vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car loan is with US. Auto Sales, who has transferred my loan to Westlake portfolio management. however, before the loan. US. Auto has been double charging me for payments, and additional fees along with charging me for collateral protection, for almost 2 years. when I explain to them that I have insurance, and sent proof as well. I never received any of my money back. I was sent a letter stating that they were looking into this matter, then next thing I know. I start seeing letters from another company stating that they've taking over for US. Auto Sales, and all payments should be made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke to the representative XXXX and requested a draft to give to XXXX of XXXX XXXX for the vehicle listed on the Buyers Order. The representative used my account information and SSN to obtain a credit report from the credit reporting agency called XXXX XXXX XXXX. On XX/XX/XXXX I was advised by XXXX that I didnt get approved because my credit score was too low. I was not asked for a copy of my driver license and didnt sign anything because XXXX was entering information in the computer. 
Then on XX/XX/XXXX, XXXX called my cellphone and asked me to call her. When I called XXXX back, she said she may have a way to get me what I requested. She stated she needed me to send a copy of my driver license and to sign my name three times and faxed to her. Instead of faxing my driver license and signature, I drove to Vystar and gave the information in person. XXXX made a copy of my driver license and the three signatures. She said she was speaking to someone and then told me that I was denied because of the low credit score. 
While I in the office with XXXX, I received a notification on my cellphone alerting me that my SSN was used for hard pull on my credit report. I asked XXXX if she ran my SSN again. She told me she didnt see a 2nd hard pull inquiry from XXXX XXXX XXXX stated that they tried to get me financed with XXXX XXXX who is in-house lender they use to try to get an approval when people have a low score. XXXX did not ask for my permission to use XXXX XXXX 
XXXX did not get my permission to run my SSN a second time. Her actions are identity theft because she did not have my permission to use XXXX XXXX  without my authorization XX/XX/XXXX. I did not input my own information and didnt sign an authorization or release of my SSN to be freely run as the representative did. 
I was not advised by XXXX that she was inputting my SSN with XXXX XXXX. I didnt authorize XXXX XXXX my SSN with a third party. XXXX checked the computer and advised that XXXX XXXXXXXX didnt approve my request because of the low credit score. I was denied twice because of a credit store. 
I received a notice dated XX/XX/XXXX which stated, We obtained your credit score from the above referenced consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. 
On, XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they provide insurance to the financial institution to support its lending operations. They were provided information from the consumer reporting agency. 
The letter from XXXX XXXX XXXX confirms this third party was provided my SSN to run a credit report that I did not authorize. I am also aware that I did not request insurance from this third party.

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
An account displaying Adverse Information has surfaced on my recent credit report from P & B CAPITAL GROUP LLC with a debt of {$1200.00} dated XX/XX/2023. However, I have not yet received a debt validation letter from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one closed my account due to fraudulent behavior in my acct. Someone who claimed to fix credit has used my credentials

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
To the Concerned Party, I am writing to address a matter of utmost importance that necessitates immediate attention. Regrettably, my financial account has fallen victim to fraudulent activity, and I find myself in the unsettling predicament of being denied reimbursement by my bank for the unlawfully taken funds. In response to this distressing situation, I have taken the initiative to file an official police report in connection with the crime, underlining the severity of the identity theft I have suffered. 

The fraudulent actor responsible for this act of deception managed to gain unauthorized access to my account, most likely through the acquisition of a duplicate of my debit card. While the bank has indicated that such an occurrence is seemingly implausible, I must emphasize that my unfortunate experience stands as evidence to the contrary. 

It is my belief that I am entitled to the protections outlined by the Federal Deposit Insurance Corporation ( FDIC ), a safeguard that guarantees financial restitution of up to {$250000.00}. In this specific instance, I had maintained a balance of {$2900.00} in the compromised account, which was subsequently depleted entirely. 

My intent in pursuing a resolution to this matter is sincere and rooted in a commitment to justice and transparency. My decision to file a police report is not one made lightly, as I recognize the implications of such an action. Rather, it stems from a genuine necessity to address the wrongdoing and reclaim the rightful security and stability of my financial resources. 

I implore your assistance in navigating this distressing situation, as I am left perplexed and uncertain about the subsequent steps to take. The gravity of the situation compels me to seek a just and equitable resolution, as I am resolute in my assertion that I have been wronged and seek the appropriate remedies. 

Thank you for your prompt attention to this matter, and I remain at your disposal for any further information or clarification that may be required. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I received a letter in the mail saying that I owe for XXXX XXXX XXXX XXXX from XX/XX/2023 which I do not collection agency is lock hart Morris & Montgo

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
On XX/XX/2023, I applied for the Aspire credit card and was denied for the following reasons : Credit score provided : XXXX Review screenshot score provided directly from XXXX : XXXX Delinquent or derogatory status on accounts is too recent. 

Answer : There is not any recent or derogatory status on accounts besides the collection accounts, yet they are excessively old dated back to XXXX Not enough balance paid down over time on revolving accounts Answer : Revolving credit does not have any balances " please review screenshot Unpaid collections Answer : Unpaid collections are several years old and do not have significant impact any longer over XXXX years old. 
There are only XXXX collections withe XXXX of them being medical that should have been paid for by insurance. 


No open revolving accounts in your credit file Answer : There are open revolving on the account, review attached screenshot Number of inquiries adversely affected the score - impact was not significant. 
Answer : The score you provided was not accurate but you are a lender geared towards surprise lending and thr credit score has qualified for previous applicants except mine because I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This collection just hit my credit and IT IS NOT MINE! NOR was I ever informed or even had the chance to dispute and receive validation from this company. This is again NOT mine. Please help, they should have contacted me and I would advised them this is NOT mine please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: DE

Complaint narrative:
XXXX Account # XXXX XXXX Account # XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )

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 2023-08-23 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: DE

Complaint narrative:
XXXX Account # XXXX XXXX Account # XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: KS

Complaint narrative:
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
This company Goodleap has failed to take automatic payments from my debit card for over a year now and in results have been reporting to the credit bureaus late payments I have recently claimed bankruptcy and I explained to this company that since Covid I have been dealing with financial issues I have finalized my bankruptcy and was told by this company that even if I was in bankruptcy and I did or did not include them in the bankruptcy which I didnt claim them in the bankruptcy, I am continuing to pay them and I am in good standings, they said I am no longer to be put in for automatic payments and that they are not going to help me resolve any credit issues I had asked them in good faith and transparency is there anything I can do and they had said no I am being discriminated against I feel like my financial situation is the reason why they are treating me this way I had spoke to an individual who is a manager her name is XXXX XXXX I had asked her to please provide me this information stating that they are no longer able to except payments from me because I am bankrupt she said this is her company policy she had also stated there was nothing I can do and no one else to talk to and whoever I talk to is going to tell Me The same thing. I explain to her that I do feel like she is targeting me because of my financial situation I explain to her that I am current on the account and Im just trying to get answers she explained that I need to email her to get any answers answered and that she is not going to transfer me to anybody or let me get any help from anywhere else I also ask for a supervisors name which is XXXX XXXX I have yet to receive a call or any feedback from her I was told she is aware of the situation and was going to contact me, discriminating against me for my financial situation that I have no control over is illegal and wrong and I will pursue this if need be legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC
State: MS

Complaint narrative:
I told the company I wasnt able to pay until the XXXX and they accepted my payment arrangement with a debit card setup. I still received calls, after XXXX XXXX on a weekday regarding my loan. I explained to them that I have already promised a payment on the XXXX with someone else that has called. They continued to call my personal cell phone and my work. Both times I explained to them that I do not appreciate being harassed every second of the day and would appreciate if they do NOT call my place of employment OR my personal cell phone from here on out considering I do have a payment set up. They still are calling my phone AS WE SPEAK. They even have called from their personal cell phones to try to reach me even with my promised arrangement on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I attempted to increase my ATM withdrawal amount on XX/XX/2023, without luck. I called USAA to inquire why and was told it was part of an algorithm. I continued to log into my account to increase the ATM withdrawal amount over the next few days. I continued to have issues accessing my money. On XX/XX/2023, I called again to inquire about my ATM withdrawal limit. They still can't remove the hold or increase the limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
XXXX XXXX, which can be found at XXXX XXXX XXXX denied me an account with them. I asked them which checking reporting service they use, because I am entitled to a free checking report with them. They told me they can not provide this information. I believe I am entitled to this information. I was able to eventually get them to tell me that they do not use XXXX XXXX, but I was booted from the app before I was able to ask for their actual reporting vendor.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Federal Trade Commission, I am writing to complain about the corrupt and chaotic management of Wells Fargo Bank, which has led to the bank charging me an unauthorized fee. 

In the past, Wells Fargo has repeatedly leaked my personal information, putting my credit card at risk of being stolen. To protect myself, I requested a new card. 

After receiving my new card, I attempted to make a payment using the same ACH card that had previously been successful. However, the payment failed. I called Wells Fargo, and they told me that it was my fault. 

On XX/XX/XXXX, I made another payment, again using the same ACH card. This time, the payment was successful. 

Despite the fact that I had made two successful payments, Wells Fargo then charged me a late payment fee of {$45.00} on XX/XX/2023. I strongly condemn this predatory behavior. 

I demand that Wells Fargo immediately refund this fee and apologize for their actions. 

I also hope that the authorities will investigate Wells Fargo 's chaotic management and looming bankruptcy. This bank is a danger to the public, and it must be held accountable for its actions. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX my checking account was suspended from withdrawals with money in it. It said to cal them to solve it. Ive called about 15 times and they never answer. They say to leave a voicemail and they will get back to me within 48 business hours still nothing. The email they sent me said theyll mail a check within 7-10 business days been way longer than that and no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My lease of a XXXX XXXXXXXX XXXX with XXXX XXXX, a unit of Hyundai Motor Finance, included a Purchase Option at End of Lease Term. That Option specified that there would be no Purchase Option Fee. However, when the end of the lease approached, XXXX provided only 2 possible routes to purchase the vehicleI could make the purchase through one of their dealers, who would charge a fee of {$990.00}, or I could do it through an outside contracted organization called XXXX, which charged a fee of {$560.00}. There was no route offered without a fee, despite the clear terms of the lease. 

To keep from having the vehicle repossessed by acting in a timely manner, I bought it through the XXXX option. I am now asking XXXX to make good on the terms of the lease, which they drafted, by reimbursing me for the {$560.00} fee. Despite 3 letters and 3 phone calls, they have refused to do so. This is a breach of the contract, which they should have to honor.

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 2023-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NV

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my formal complaint to CAPITAL ONE LLC for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation