vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Every time I make a payment, I attempt to pay additional principle payments and they are never applied. I have included a note, written on the check, envelope, The company is intentionally not applying extra principle payments. 
I have called them at least XXXX time and spent hours on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax disputing an unauthorized inquiry on my report due to fraudlent activity. This call was placed XX/XX/XXXX. 

I was instructed to contact the FTC to file a report which I did and forwarded to Equifax I complted that task XX/XX/XXXX. 

I sent a copy of the letter with a copy of my CDL and copy of my social security card.

I contacted Equifax when I discovered that 2 of the inquiries were removed but not the third. XX/XX/XXXX I made that call. 
I called to times after and was told that I would take up to 30 days. 

My most recent call on XX/XX/XXXX I was told that the inquiry would not be removed because I didnt send a copy of my cdl and social security card which was false. 

I then decided to mail a cover letter, copy of the FTC report, copy of CDL and social security card again on XX/XX/XXXX and I sent this overnight and was received XX/XX/XXXX at XXXXXXXX XXXX 

Also included the FCRA requirements for the removal of this inquiry within the 4 business days outlined in : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Today is XX/XX/XXXX and the report has not been updated and I have not received a new copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NJ

Complaint narrative:
I would advise you that the company 's actions in refusing to correct the violations and inaccuracies on your credit report, and then subsequently changing the information that was reported, may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ).

First, under section 611 of the FCRA, credit reporting agencies ( CRAs ) have an obligation to investigate disputes submitted by consumers and to correct any inaccurate or incomplete information that is discovered as a result of the investigation. By refusing to correct the inaccuracies on your credit report, the company may be in violation of this provision.

Additionally, under section 616 of the FCRA, CRAs are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. By changing the information on your credit report without conducting an investigation or without providing notice to you, the company may be in violation of this provision.

Furthermore, under section 615 ( a ) of the FCRA, CRAs are required to provide consumers with a notice of their rights under the FCRA upon request, including the right to dispute inaccurate or incomplete information in a credit report and the right to receive a copy of the credit report. By not providing you with such a notice, the company may be in violation of this provision.

refer to the picture that BEFORE and after our conversation.

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had this capital one credit card for over 7 months, each time I ask for a credit increase it has denied me. I called and asked if I can speak with the reconsideration department due to all my credit card limits are over XXXX I'm trying to understand why I would have a {$300.00} credit limit. The senior Customer Service rep was so carefree and not interested in my concerns, she advised its nothing that can be done and that managers do not take calls that she was it. She also advised filing the XXXX XXXX XXXX. When I asked about filing a complaint on her customer service provided, she advised I need to hang up and call back. I am very disappointed in the level of service I received with XXXX employee # XXXX. Leadership showed no customer service at a time where they can make a different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MI

Complaint narrative:
I have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ).

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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am a hurricane Ian victim and my loan is currently on a forbearance program ending this month. My interest only loan was on hold with no additional interest or fees. I received my statement on XX/XX/2023. I called multiple representatives and was on hold countless times. The forbearance monthly payment total doesn't add up correctly. There are additional charges added which are not itemized on the statement. Today I spent more than XXXX hours on the phone with multiple SPS servicers XXXX, XXXX and others, who weren't able to adress my question in this regard. The last supervisor XXXX XXXX promised to call me back on Monday with the explanation. Also as a hurricane victim my XXXX hazard insurance was legally binding and active regardless that I missed my last quaterly payment of {$810.00}. 
I found out that SPS paid my hazard insurance bill on my behalf without my admission on XX/XX/XXXX and told that they added this charge to my escrow. I sent a request to remove my insurance payments from my escrow as I need to control my financial obligations myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
on XX/XX/XXXX i went to use my card and it was declined when i went in and checked my account it said XXXX balance which was weird cause i know i had a XXXX XXXX  in that account when i opened the current bank app on my phone and started looking i seen that i was getting charged XXXX times a day for XXXX XXXX for anywhere from XXXX XXXX down to XXXX and it was and had been happening for over a month sometimes as little as XXXX XXXX  apart to a couple hours apart i have some that were like XXXX XXXX XXXX XXXXXXXX then another XXXXXXXX XXXX XXXX XXXX XXXX then another XXXXXXXX XXXX XXXX XXXX XXXXXXXX  and this went on for almost XXXX  months from XXXX XXXX  and i seen XXXX of the charges it looked like they added XXXX XXXX  interest for the tip just outrageous tips there are like XXXX something charges in total some from interest online for XXXXXXXX XXXX to XXXX XXXX  for XXXX XXXX.so i contacted current bank told them what was going on they asked me to get them all the recipe numbers so i did and told me there investigators would look XXXX it and it could be XXXX XXXX so XXXX weeks or so goes by and im broke need my money back and contact them they told me they did not see a fault and that they were not covering the stollen money i tried to tell them the charges were in XXXX from what i can tell and asked why the same bank that will shut my card off on me when i buy a pack of gum to late didn't stop stopped the charges for XXXXXXXX XXXX XXXX XXXX  on average of XXXX XXXX  from XXXX miles away who would ever order that much XXXX XXXX  times a day and the lady i was talking to said our investigators made there mind up thats all i can say i tried to get her to get someone that was above her to talk with the only problem is they only contact through messaging so im stuck with no money to pay bills over something that's obviously not me i hope you can help i need to pay bills then i got to looking at there email and over half the charges arent even on tho complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: LA

Complaint narrative:
Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against XXXX XXXX and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MA

Complaint narrative:
Good afternoon, my name is XXXX XXXX, and I have a problem with the mortgage company and Experian, I file a dispute about my mortgage company, my old company sold my mortgage to a XXXX party, and I have been in my house for over ten years now and have never been late until now, my old mortgage company didn't transfer all the information about the auto payment, and nobody told me about the late payment, they never set up my auto pay once they transfer the mortgage, please can someone help me I already disputed the account and the scored with the credit company but they have not done anything as of yet, I need them to fix my credit score, I spoke to the mortgage company and they said that they were going to fix my credit, I have already paid the balance and still the company has not fixed my credit report. I need help with this matter Experian the credit company has not done anything to fix my credit, my credit score has gone down XXXX points and they for some reason don't restore my credit as of yet... 

please can someone help me with this, I would really appreciated it. 

Thank you 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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
I was injured in Wisconsin on XXXX XXXX because my financial institution Cashapp let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At a time when someone I owed came to collect some of there money I couldnt pay that person and we got into XXXX  I received XXXX XXXX XXXX and at one point I was having an anxiety attack paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body.These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card product.. liability belongs to Cashapp without a doubt. I do not have a borrow allowance. If I didnt faint my XXXX would have arrested completely to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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/XXXX an ATM withdrawal was done without my ATM, {$500.00} Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX same Cash Withdrawal XX/XX/03 XXXX # XXXX {$300.00} Non Citi ATM XXXX XXXX XXXX I went to Citibank branch to file a claim and to have my atm replaced. Only few days later, I got a letter stating that both transactions were good. I filed a police report and went back to the branch, to show police report and to ask for evidence to come up with that decision, I have not use my ATM and those were not my transactions. Citibank should be responsible for this fraud. 

What proof do you have it was not fraud? 

I am asserting my rights under the Electronic Fund Transfer Act which says I can not be held liable for more than XXXX dollars. Are they intending to violate this act by not returning the lost money you are not liable for?

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 2023-01-27 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: TX

Complaint narrative:
Equifax failed to validate accounts I have been disputing since XX/XX/2022. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Equifax stated in writing that they verified that the items are being reported correctly. Equifax did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Equifax that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Equifax failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
About a year ago Comenity Bank purchased my XXXX from XXXX 's. Ever since then, if you want to pay more than the minimum payment, you have to speak to a representative and each time go through all of your bank account information to make a payment. It is a business card for us and we want to pay the total balance every month using the automated system. It is a ridiculous waste of time and is in place only to discourage people from paying off their balances and avoiding paying interest charges. They tell you to go pay it from the website but that site never works. It is one delay and stall tactic after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MOHELA
State: CA

Complaint narrative:
Credit Repair Service 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 purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Branch Messenger, Inc.
State: GA

Complaint narrative:
I reported unauthorized charges on my branch bank account as soon as I noticed funds were missing. My funds were drained unauthorized and trusting in my financial institution to help with this, I called in and disputed the charges. I tried keeping in contact, uploading new documentation etc but the bank never responded or answered their phone calls with me waiting an hour on hold many times. I then received an email saying my disputes were not ruled in my favor. They gave me reasons such as seeing the funds were used to my benefit. How were the funds used to my benefit if I didnt use the funds? I provided multiple documentation to prove my side, showing I did not authorize these charges. I provided many things, correspondences etc. the bank replied saying sorry but were basically still ruling the dispute not in your favor. I was already iffy of this bank when I first got it but had no choice because its who my job banks with. Now my money is gone and this bank is responsible! They did not throughly investigate to give me a proper solution about my money being used without my permission! 
They have no reasonable reasons as to why they ruled the disputed not in my favor. I truly think this bank is a scam! They have basically stolen my money by denying my claims upon reasonable documentation I provided to them!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I have called back in 2020 to work on this account with MARINER FINANCE. I was going through hardship due to the pandemic. The customer rep at that time was very rude and disrespectful towards me. He requested the full amount. I called again today XX/XX/XXXX in regards to settling the account. This account ( XXXX ) was charged off as bad debt and I was advised that it was sent to the attorney. The representative at XXXX XXXX stated that they were going to garnish my wages, however, I was NEVER SERVED and I haven't received anything in the mail from Mariner finance. I am highly upset because this is legal especially if I was not served. They have added triple interest and added additional fees. They scammed me. They are reporting inaccurate balances and past due balances and last date of activity on my credit profile. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
On XX/XX/23, XXXX ( XXXX XXXX ) from the " advocate '' area ( I guess? ) called me and left a voicemail. With no information. No direction. No help. No reason. NOTHING. Just XXXX, Roundpoint mortgage. Call us back. *END* Their phone tree takes far too long. There was no direction, no 'general ' area to talk to someone who can get me to the right place. I have spent 45 minutes on the phone with them and still do not have an actual answer as to why I was called.

Further, the amount of literature/information that was provided regarding whether autopay was or was not set up, who/how/when payments that were set up with the old company are or are not going to be switched over etc. were all confusing as XXXX. Some of the emails I received I have a minor in finance. I was a XXXX in college for a finance class. While I am not the smartest in the area, I am certainly far above average, so if I can not dissect that information, what hope does the average ( or below average ) person have? 

A company that handles dollar amounts the size of mortgages needs to have a level of service that is commensurate. A reasonable amount of time with any customer service representative should at least indicate if it is worth my time to discuss further. To find out that this was a voicemail in regards to a complaint I filed about the transfer process being garbage was a full circle failure by this company.

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