vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I bought a semi tractor and trailer. XXXX was the finance company for these pieces of equipment. My husband and I signed the contract as personal guarantors for the loan. 
We titled the truck and used it for about a year and paid on it every month. On XX/XX/XXXX I surrendered both pieces of equipment XXXX notified me that the equipment would be sold at auction. 
In XXXX and XX/XX/XXXX, XXXX ran a hard credit report on me, without my permission. They caused my credit score to go down. 
Around the first of the year in XXXX, I received an email from XXXX notifying me that I owed {$44000.00} for the difference in the equipment sold to what I owed on the loan. I asked why. I was informed that both pieces were sold. After attempting to negotiate, they would not accept my offer. They wanted $ XXXX/month, which was not feasible as I was no longer in business. They informed me they would be seeking litigation to recover costs. 
XX/XX/XXXX I received documents from my lawyer that XXXX sent. One of which was a letter from the WA State DOL asking for the title of the tractor back as it was illegally titled. The title from Tennessee in XXXX had a crushed brand on it. When we titled it in WA originally, the Oregon title was clear, no brands. 
XXXX knew about the branded title two years ago. They did not inform us that they could not sell the truck. They waited until XXXX to attempt to get the money from us. 
Currently, they are suing me for a truck that is branded and expecting me to pay them the full amount left on the loan plus legal fees. 
If I had known the title was branded, the truck would not have been bought. The bank needs to go after the dealer to recoup their money. I am not sure how I am responsible for a vehicle that is valued at {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I sent a Revocation of Authority to Contact Third Parties, informing Bridge Lending Solutions that I am revoking their right to contact third parties related to me. One of their representatives, XXXX, contacted my son, XXXX, by phone call on XX/XX/2022 at XXXXXXXX XXXX PST. The phone number used to contact my workplace was XXXX ( XXXX ) XXXX. I understand that these type of calls are meant to intimidate and harass me, and I would like for Bridge Lending Solutions to respect my privacy. The lender did not identify themselves, but I recognized the phone number in the screenshot that my son sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2022 I have received a phone call from Bank of America for the person asking me are you XXXX XXXX, I said yes he asked me then did you authorize transection from your back account for the amount of XXXX $? I answered no I did not authorize this transaction. He stated that it was a productivity or my event account. And he asked me to open a new account with him over the phone at that point I was unsure of what is going on. I asked him to I got and I will check with the bank. At that time I checked my online bank account and I found that my account was frozen and the money was already moved out. 

Since that time I been calling Bank of America about 3 to 4 hours a day, I never had any communication from Bank of America trying to call me or communicate with me regarding this incident. I had a plain that was submitted a week after the incident, I do not know why he waited for a week from the backside especially I was calling them almost every day. After almost 5 weeks I was able to get a claim number. Throughout the process, it was never easy to reach the right destination of Bank of America, thank you transfer me between departments stating that this is not that her specialty and putting me on hold for about 3 to 4 hours daily. Always received different opinion and all individual based. Almost 5 weeks later, a person from the fraud department advised me to submit a claim on the fraud account. And the first time ever received a communication from Bank of America regarding this issue was mid XXXX when they sent me an email with encrypted letter requiring police report and a list of other documents. I have completed all the list and faxed XX/XX/2022. For now almost 7 weeks and there is no communication from Bank of America with me and the problem is not solved. My money is frozen in the fraud account and I can not use my money at this point. Police report already submitted with all the required documents for the back. My problem is the back not giving me any clear way to communicate with them and even the phone number listed in the letter they sent me, when I called them they say this is the wrong department.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2021, my checking account with BBVA was converted in a merger with PNC Bank. Prior to the merger, the account was set up for e-Statements. 

After the merger, I stopped receiving any statements, either paper or e-Statements. I am unable to turn on the e-Statement feature in PNC 's online banking ; nor am I able to access my BBVA e-Statement history. 

Thus, PNC has been in violation of Reg E since the merger. They have failed to provide regular account statements in any format, and calls to their support numbers fail to provide any results - I get passed from one person to another, but no one knows how to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Received negative XXXX credit report on a delinquent Apple Card Acct from Goldman Sachs in early XXXX Never applied for the card. Disputed the acct with XXXX as fraudulent. XXXX investigated my claims with Goldman Sachs and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that Goldman Sachs provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from Goldman Sachs, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: AR

Complaint narrative:
I am subscribing to Credit Karma, keeping me updated on my credit score, and they suggest things that I can do, or cards that I can apply for to help me reduce my debt, and or raise my credit score.

I have applied for these card that Credit Karma suggest. I have applied for many of the suggested cards, and have been " DECLINED ''. My credit score drops each time I have an inquiry about me applying for a new card. Credit karma always says in its emails, that I have a very high chances of being approved. I am always denied. 
In the denial letter that I get from the potential credit card company, they indicate the reason for unable to approve me for credit is too many inquiries for credit. 

Now recently I am receiving emails from Credit Karma sending me credit cards to apply for, now promise to pay me {$50.00} if I am turned down! This tactics are ridiculous, and unfair.

I don't like these tactics because it is not helping me, its hurting me, causing me mental distress... very wrong and disappointing! I am working hard to improve my circumstances, and I am falling even further. Credit Karma also suggest getting a loan will help to improve my credit score! I have got a small loan, and pay it on time. when I pay off the loan, it shows the account was closed, not paid off. that hurts me too! a closed account is bad for my credit score! I have had 2 loans that I paid off in less than 10 months. the Paid off loans show closed accounts, that lowers my credit score. i am very upset, because the paid off loans should show a favorable mark in my attempts to pay timely, and should increase my credit score. it does NOT! My credit history does not show having any payment history at all!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Discovered that I was getting multiple false charges to my credit card. Notified my credit card company CitiBank on XX/XX/XXXX and was told that it would not be withdrawn from my checking account but on XX/XX/XXXX my checking account was charged the money and was told there was no record of the dispute. A new dispute was filed on XX/XX/XXXX and I am still being held liable for the charges as of XX/XX/XXXX. The XXXX entities that have these multiple charges are XXXX and XXXX. I was unable to successfully reach them. The amount of false charges are in excess of {$17000.00}.

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 2022-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I have my home owners ins paid via PennyMac they did not pay it and have force placed my ins! The bill was sent to them and I have attempted to settle this with them and I havent received an outcome! They need to pay my ins backdate from exp date and pay the ins any late fees out out of their pockets! Not once did they notify me about my ins or force placement!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I XXXX my babysitter her money. I hit her name and XXXX her {$200.00}. A day later she tells me she never received the money. I checked my bank records and it shows her name, XXXX. After going crazy for a few minutes trying to figure out why she never received the babysitting money, I realize I had sent it to the wrong XXXX. Apparently I had another XXXX in my recipients without even knowing. I contacted Wells Fargo right away to try to reverse the transactions and they quickly informed me it was irreversible transaction. I explained the situation to Wells Fargo, that I contacted the wrong person I send the money too and they themselves did not get the money either if not she would have return it to me. I then got the documents from XXXX XXXX inventigation and now it claims the money was sent to another phone number listed in the token/account. XXXX and all these big banks are a total scam. Wells Fargo said they would try to get my money back but they did not do the proper investigation. I am a single mother of XXXX kids. I need those {$200.00}. My next step is to open a police report. I though Wells fargo was going to do more for its customers especially because I have been a loyal longtime customer but they did not care. {$200.00} might not be alot for XXXX but to me and my family it is a whole week of food and gas. Also I do not understand why they did not keep on trying to collect the money from XXXXXXXX XXXX because that is where the money got sent to apparently. I am very disappointed with Wells Fargo. If this is not resolve I will never bank with them again, close all my accounts, let my family and friend about what they did and not to use their services ever again. Alot of my family memeber have account and auto loans with them. They are willing to close their accounts because their looking at how they are handling my situation and does not that to happen to 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 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MSCB, Inc.
State: AR

Complaint narrative:
This company calls me over and over and over. Ive told them could they not call me during my work hours. I work on the phone and them steadily calling me is a distraction. 
Theyve called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today. Ive already sent them a cease letter as well as a debt verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I called to add my cc to XXXX XXXX  and change my number, without sending any alerts they blocked my zero balance card and asked for a copy of my drivers license. I did it and then they asked for a utility bill. I asked them to close my account they after giving me a lot of delays they did and said theyll send my positive balance by check. I asked for the annual fee to be prorated. They said no you already paid for it. Please help the American consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted a prequalification application for a home loan at US Bank on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with US Bank, because at the bottom of the report it says, " Real estate on behalf of Us Bank Home Mortgage. '' A loan officer named XXXX XXXX at US Bank was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called US Bank nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with US Bank and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask US Bank to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by US Bank are " authorized by law '' which does not make any sense. US Bank specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.

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 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: CA

Complaint narrative:
I submitted a prequalification application for a home loan at XXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXXXXXX XXXX  XXXX XXXXe. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXX XXXX nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask XXXX XXXX to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.

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 2022-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
The company used against me the following 4 Key factors they are saying had adversely affected my credit score : 1 ). Number of accounts with delinquencies 2 ). Too few accounts currently paid as agreed 3 ). Length of time accounts have been established 4 ). Time since delinquencys is too recent or unknown These are the 4 reasons I was denied and all of them are lies. These reasons are untrue and doesnt actually portray my credit report or me. I actually feel they made up that scrap because they noticed from my ID I was a XXXX male.

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 2022-10-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, Equifax and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.

Company response to consumer: Closed with explanation