor about a refund I have been due for weeks/months due to dealership sneaking in an extended warranty that is basically the manufacturers warranty. Nobody seems to be holding these institutions accountable. If I have a bill that says its due the XXXX, and they accept my payment that date, why are they able to say they will take it but not apply it? Its a good fraud, and there needs to be accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm a law-abiding citizen and a human being. I have rights under 15 USC 1681.

Equifax is governed by USC 1681.And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also included an attachment for XXXX XXXX XXXX the collections agency expired license status since XXXXAlso an attachment Equifax admitting they have had added and listed a collection account more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: CA

Complaint narrative:
A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. TransUnion and XXXX score dropped to XXXX. The following week, XXXX updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.

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 2022-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
Date Assigned XX/XX/2021 GRANT MERCANTILE AGENCY Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i woe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: OR

Complaint narrative:
Im not sure how their cars even go on my XXXX pay account, I lost my NetSpend card that I very rarely use a while ago and had my personal bank card on there, but my son sent me {$50.00} XXXX  days ago on XXXX XXXX, I needed it badley for gas to get to work the next day. When I checked my bank account it wasn't there, I saw my bank card was no longer in there but a NetSpend card instead, I called and told NetSpend that my card was lost or stolen and needed them to transfer my money to another account because I badley needd it, first they said I had to order a new card and pay for it, then they said they would do it if I agreed to let them take XXXX out for a monthly fee payment, then they said they couldn't activate one of my other NetSpend cards I have, then they could, then they couldn't get it to activate and I'd have to buy a new one, then they could send it to my bank, then they couldn't, then they said in Friday, after I missed XXXX  days if work and spent XXXX hrs in the phone with them lying to me over and over and hanging up in me when I asked to speak with a supervisor, they promised Friday afternoon my money would be in my bank after they charged me XXXX for a transaction fee that was supposed to be free, that it be in my account and promised in 1 hr, then I get an email after they close in Saturday they need a picture of my ID card, my social sec card and mail with address, why? For a prepaid card I'm afraid they can now steak my identity these people are scammers and liars, now it's Sunday still no money I can't log into my account, they gave me blocked and have every piece of my ID, and I call and she hangs up on me yet again, I needed that money 5 days ago. It's cost me 2 days if work, and I am so stressed out and upset with being in the phone all day and getting hung up on and lied to, I just want my money, have been suffering for a year now with IRS identity theft and my bank account and financial set backs because of it I don't have extra money nor does my son who sent it to me, how can these people get away with this, I can't even understand what they are saying, and they don't seem to know aht they are doing, everytime I call there's yelling and screaming in the background like they are at a tavern I'm sure they can't hear me either, it's very unprofessional and now I am afraid they aren't going to protect my identity because they seem so uncaring and crazy. I am horrified I can't even sleep I'm so upset and worried.

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 2022-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EDvantage LLC
State: AZ

Complaint narrative:
I told tuition options that I wasnt able to keep up with my payments and the customer service lady said to me and and my mom that I if I was still enrolled in school that I wouldnt make payments on my student loans I just got XXXX XXXX XXXXl I started up in XXXX and tuition options contacted my today asking if I can make a payment I have no job and I got denied for trying to take a loan out so I can be able to pay for college tuition options knows this and yet they keep asking me when Im going to pay. When I had talked to someone over the phone to try and get help or other options so I can repay the loan the customer service representative said thats not my problem that you cant pay on youre student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon receiving my Consumer report # XXXX from EXPERIAN XXXX I noticed the are still reporting inaccurate personal information on my file. Address ID # XXXX Not my address/ Address ID # XXXX Not my address Please delete these addresses and update my file.

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 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: CO

Complaint narrative:
I tried to send {$200.00} to a friend in XXXX via XXXX XXXX transfer through Worldremit on XX/XX/2022 It turns out there's a daily limit of {$100.00} so the transaction was frozen. I searched for a refund button on the Worldremit website but was unable to find one. I called Worldremit about the problem with transaction # XXXX. They quickly found the transaction and said they'd work on it. On XX/XX/2022 I received an email from Worldremit saying, in this case the recall was unsuccessful, and nothing further could be done with an apology for any inconvenience. My complaint is what happened to the {$200.00}?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 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 explanation
Consumer complaint received 2022-09-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX  ) violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midlantic credit management repeatedly calls my phone harassing me causing so much stress an XXXX. XXXX XXXX XXXX  is the is the company the debt came from. Midlantic credit management is a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card.

TODAY, I discovered 2 hard inquiries on my XXXX report from American Express and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my XXXX report, but I was unable to make an account. It appears the scammer made a fake account with XXXX under my name, as they used an old email and I discovered an email in my inbox welcoming me to XXXX. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact XXXX, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that XXXX has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card.

TODAY, I discovered 2 hard inquiries on my XXXX report from XXXX XXXX and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my Experian report, but I was unable to make an account. It appears the scammer made a fake account with Experian under my name, as they used an old email and I discovered an email in my inbox welcoming me to Experian. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact Experian, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that Experian has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.

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 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: TX

Complaint narrative:
Date Assigned XX/XX/2021 PACIFIC CREDIT EXCHANGE Original Amount Owed {$4600.00} Amount {$4600.00} that i owe i have never signed any written document that I owe this debt to the collector.

they are violating my rights of the FCRA as a consumer.

I do not know who they are and have written consent from my end.

also, they have not verified that i owe this debt to this alleged company.

Please have this removed from all three credit bureaus. 

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 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Did not sent information to validate debt, Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one employee discloses confidential info to third parties My account is current and payments on time Violation of privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I opted out of any solicitations and XXXX  sold my info behind my back to XXXX XXXX. I had no idea how that happened but reported XXXX to the XXXX XXXX XXXX Then I received a report from XXXX recently and see listed on it where they sold my info even though they show I OPTED OUT of any solicitations! I'm furious! The next time they sell my info I will sue them. I have it in black and white!

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