vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I was approved for an SBA loan on XX/XX/2020. The loan proceeds of {$140000.00} were deposited into my personal checking account. I was contacted by Penfed via email and informed that my loan proceeds were being returned as business transactions were not permitted in the account. On XX/XX/2020, Penfed returned some of the funds {$120000.00} to the treasury department. The funds were sent in the form of payment for my loan and not returned as I was informed due to the account being unable to perform business transactions. Penfed also notated on the cashier 's check that I had committed fraud which I have not.

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 2022-07-20 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: NJ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
we received a new prosper credit card in XXXX and promptly registered the account for online access and added 2 checking accounts to make payments from. 
When the first statement was received in XXXX we tried to make payment online but it did not work as we received a error message that payment could not be processed and to try again later. 
We tried 2 accounts and different web browsers with the same result and subsequent re tries also failed.

We next downloaded the app and tried but it did not work either, we send 2 emails to customer service with no response and were unsuccessful calling the number to reach a agent.

The problem persisted with the next stratement in XXXX, we send additional emails with once again no response, we tried calling again and finally got a hold of agent who told us the account was in collection and we had to pay the full balance by giving them a bank account number over the phone. 
i explained to them that we tried to make payments but due to their system not working were unable to and she acknowledged that their system showed various payment attempts since XX/XX/XXXX but told us there was nothing she could do. 
i feel like i am being defrauded by this company as they are unwilling to resolve a problem they caused

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: HI

Complaint narrative:
These people have been calling and texting for over a year. Early morning mostly. Every single day. I miss appointments and other calls because I have to turn off my phone every night in order to get a full nights sleep. I tried to contact them but nobody ever answered. This is not my debt. They are looking for my brother XXXX XXXX. We are estranged, havent spoken in years and I have no idea how to reach him or where he lives. I have told this to these collectors and they continue to harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On Wednesday XX/XX/2022, I entered my Huntington Bank credentials on my new phone to log in to the Huntington Mobile app.

They had not been saved after upgrading my previous device, and were first in error before entering the correct combination of characters. Thereafter, I received a message informing me that I was unable to login from this device and was required to call customer support for resolution. 

Upon doing so, I was informed by a representative that my account access was revoked due to suspected fraud and identify theft. 

He insisted that I had been locked from my account and its balance for those reasons, despite the fact I could still ( at the time ) log in via web browser and in actuality was in that very moment, having done so successfully while on a brief hold. 

In light of that, Huntingtons representative attributed the good standing of my web status to an error and responded to my request for identity verification with another hold so as to consult his superiors. 

Upon return to the line, he reiterated his response to prior iinquiry that I was expected to visit a local branch despite living XXXX miles away from the cited ( nearest ) location of XXXX XXXX XXXX, XXXX PA. 

Per subsequent discussion, the branch of XXXX XXXX XXXX, XXXX NJ, at a distance of merely XXXX miles and fully listed on XXXX Maps as a functional location is not so. 

Explicitly expressing my establishment of membersip with the understanding of it being available was evidently not an issue significant enough to warrant re-consideration of the situation, so I thanked the agent him for his time before ending the call. 


XXXX via Huntington Banks social media response team ( @ XXXX ) resulted similiarly, after which I chose to post publicly, then ultimately escalate in this manner. 

A customer advocate ( XXXX ) did reach me by phone in the meanwhile on XX/XX/XXXX to indicate her awareness of my complaint, and left a message yesterday morning whilst in the middle of my workday, however my later follow-up call was missed and I have been unable to speak with her since. 

A repeat of that today prompted me to leave another unanswered voicemail after arriving home and not receiving any correspondence. 

After said voicemail, dialing Huntingtons automated customer support line and speaking to a live agent both declared my account has been closed and its balance is zeroed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NJ

Complaint narrative:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}

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 2022-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendKey Technologies, Inc.
State: VA

Complaint narrative:
I am the cosigner. The options given on previous page, don't cover my problem. I contacted Lendkey Default Prevention Department on XX/XX/XXXX regarding a private student loan that my daughter let lapse years ago, wanting to know how to get the loan up to date. On XX/XX/XXXX they responded that the loan was returned to the lender ( XXXX XXXX XXXX XXXX ), every since that day I have been given the run around between Lendkey and XXXX. Lendkey then emails me on XX/XX/XXXX stating that the loan is being transferred to XXXX XXXX on XX/XX/XXXX. I telephoned XXXX XXXX XX/XX/XXXX and was told that they do not have the account. Just last week I called XXXX again and was told they had received the account, but it was then recalled by Lendkey due to the fact that no payment had been made in years. Today, XX/XX/XXXX, Lendkey is again saying they sent the account to XXXX. 

I don't know what to do, this loan is affecting my ability to purchase a home because it is showing on my credit as late. Please, please help me. I haven't been able to find anything on line that mentions my situation and who to contact. 

The unprofessionalism is unreal, for a company that collects monies to lose or misplace an account is sad.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ONEMAIN FINANCE CORPORATION
State: NV

Complaint narrative:
ON XXXX I PAID ONE MAIN FIANCIAL XXXX XXXX OFFICE OTHER HALF MYMONTHLY PAYMENT THAT TOTALS XXXX $ $ MONTH I PAID XXXX THEY PUT XXXX $ TOWARD MY ACTT XXXX XXXX WENT TOO INTREST I HAVE NOT PAID ANOTHER PTYMT AFTER THAT DATE IVE TOLD THEM COME GET XXXX XXXXXXXX XXXX IM DONE WITH THE HIGH INTREST ILL BE DEAD BEFORE THE BALL PAID OFF I CAN NO LONGER PAY THIS CAR NOTE COME GET IT SELL AT ACTION PLS NO RESPONSE

Company response to consumer: Untimely response
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Three major problems : 1 ) When calling the bank its extremely difficult to navigate the system to get help with a live person. It keeps saying I don't understand. Then you have to wait on hold for an absurd amount of time. They won't call you back like alot of businesses are doing now. You just have to wait on hold and listen to this person repeating and talking constantly. Its crazy.

2 ) On the mobile app. you can't see more than a few transactions for your credit card. So I can't determine if I got a refund on a purchase. Or see more than a day or two of purchases.

3 ) Terrible bank they do very little to help on anything. I went to the bank and the line was down the block!!!!

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 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
During XX/XX/2022, I was approved for purchase loan for {$360.00}. I called The XXXX XXXX about a XXXX case they are selling on their website for XXXX XXXX. I asked if this item will fit without any inserts, I was told this was a perfect fit. After receiving the Case, I noticed it was very big and heavy and did not fit my XXXX XXXX. On XX/XX/2022, I asked for a return label, they refused stating this was a Clearance item, which I am not aware of. Since this case did not fit my controller, on XX/XX/2022. I paid {$56.00} at XXXX XXXX and sent the case back. I was notified by XXXX, they received the return case. During this time I called the finance company, Affirm.com to report I return this case to The XXXX Hook Up. Several times Affirm tried to collect the payment after I advised them the item was return. On XX/XX/2022, Affirm stated they have close my dispute file and I will have to pay for a return item, otherwise Affirm will put the balance owed on my credit report. I am asking your help to resolve this matter before they put this return purchase on my credit report. Attached return label uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 Section 602A 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 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 2022-07-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have a loan through Westlake Financial Services that was opened in XXXX of XXXX. The loan is for a XXXX XXXX XXXX XXXX. I had obtained this via XXXX XXXX XXXX in Pennsylvania. On XX/XX/XXXX at around XXXX EST I had called out to Westlake Financial due to an emergency and needing to see if I could have my XXXX payment deferred. After speaking with XXXX XXXX for a while he did agree to defer the payment and had me and him sign an agreement/contract stating my payment would be deferred. I had to pay a XXXX $ payment towards it and I did that. I was told via voice, and the print out of the contract that my payment for XXXX would be deferred and I wouldn't owe it until XX/XX/XXXX. I had figured everything was okay. A few days later Westlake called me saying I was late with my payment. I explained that I had been approved a deferral and I was told that was false I was not they had no idea what I was talking about. I asked to speak to a supervisor and was hung up on it. This has continued every day multiple times a day causing extreme anxiety and I have missed doctors ' appointments because of their harassment towards me in regard to this. I told them today that I had filed complaints because of this and the woman laughed at me telling me there is NO way I had a deferral approved. I do have it printed out, as well as downloaded. I am very upset they continue to call, and have told me that it will be reported as late to the Credit Bureau the XXXX. They also will repossess my car as of XX/XX/XXXX. I have no idea what to do at this point besides this, the banking XXXX and getting in touch with an attorney personally. I do know they have had plenty of lawsuits that they have lost for improper collections, inappropriate repossessions, and other crimes. Please help me stop them from bullying and scaring me.

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 2022-07-21 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: Experian Information Solutions Inc.
State: GA

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

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted Experian and XXXX multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors. 

Please see my attached credit report ( dated XX/XX/2022 ) that shows a plethora of inaccuracies and errors that I have disputed multiple times with each bureau and have come back " verified '' every time. XXXX has conducted reasonable and lawful investigation into each account and has deleted the erroneous accounts. 

Please note that not complying with the laws of the FCRA can and will subject your company to statutory damages of {$100.00} - {$1000.00} ***per violation***. As you can see, there are quite a few violations that have been highlighted.

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