vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc.
State: GA

Complaint narrative:
Back on XX/XX/XXXX I contacted my lender midamerica mortgage and let them know I was having an issue to pay my mortgage. She said she would send me a form for loss mitigation which I didnt really know what that was. It my job had a COVID outbreak back and XXXX and my restaurant was closed and when we came back hours were limited. I followed all instructions asked of me and it still took up until XX/XX/XXXX th for them to tell me i wa scented for help. I didnt even know that they COVID forebaarnce they ever asked me why my income was half of what it was. XXXX they are saying I can on.y get 2 weeks forebarance instead of letting me appeal and give me a forebarance from XXXX until XXXX. Ive spoken to three or four different and they all are horrible with customer service. XXXX from XXXX which is non profit from XXXX XXXX She was able to call the mortgage company now called click and close and they basically told they cant help us. Her number is XXXX ext XXXX she is the one who told me to contact you guys. All I want to do is get my covid forebearance so I dont lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I asked for a due date change, filled out the date change request and received a conformation. The date was XXXX to the XXXX made an online payment today and the online ap doubled the payment to pay the next month bill that is not due.. I called Toyota finance and the person informed me that, that is what the system does and she can NOT stop the payment or cancel the payment. Informed me to go to the bank and put a stop payment on the transaction, but of course there will be a cancellation fee and late fee!!! I believe this to UNTRUE and UNLAWFUL!!

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

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act CONTINENTAL FINANCE COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CASE NUMBER XXXX On the answer of that claim the bank said that is waiting information requested to me. 
I sent all the requested information for all claims detailed on that letter, so I need to know what else do you need, with details, to proceed with the claims and send again te information requested. 
Claim numbers : XXXX, I dont have any information requested on my email and mail XXXX I dont have any information requested on my email and mail XXXX, it was sent on XX/XX/XXXX This 3 claims I had attached the information requested.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 u.s.c 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 The following accounts are noted as violation ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was visiting XXXX in XXXX of XXXX, ( first time there ) I purchased one item at a store in XXXX XXXX XXXX on with my credit card. When I arrived at my resort I noticed that there were three charges on my credit card, one for {$210.00} which I believe was for my purchase, however there were two more changes that I did not authorize, one for {$230.00} and another for {$210.00}. I do recall when I was with the merchant that they ran my card a few times and stated that they did so as the machine was having an issue. They even brought in a second machine for the purchase. The charges took place on XXXX I submitted a dispute with Citi Bank immediately, and then was advised this was not a dispute but was fraud. I followed up with the fraud dept and then was advised this was actually a dispute. The dispute was then decline and I was advised they would be sending this over to their fraud department as it is actually fraud. Today XXXX is the 9th time I have reach out to Citi bank. I was told today this is not fraud but a dispute. I am getting the run around and can not get anyone to resolve my issue. I even spoke with the fraud supervisor XXXX today, she was in no way helpful. I had the one of the worst customer services experiences I have ever had. I requested to speak to a manager, I was advised by XXXX that there was no one above her and she was the only person I could speak to. 

I feel I have exhausted all options to get any assistance from Citi Bank. I can not seem to get the fraud dept. to speak with the disputes dept. I did not receive any goods for these purchases, and the fact that Citi Bank is allowing the merchant to keep the funds is very concerning. I am not feeling protected by Citi Bank. I am an excellent customer and would appreciate if I can get an explanation for why this dispute was sent to fraud if in fact it is a dispute? Or why this dispute is being declined. I would like to see the documentation from the Merchant on the purchase for these changes. 

I was actually told that due to me handing the card to merchant even though I did not authorize the charges, that I had some fault. It was said a few times to me you had the card in your possession I understand that I had the card in my possession, does that mean I have no protection from Citi Bank if the merchant fraudulently chooses to run my card multiple times in order to steel funds? Any assistance in this would be much 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 monetary relief
Consumer complaint received 2022-09-09 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) 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 2022-09-09 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
ON XX/XX/2022, MERCANTILE ADJUSTMENT BUREAU , LLC SENT A LETTER TRYING TO COLLECT A CREDIT CARD DEBT OF {$15000.00} ... ON XX/XX/2022, I SENT A LETTER TO MERCANTILE ADJUSTMENT BUREAU , LLC TO VERIFY THE DEBT ... AS OF XX/XX/2022, IT HAS BEEN MORE THAN 30 DAYS, AND I STILL HAVE NOT RECEIVED ANY VERIFICATION OF THE DEBT... I WOULD LIKE THE COMPANY TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY... I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Afterpay US Services, LLC
State: TX

Complaint narrative:
XXXX has violated my rights, treated me unfairly. While they can send emails & text mess to me ; they have locked my account as XX/XX/2022. I can not view my act online as they intentionally locked, sent multiple requests in writing to afterpays website along with additional emails my account was locked. They have refused to reply. I tried to reset and not receive an email to reset password.At this point I only receive incorrect bills via email and no response to myhelp or passwords. If I go to the ap, reset password, tried a different email I received messages to contact help desk as I completed info and still no response or a text stating your act is locked. This is not how a professional company do business.I have sent multiple inquiries re refunds as they will to cover their scam and say they refunded my account when they didnt. I have a copy of my act for the last 2 years and very few refunds when more than half of the Afterpays were returned.They stated to you they refunded my act is a flat out lie, or stated refund to an act that does not belong to me. Also there are other refunds where I returned items as they dont give me all my money back, approx 10 % as they make up excuses to buy time and after over 3 months still no refund. This is a true scam and something needs to be done about it. No way to contact is UNFAIR. No support, no response, no ph number to contact and they locked my act and now taking amounts from my account everyday without my authority, refuse to prove to me where theyre getting these amounts from has not happened. They continue to illegally put my act in an overdraft til the point its closed. Service is good until you return items and inquire about illegal transactions.I sent a mess to CEO viaXXXX & now messages come back as an error. One thing they can not do is take funds from me & lock me out or provide no support. My rights are violated CFPB including others, multiple class actions & complaints as it cont to happen. This must stop.See locked out & email correspondence attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called equifax numerous times to see why my credit score wont update since XX/XX/2022 and its XXXX. When I use XXXX  it tell me equifax have not record of my history online i pay XXXX a month for yrs never had a problem until last 2 months with equifax. Then if I log into equifax.com I got message with a code saying due to technique errors ur report is not updated for months, and it tell you to call equifax customer service with code and they was not knowledgeable regarding equifax code etc. when I pay for my fico score equifax not updating at all it tell me same thing to call equifax, I have proof of all messages it give u when I log into all my credit accts. I called all my credit card companies, car note, student loan, etc accts and they been reporting for yrs with no problems. They report my name, ss, address I been at for yrs. These is not new credit accts years n years old acct in positive status. Everytime I called equifax back they tell me its not a problem no solution, and im n process of trying get a mortgage and my scores stop being reported with no info all of sudden since XX/XX/2022 .i have paid off cards and paid down cards other been reporting with XXXX  n XXXX  with no problems. I need help and a fixed solution .I pay money for my credit monitor services I have few of them for yrs and never had this problem with equifax until last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I applied for 2 loans with Net Credit via XXXXXXXX XXXX XXXX XXXXXXXX. Application # XXXX AND XXXX both were denied for " unable to verify my income '' but I uploaded my paystubs and i have worked at my job for almost a year. they haven't given any real reason, why and when i call cs doesnt have any info.

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

Complaint narrative:
Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 u.s.c 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 The following accounts are noted as violation ( s ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX  which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. 

At this point and time I need to take this to a higher level to dispute these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
I opened an etrade XXXX  savings account in XXXX and funded it {$5000.00}. A few weeks later I logged in and saw the account was restricted so I called and was told to send in a copy of my passport and social security card, which I did. My account is still restricted and I don't have access to my funds. I'm now on my fourth call to Etrade concerning this issue, so far I've waited 31 minutes and haven't reached an agent. I have no desire to maintain a banking relationship with a firm that treats their consumers in such a way.

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

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

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

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

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