vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Subject : Urgent Request for Assistance : Unjust Closure of Capital One Credit Card Account Affecting Credit and Home Purchase Dear Consumer Financial Protection Bureau, I trust this message finds you well. I am writing to bring to your attention a critical matter involving the abrupt closure of my Capital One credit card account due to two returned payments. I am deeply concerned about the impact this incident may have on my credit profile and my ability to pursue a home purchase. 

At the age of XXXX, I am earnestly working towards building a secure financial foundation, and the unforeseen closure of my credit card account has presented significant challenges. I believe that the consequences, particularly at this early stage of my financial journey, may be unduly harsh. 

I seek your intervention to investigate this matter and request that Capital One reevaluates the decision, considering the potential ramifications on my creditworthiness and the defamation of character implications. My primary goal is to rectify this situation without any lasting impact on my credit record. 

Enclosed with this letter are pertinent documents, including account statements and related communication with Capital One, to provide a comprehensive understanding of the situation. 

I sincerely appreciate your prompt attention to this matter and kindly request your assistance in ensuring a fair resolution that does not adversely affect my credit standing. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NY

Complaint narrative:
About a year after purchasing a XXXX XXXX XXXX from US auto sales in XXXX, XXXX XXXX, they filed for bankruptcy and sold my contract to XXXX XXXX XXXX. I was never notified of this change. I purchased a gap year amendment as well as collision and comprehensive insurance through US auto sales. I have all of the paperwork stating that I did so. In XX/XX/XXXX I was in a one person accident due to a terrible rain storm. I tried to call US auto sales, which is when I realize that my new company would be XXXX XXXX XXXX. My car was pretty much totaled in the accident and had to be towed from the site. XXXX XXXX XXXX refused to honor my gap amendment or even the comprehensive and collision insurance that I had through US auto sales. I even emailed them the paperwork that proves that I had that coverage through US auto sales. They informed me that US auto sales only sent over billing information and nothing else and theres nothing that they can do about it. Now I have a {$22000.00} debt on my credit report and no way of getting it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. I am tired of them calling my phone communicating about a false debt that isn't mine. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
There were only XXXX checks. I dont know if I downloaded the pictures properly. A fair resolution would be to release my money immediately so I can start paying my bills. They dont need to hold onto my money one day longer. Its criminal.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC
State: DC

Complaint narrative:
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

CARVANA LLC XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have a loan to pay off at Moneylion I tried to deposit or cash my check and they refused to assist me as I'm XXXX in my hospital bed I asked them to either help me to deposit my State Teachers Retirement check to my account or if they couldn't accept my payment How am I supposed to pay them? 
They refused to help me and I sent a physician statement that I am indeed XXXX I served my country in the XXXX I served as a XXXX  in XXXX XXXX  for 10 years I have a master 's in Education I just hoped that I could be treated as a Citizen of the country I served

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
( Charges are invalid. Cleaning charge for carpet was added after completion of the lease. Pictures documents are available upon request. Inspection form contains documentation of stains at the time of move-in. ) After I moved out of my apartment which i was only there for 6 months ( student housing ). My roommate and I received a charge for XXXX dollars each regarding the move out inspection ( Which they set up to do after we turn in our keys and left the premises as per there company policy ). 
Me and my roommate address the original issue years ago, with-in days of us moving out. We supplied them with the original move inspection ( via email ) that showed that the carpet was already dirty and damaged. Then which they stated someone would look into the issue. So a couple day after not receiving an update we both went to the leasing office and the property manager stated that they made a mistake and they were going to take care of the issues. So me and my roommate both left it alone out of good faith of the managers word. Then recently this XXXX out of nowhere the debt collection agency ( XXXX ) communicated to me that i was sent to collections. At first thought it was a scam because I received no type of notification from the property and for this to happen years after without warning doesnt make sense. Then to find out Only me and my guarantor ( XXXX XXXX ) were sent to collect and not my roommate. So I reached out to both parties and was sent in a wild goose chase for the last month with no response or luck. 


Interest is also being added monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I opened an account with XXXX XXXX a product of First National Bank of Omaha, in XXXX XXXX  I few days later I tried to update the email address and telephone number for the account, but was informed that this could not be done because the account was too new. I was also informed that my account was now *restricted* due to suspected fraud and that the bank 's fraud department would reach out to me to resolve the problem and remove the restriction. 
I never heard back from the bank. I have contacted them again repeatedly to request that the restricted status be removed to allow me to access my funds and update my contact information. Unfortunately XXXXXXXX XXXX  does not allow customers to contact them by phone, but only via " chat '' within their smartphone app and via email. However, my " chat '' messages are not answered and the email address provided for customers to use to contact the bank is invalid : when I send messages I receive an error message. I need access to my funds, which have been frozen since XX/XX/, and my attempts to contact someone at the bank to fix the problem have been unsuccessful.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My family and I have been a Bank of America customer for over 30 years. Over these years we have utilized various BofA services, securing loans, including a XXXX Mortgage with a second mortgage. In 1996 we established a family, veteran, minority owned small business with a SBA-baked loan. 
This is about the second mortgage ( balloon home loan ) from XXXX, maturing on XX/XX/XXXX. Despite seeking consideration for a lower payoff and encountering challenges during a modification attempt we navigated the process. During all the interactions with BofA I always asked if I could make another monthly payment, and was told that I could not due to the loan reaching it's maturity, and during the modification process it was not necessary. However during the modification process my loan was in fact sold, even though a letter I received from BofA on XX/XX/XXXX stated in the 4th bullet point, that if your loan is being revised or modified then this sale would not affect me. This was frustrating due to the amount of time, phone calls, and due diligence in getting all documents for the modification package. 
Afterward, our family owned business received a generous offer from our business bank of XXXX years, providing a {$30000.00} discount to pay off the remaining balance of a once {>= $1,000,000} loan. Excitedly I applied for the second mortgage with XXXX, only to encounter a setback due to a reported {$31.00} late mortgage payment in the last year with BofA. Upon contacting BofA, I discovered the loan being transferred during a loan modification, had caused confusion about its status. despite acknowledging the error by several different BofA representatives, this situation for {$31.00} has caused frustration and a huge impact on our credit. Numerous attempts to resolve the issue, including calls, service request, and interactions with various BofA departments and representatives. The last contact on XX/XX/XXXX was with a supervisor named XXXX from XXXX, who displayed a total lack of empathy, or understanding. She kept informing me that this was all my fault and there was nothing she could do to help. 
I have been a loyal customer of BofA since XXXX. I urgently request the removal of the past due payment of {$31.00} from my credit bureaus. We are counting on the {$30000.00} for fourth-quarter Inventory. This {$31.00} has significantly impacted our small business. I believe that BofA, in line with its commercials will rectify this situation promptly allowing us to save our employees jobs and our family company. 
Respectifully submitted XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have tried several times to resolve an issue where a company with access to my account without my permission charged my card {$950.00} and change. I reached out to the company to XXXX, they did not answer my calls, emails or text messages once they stole the money out of my account. Once I disputed the matter BOA provided a temporary credit. I then received a credit reversal that over drafted my account. I asked for the reason for the reversal and BOA mailed me what appeared to be a fake lease document that they reported as a lease agreement. I immediately reached out to the real company and provided them a copy of the fake documents. The apartments management team provided a letter stating that I do not have a lease agreement nor application on file with their company. BOA stated that they authenticated the document which is obviously fake. BOA has yet to respond to my requests to reopen the case so that I can properly have the case looked into. I was told by a representative that they do not verify information that is sent in by the consumer. I continue to submit documents as requested only to be left holding the bag for criminals who Bank of America has not properly investigated. 

This means that people and defraud innocent people and Bank of America will do nothing to protect their consumers from thieves.

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 2023-12-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
this is reporting as a chargeoff and I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law.

Please also enclose a printed copy of my payment history or you may also email it to me XXXX XXXX XXXX. Please do not send any marketing or other account information to this email address. I have no desire to have spam at this location and I track everything by standard usps mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
This company has no reason to exist, LEXISNEXIS RISK SOLUTIONS 1. Their records are full of errors on individuals 2. Includes information on anyone with similar names, with bad credit. 
3. It confuses credit applications and can harm people with great credit. 
4. The company professes to be a credit bureau, but it is not and is very difficult to deal with. 
5. This company has an F rating by the XXXX XXXX XXXX, with multiple complaints of the same problem! 

If you attempt to explain that they have the wrong information for another person they are unconcerned and make it very time-consuming to correct their error! 

Honest people with good credit are being damaged by this scam company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent proof that the balance is incorrect on 3 times to XXXX and Transunion and they refuse to remove the inaccurate info on my credit report. XXXX and XXXX have both removed this inaccurate information but Transunion refused to properly investigate this matter. The account is for XXXX XXXX and the balance they show is {$620.00} which is not correct. It should have been closer to {$300.00} because I have made payments to the original creditor after XXXX is stating they bought the debt. The original creditor informs me that I dont even have an account with them and it shows that it was closed with no balance. Im not sure where XXXX came up with their amount. the only proof they keep showing me is an old statement from the original creditor that was not even the latest bescause I have a more recent statement that shows the balance being wrong. I never had any type of account with XXXX so why are they lying and reporting false information and why hasnt after 3 times that Transunion won't do a proper investigation. They keep sending me letters that shows the account is accurate despite the proof I have sent them. 


I have attached the latest report after sending proof of an incorrect amount and the proof that they did not remove it off of my credit. 
I am also sending the last statement from the original creditor

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute

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 2023-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX  - fraudulent transaction of {$690.00} XX/XX/XXXX  - received monthly billing statement, alerted Home Depot of the fraudulent transaction XX/XX/XXXX  - Home Depot acknowledges claim A few months pass. Home Depot initially reverses the charges, but in XXXX deems us liable for the transaction. 

XXXX and XX/XX/- we discover that a new credit card had been mailed to us, activated and used without our permission ( we still had the old credit card in our possession ). We send evidence via a police report and USPS claim of mail theft, including of the new credit card from XX/XX/XXXX. Pending response from Home Depot. 

They are holding us liable for the initial fraudulent transaction of {$690.00} and three months of late fees at this point.

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 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Attached is the notice of default and intent to accelrate. As you can see with the attached document, I've not missed a payment ever. The interest charges and all fees will be paid when all principal has been paid, which is what the laws of the USA state. 

Their licenses should be revoked for continue to remove elderly people from their homes. I am XXXX yrs old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation