vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXXSubmitted Dispute to TransUnion and provided proof from verification source. 
XXXXContinue to ignore proof and have error remain.

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 2022-06-17 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-17 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I went to XXXX to send money to my brother in XXXX. Because I am not on his visitor 's list it said I couldn't send him money, but the money was still taken from checking account. 

I called XXXX about a refund and was told it was being processed. I was given a confirmation # that doesn't match and records of XXXX. They have no record of the transaction. I googled the name of the creditor it shows on my statement and find that it is a fraudulent company. 

Comenity XXXX XXXX Web Payment XXXX is how the charge shows in my account. The amount is {$30.00} and the amount is {$30.00}. 

I bank with XXXX and the last 4 digits of card used are XXXX. The card has since been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # starting with XXXX, XXXX  XXXX XXXX Account # starting with XXXX, XXXX XXXX  Account # starting with XXXX, XXXX XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-17 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # starting with XXXX, XXXX XXXXXXXX XXXX Account # starting with XXXX, XXXX XXXX Account # starting with XXXX, XXXX  XXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my XXXXights.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 my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: OR

Complaint narrative:
Refinanced loan and my loan was sold to American Pacific Mortgage. They have lost my payment checks and threatened to send me to collections after I sent proof of payment from my bank. They will not correct the issue and are still threatening to send us to collections for their mistakes.

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 2022-06-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I had multiple autopay bills for credit cards due. The majority went through as usual with no error, but a bug with Avants banking system double billed me for two of these charges. 

The incorrect charges are as follows : XXXX XXXX - XXXX - double billed XXXX XXXX - XXXX - double billed I contacted Avant on the morning of XX/XX/XXXX by phone. The agent put the blame on XXXX XXXX and XXXX. If that is the case why has the issue never occurred before, and I have used the Avant banking product since it was named XXXX XXXX  close to launch. 

I contacted both XXXX and XXXX XXXX and they confirmed there is only one payment registered on their systems. I called back the Avant banking phone support line and they kept putting blame on the credit card issuers. I was emailed a dispute form and told that my funds wouldnt be returned for up to 45 days. This is unacceptable. 

In addition to these issues, Avant has not sent me a functional debit card after multiple attempts over a year or more to get one sent to my address. This company has no business running a banking product when their systems do not function correctly and they have next to nonexistent customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have had issues with my identy theft back in XXXX and XXXX since then i have send numerous letters to CAVALRY and by now it has been over XXXX years in XXXX since i have been fight this. I told them that by florida law they can no longer have this in my credit report because here in florida the law is that this should be taken off after XXXX years. They are not compliant and i had to complain to the XXXX XXXXXXXX and still they do not follow the laws of florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a victim of a check-forwarding scam. I received payment in the form of a check ( {$4100.00} ) from a fake employer under the alias of XXXX XXXX ( which I did not know at the time ) and the check was from XXXX XXXX XXXX. I was told I was going to receive equipment for the job as I would be working from home as a freelance graphic designer. He told me to send the check money I deposited through XXXX to the local vendor that would supply me with the equipment, but then I realized it was all a scam after consulting family, and friends and filing a report with my bank Wells Fargo, the FTC, and XXXX. 

On Friday, XX/XX/2022 I received the check and mobile deposited the XXXX dollars amount and I XXXX  XXXX of that money to the vendor ( the person who was fake ) the next day Saturday, XX/XX/2022. 

When the check bounced, my account balance went deep into the negative. I still had a little over XXXX in savings after this happened. Then, Wells Fargo Loss Prevention transferred my entire savings into the negative checking account balance without notifying me prior and now I have no money. My checking is still XXXX dollars. 

After submitting multiple claims with my bank, they said they could not credit the XXXX back to me as they couldn't " verify '' whether I had received the equipment or not, which I didn't. Why would someone send me a fake check and then still send me XXXX dollars in equipment? That doesn't make sense to me. 

I want my saving and my checking to the amount it was before all of this happened. Wells Fargo has done nothing but sideline me and make me feel like I'm the responsible one when I was taken advantage of. I need help with this.

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
We have a company credit card with Home Depot and are having an issue with incorrect statements being mailed EVERY month. The statements are generated 10 days BEFORE the end of the billing cycle and include 10 days of last month 's purchases and 20 days of the current 30 day cycle. Absolutely worthless statements. 

Example : I have a Home Depot statement dated XX/XX/22 for {$230.00}, but the actual amount due is different since some of these invoices were already paid and 10 days worth were omitted due to the statement being generated before the billing cycle ended. 

The statement does not even include a date the payment is due! Citibank, N.A is the vendor for home depot and should be providing customers with an accurate statement each month instead of trying to convince customers this absurd billing practice is the norm!!

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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Mailed Letter with receipt on XX/XX/2022.

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter in the mail from a credit agency ( XXXX  ) stating that I have a dept from regions bank and I needed to pay the debt collector. However I do not bank at Regions Bank nor did I have an account with them. Someone has stolen my information and opened and account on my behalf without my permission or knowledge, this is fraud

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 2022-06-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  account # XXXX, XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XX/XX/2022 : went to bank to try to close account. They said I needed to make an appointment. I waited in lobby but nobody came to help with appointment. 
XX/XX/2022 : I called twice to try to make appointment. Both times, they promised that the branch manager would call me. She has never returned my calls. 

It is IRA account for more than {$800000.00}.

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 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
My mortgage is currently with Citizens One. 
I received notice, XX/XX/XXXX that my payment, due to escrow, is increasing by more than {$200.00} per month. 
I tried to get online to check what was happening, login failed. Called Citizens One for assistance. A 10-minute call dealing with an automated menu loop, which became degraded and kept looping back to the previous menu. Hung up and called again.

This time I got a person, breaking up in the connection. Explained that I was unable to log in. She informed me they would text me a code. Since I have a landline, text wasn't possible. She informed me she was unable to help me. I let it go until today. 
Called today after getting another notice about my payment increasing. 
Called ( XXXX ) XXXX and again, continuous automated menu loop! Just kept trying different menus until I got someone. 
Explained, tried to with a poor/breaking connection, what I was asking. All a got was to apologize for the poor connection, which had to be terminated. 

My issue is that I receive a Form 1098 from them every year they acquired the account, XXXX. Under the Escrow Reconciliation, it shows that every year a balance of at least {$1100.00} is carried over. and my payments are increased!

I receive a Homestead exemption every year, which is not reflected in the property tax amount. For the last 2 years, the state has given me another tax exemption in addition to my Homestead.

I want to know who has my overage?

The State Treasurer is supposed to send back to the institution any surplus.

I have been unable to get any information about my money.

I had contacted the State Dept of Revenue, they are looking into it. 
But still unable to get anything from Citizens One! 
Franklin Mortgage had it before, they would send a check-in in XXXX for any overages. Citizens One has sent only notice of increase of payment. 
The new payment for escrow will exceed my mortgage principal payment and my income! 
I want to know where all my escrow money is going? Is the State keeping it? Or Citizens One? 
Either way, there is no way to make an {$850.00} payment on Social Security. 


Copies of letters and Form 1098 can be attached as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: FL

Complaint narrative:
I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown asXX/XX/XXXX.I had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KY

Complaint narrative:
I sent {$100.00} to a friend via CashApp on XX/XX/XXXX. They contacted me to let me know that they had to get a new phone and lost all their contacts, as well as access to rheir CashApp account. I attempted to contact CashApp support, but they said they couldn't pull the money back, since the transaction had completed. My friend is unable to access their email associated with their account, and would have to create a whole new account in order to continue using the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION
State: SC

Complaint narrative:
hi on XXXX I got a loan from them for XXXX dollars but they sent me 2 checks each for XXXX dollars so i put them both in my account in XXXX they took the whole XXXX  back but i am still paying on the loan please help me i sent all the paper work they ask for every time i call they tell me something different

Company response to consumer: Closed with explanation