vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: UT

Complaint narrative:
We have an RV loan with Bank of the West. All regular payments come out electronically. We were told any principal payments would have to be separate via check, so we set up a bill pay check in XX/XX/XXXX for {$500.00} extra a month. XXXX, XXXX, and XXXX payments were all applied correctly. In XXXX we noticed a regular payment was not taken, in looking online they had been misapplying the principal payment for XXXX, XXXX and XX/XX/XXXX. The only number we could call was the XXXX number that had an XXXX hour wait multiple times. We took work off and went into the XXXX branch on XX/XX/XXXX to resolve this issue. The banker XXXX, had no recourse other than to call the same XXXX number. He said they would fix XXXX, XXXX, XXXX principal payments as well as some of the regular payments that had also been misapplied. He told us that due to " regulations '' we couldn't make principal payments via bill pay and had to mail them in in special envelopes which he said he would mail to us. we never received them. In XXXX they took XXXX regular payments out, our regular of XXXX and an additional XXXX also applied as regular. I called and got a supervisor, XXXX, whom let me know my online history reflecting incorrectly in several spots : The regular payment on XXXX history shows all applied to principal ( XXXX said {$420.00} was applied to interest ) and XXXX of the XXXX XX/XX/XXXX principal payments ( which for some reason were broken up into XXXX and XXXX to equal our {$500.00} ) history reflecting the XXXX is principal, XXXX said it was reflecting as a regular payment. This was her answer for why a second random regular payment was taken on XXXX for XXXX and my online history was wrong. She suggested I keep the extra XXXX payment in place even though it was now reflecting I had overpaid by XXXX. She is supposed to mail me a correct history and principal payment envelopes that were supposed to have been sent out in XXXX that we never received. Bank of the West 's current process of making it so difficult to make a principal payment on a loan is deceptive and unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) XXXX5 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
I have been waiting for nearly five years for Equifax to pay for the damage to my credit from their massive breach of consumer data. As a result of said breach, my credit information was used to open numerous credit accounts, and I had to hire XXXX for nearly five years to clean up that mess. Equifax was supposed to pay for my credit monitoring costs, and for all the time it took to clean up my credit. I filed claims with Equifax in a timely manner and have not heard anything from them. They are suppose dot pay up to {$5000.00}, for individual damage, and {$1500.00} for credit reporting. They have not paid a cent to me, nor have they even communicated with me. It is bad enough that they failed to protect my credit information, but it is bad faith on their part to avoid the court ordered settlement and ignore claimants. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Dave Operating, LLC
State: GA

Complaint narrative:
Dave bank frequently over and over confused banking transactions including omissions of refunds and giving misleading account balances I have been robbed by them and they refused to refund returned merchandise from business contacts and disguise their deceitful practices and did not permit fair opportunities An derogatory transaction of over {$2000.00} appeared as check deposit account AND WITHDRawl I do not recollect but as a expected check in shared residence with shared wifi I suspect dishonesty at Dave Bank as they proclaim stating encryption XXXX bit is standard basis in institution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Kikoff Inc.
State: TX

Complaint narrative:
An account was fraudulently opened in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NM

Complaint narrative:
I am disputing this fraudulent charge. I have not opened any XXXX XXXX account, nor authorized an account to be opened in my name. My cell phone is on my husband 's XXXX plan which differs in account number from the fraudulent charge account. Chronology of this account : XX/XX/2022 received a letter stating I had not used any of the lines activated on the fraudulent account. 
XX/XX/2022 received another letter showing debt of {$3200.00}, and threatening referral to a 3rd party debt collector. 
XX/XX/2022 contacted XXXX using my husband 's XXXX cell phone. XXXX, the customer representative, assisted us and could not find the account or any account under my name. She advised we could disregard this notice. 
XX/XX/2022 contacted the NM State Attorney General 's office to file complaint XXXX. 
XX/XX/2022 received letter from 3rd party debt collector. 
XX/XX/2022 notified by my credit reporting vendor this debt is on my credit history. 
XX/XX/2022 submitted a complaint to Consumer Financial Protection Bureau XX/XX/2022 disputed the debt with the 3rd party collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AR

Complaint narrative:
I am a victim of identity theft. I have requested that the bureaus remove these fraudulent items on many occasions. I have also requested to see proof that was used to verify these items, and they have not provided any contract or signature for any of them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I was told by XXXX on XXXX oh that I had a freeze on my credit but too that they pulled my credit somehow to deny me credit but sent me a link for a one time unfreeze of credit through Experian but it did not verify my information as I have used 3 oh different zip codes in the last calendar year but not sure which one they were asking for to verify my identity. So uh it denied unfreezing my credit. Tried to login to my Experian account but it was deleted again second time so called their phone but no one live to talk to so uh sent a message uh to XXXX account of theirs for XXXX they responded oh with asking my vital info but oh hey I have a Cyber Stalker so uh it os compromised but they have not responded and uh my credit still locked with them XXXX XXXX XXXXXXXX on XXXX REFUSED TO USE XXXX where I had unfrozen my credit and too probably at Experian as well in XXXX but not at XXXX then but did last week or this week unfroze it at XXXX but oh still frozen at Experian and no assistance in unfreezing it so I can apply for an apartment living in a hotel is uh unsafe but too uh costly. Oh living here because of divorce and no uh job for many years after kids born uh just raised them as full time mother as per my husband my wishes. Do only locked at Experian but not okay huh with XXXX on XXXX using a different uh credit reporting agency he cited XXXX XXXX saying it would be against that law to use XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called Transunion and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
They have big problems you can not call Phone number goes to a Phone solicitor Fraud System Try it you'll like it General account information XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. XXXX XXXX ( XXXX XXXXXXXX ) XXXX ( XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: IL

Complaint narrative:
I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. 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 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I have requested that the bureaus remove these fraudulent items on many occasions. I have also requested to see proof that was used to verify these items, and they have not provided any contract or signature for any of them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a member of Pentagon Federal Credit Union for 40 years and had never had a problem with them before. In XXXX of XXXX, however, without any basis or documentary evidence, they claimed that my flood insurance had expired on XXXX XX/XX/XXXX and they had no evidence that it had been renewed. As requested by PFCU, I provided declaration pages for the insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as well as from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. They then claimed that there was a gap in insurance coverage from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX which was patently incorrect since they had the correct dates from the policy declaration pages. They then on several instances, threatened to purchase flood insurance to cover this period. 

I provided all the information they asked for and they acknowledged having received it, but persisted to claim there was a gap in coverage and threaten to purchase flood insurance for me. This was all documented in a series of letters back and forth from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. This entire problem was about my home equity line with PFCU, which did not even have any balance outstanding throughout the whole exchange. 

I was so disgusted with their incompetence and lack of response over this issue that I requested that they close out my accounts and terminate my membership in PFCU. I instructed them to do this in my letter of XXXX XX/XX/XXXX and again in my letter of XXXX XX/XX/XXXX. While they subsequently sent a letter stating they had cancelled the flood insurance they had ordered, they have taken no action to close my accounts, forward the proceeds to me, or to terminate my membership in the PFCU.

After 40 years as a member, I can not believe they would treat me this way and I no longer wish to do business with them. I want my membership cancelled and the proceeds of my accounts forwarded to me without any further delay. In reading reviews of PFCU online, I am apparently not the only person who has had this sort of problem with PFCU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I used PayPal to send money to XXXX XXXX at XXXX XXXX XXXX. I looked up XXXX account and sent the {$900.00} dollars using PayPal accessing my bank account for an ACH transfer. I called XXXX and asled if he received the money and was informed he did not. I contacted PayPal and was told the XXXX I sent the money to was the wrong XXXX XXXX, the money went to XXXX. PayPasl said I would need to request a stop payment form my bank XXXX and Paypal will notify XXXX to refund the funds. I contacted XXXX and paid for the stop payment, the ACH was refunded and I thought the was resolved. Once PayPal was notified of the stop payment and the money was not sent, paypal used my XXXX credit card on file and paid XXXX XXXX I sent Paypal a dispute and they denied both claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: MD

Complaint narrative:
At the end of XXXX I received a goodbye servicing transfer statement. On XX/XX/XXXX I received a just kidding email saying they were no longer transferring my servicing. I canceled my autodraft and made a one time paymentto ensure it was still on time. They ignored my request, took my one time payment and then took my cancelled autodraft payment as well. To prevent them from collecting on both payments ( I was current and only due for XXXX ), I put a stop payment through my bank. The bank charged me a fee to do so. Now, HomesideXXXX refuses to refund me the fee that I had to incur as a result of their inability to properly service a mortgage. They are not protecting their consumers, they are neglecting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: United PanAm Financial Corp.
State: TN

Complaint narrative:
I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX had it removed from XXXX an XXXX but XXXX  is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX I received an alert that a {$6000.00} check cleared my account. I did not write or authorize this check, so I immediately called the bank to report it as fraud. They looked at the check and the agent said it was clearly a fraudulent check at first glance to her. She transferred me to the fraud department, my account was closed, a new account was opened, and they mailed me a check claim affidavit. I completed this form and uploaded it on XX/XX/XXXX. I heard nothing from the bank so I called them 2 weeks later and was told that I filled the form out incorrectly and would need to fill it out again. They said they would mail me another form, which I did not receive, so I called them and they sent a new form to me several days later. After receiving the new form, I called the bank and talked to an agent to make sure I completed the new form correctly. I uploaded the new form on XX/XX/XXXX. I received a called today saying the form was filled out incorrectly again and would need to be redone. Now I will have to wait to receive another form by mail, complete it again, upload it again, wait another 2 weeks before it can be reviewed, and see what happens. This means that it will be over 3 months just to get my claim submitted. This is completely unacceptable! In the meantime, I'm out {$6000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX  XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have filed a dispute with all 3 credit bureaus again on XX/XX/2022 to have these accounts that I have no idea about taken off of my credit. I have even contacted the original account holders as well on XX/XX/2022. Each time that I reach out to these companies they want me to give them my information not verify with me what they have, I am telling them that I have never had an account with them and do not know what kind of credit card company that they are and with a couple of companies there are even two accounts. These companies only have updated information due to pulling my credit after I filed my dispute. I know this only because of receiving updates from my disputes stating what is going on and it informs me of what each company does. These companies reported to the credit bureaus that their information was correct when I know it was not due to the fact that I have never received anything from them and they will not give me any information, they only want me to give them information to validate the information that they have on me. I only have 3 valid credit card companies that I use that I have had for more than 10 years anything else if fraud. I have my credit locked due to identity theft that happened a couple years back and I thought I was covered. I do not know how long these accounts were open or closed or how they were even paid on. But they are now with collection companies and on my credit. I am not paying for something I did not do and can not validate. They have update there information now on my credit report to match it correctly. I have again tried to contact them to find out information but am still getting the same run around of them trying to get me to validate what they have and I am not validating an account that does not belong to me. One of the original owners of debt has been removed from my credit and so should the debt collector but they have not. But all of them should be gone.

Company response to consumer: Closed with explanation