vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX I hope this letter finds you in good health. I am writing to you as a matter of urgency to address the outstanding debt owed to me by Capital One Bank ( hereinafter referred to as " the Bank '' ). 
On XX/XX/2023, the Bank abruptly closed my account which I had maintained for four years without any prior notice or valid reason. Subsequently, I have been relentlessly seeking the release of my funds, which amount to a total of {$55000.00}. These funds represent my life savings, accumulated through countless hours of hard work and dedication. 
The closure of my account has caused significant distress and inconvenience in both my personal and financial affairs. I am currently unable to access my funds to pay for essential expenses such as medical bills, house bills, and credit card bills. This situation has put me in a compromised position, as I have been unable to seek necessary XXXX XXXX, including a XXXX that I urgently required during my XXXX. The Bank 's actions have caused immense emotional and physical harm to me and have hampered my ability to lead a normal and healthy life. 
Despite numerous reminders and attempts to rectify this matter, the Bank has persistently failed to release my funds or provide a valid explanation for their actions. It is disheartening to note that the Bank does not have any physical branches to visit for resolution and has continuously evaded its responsibility towards its customers. 
In light of the aforementioned circumstances, I hereby demand the immediate release of my funds totaling {$55000.00}. Furthermore, I request an additional {$45000.00} as compensation for the undue hardship, emotional distress, and inconvenience caused by the Bank 's actions. I expect full repayment of the total amount owed, {$100000.00}, within a period of 14 days from the date of receipt of this letter. 
Please be advised that if payment is not received within the stipulated timeframe, I will have no choice but to pursue legal action against the Bank to seek redress and ensure that justice is served. I believe that it is crucial to hold the Bank accountable for its unethical and detrimental conduct towards its customers. 
I trust that you understand the severity of this matter and acknowledge the urgency with which I am pursuing resolution. I kindly request your immediate attention and cooperation in resolving this issue in an amicable and timely manner to avoid any further legal proceedings. 
Thank you for your prompt attention to this matter. I look forward to receiving full payment within the specific timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
A.r.m solutions XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have the Apple Card and have been using it for a couple of years now no problem. Recently I went on XXXX in XXXX and my phone was stolen. I took all the steps with erasing my phone and all that. I was even able to use the Apple Card on my other phone for about a week afterwards. Then all of the sudden I went use my Apple Card and it was locked. Mind you this was while I was at the airport and wasnt able to get home. I called Goldman Sachs/Apple Card and they told me it was under review to verify my identity and it should be all set in 24-48 hrs. To date it has been 4 weeks with no end in sight. No reason or explanation given. Just its under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
Dispute of False Bankruptcy Listing on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute an erroneous bankruptcy listing that has appeared on my TransUnion credit report. I have recently obtained a copy of my credit report, and I was dismayed to discover that a bankruptcy record has been inaccurately associated with my credit history. 

I want to assert, unequivocally, that I have never filed for bankruptcy and that the information provided on my credit report is completely false. I have maintained a responsible and consistent financial history, which can be corroborated by my payment records, employment status, and other financial documents. 
I kindly request that the erroneous bankruptcy record be promptly removed from my TransUnion credit report. This false information is not only damaging to my creditworthiness but also reflects inaccurately on my financial standing. I am concerned about the potential negative impacts this misinformation may have on my ability to secure loans, housing, and other vital financial opportunities. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion conduct a thorough investigation into this matter and correct the inaccuracies on my credit report. Please provide me with a detailed account of the steps taken during the investigation and the results thereof. 

Enclosed with this letter are copies of documents that verify I appreciate your attention to this matter and your assistance in rectifying this situation promptly. I eagerly await your response within the 30-day time frame as mandated by FCRA. 

Thank you for your prompt attention to this matter.

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 2023-08-19 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: FL

Complaint narrative:
According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out. 

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint : 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 non-monetary relief
Consumer complaint received 2023-08-18 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: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested I demand the negative accounts be removed from my account. 

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 2023-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention the recent resolution of a matter regarding my mortgage account with Carrington Mortgage. I believe that the circumstances warrant a request for the removal of late payment entries from my credit report. 

I want to express my gratitude for the opportunity to address a temporary financial setback that led to some late payments on my mortgage account with Carrington Mortgage. I am pleased to inform you that I have successfully brought my mortgage payments current, and all outstanding amounts have been settled. 

Given this successful resolution, I kindly request your assistance in facilitating the removal of the late payment notations that were reported to the credit bureaus during the period when I was catching up on my payments. I understand that these late payments may have had a negative impact on my credit history, and I am eager to restore the accuracy of my credit report to reflect my current financial status. 

I have been a responsible homeowner and borrower for [ number of years ] and have consistently met my financial obligations. The recent setback was an anomaly, and I am committed to maintaining a positive payment history going forward. 

I have attached documentation that supports my claim of having brought my mortgage account up to date. This includes evidence of recent payments made to Carrington Mortgage, as well as communication acknowledging the resolution of the past due amount. 

I am hopeful that the Consumer Financial Protection Bureau, with its dedication to ensuring fair treatment for consumers, will be able to assist in this matter. I understand the importance of accurate credit reporting, and I believe that the removal of these late payment notations would better reflect my current financial responsibility. 

Thank you for taking the time to consider my request. I would greatly appreciate any assistance or guidance you can provide to facilitate the removal of the late payment entries from my credit report. Please feel free to contact me at XXXX if you require any additional information or documentation. 

I look forward to a favorable resolution and appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I put in a dispute for the inaccurate information that early warning has on my report and they told me specifically that they cant show me proof that the information they have submitted is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My purse and wallet was stolen on XX/XX/XXXX. I immediately reported it to the bank and got new debit and credit cards. On XX/XX/XXXX the bank let someone withdraw money using my stolen drivers license from a bank drive thru line. XXXX dollars was withdrawn. I have been given a temporary credit for this amount. They gave the person my account number for my checking account with the withdraw based upon my drivers license and some other card from my wallet. Later that day they let someone cash a check against my bank account and withdraw XXXX. The signature on the back of the check does not look like my signature. The check then bounced and the bank deducted the money from my checking account. Bank of America has refused to give me a temporary credit for this amount. I was also in XXXX XXXX at the time using my debit and credit card from Bank of America. I also filed a police report on XX/XX/XXXX when my purse was stolen. I have three different case numbers from Bank of America because my claim was misfiled the first time. 
XXXX, XXXX XXXX. I have reached out to the bank multiple times with very little response. I have opened a new checking account and have a fraud alert in my previous checking account.

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 2023-08-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX account # XXXX In accordance with the law, I sent the attached letter to creditors in order to confirm the debt my credit report say I owe. They were unable to verify this debt they say I allegedly open. Since the alleged creditor were unable to verify your credit bureau could not have verified this item. 
Im asking that you remove all references to this account from my credit report within thirty ( 30 ) days Sincerely XXXX XXXX Also here is a video of the copy of letter I sent certified mail.

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 2023-08-18 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: CA

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP
State: MO

Complaint narrative:
I purchased a XXXX XXXX in XX/XX/XXXX which was supposed to allow me to travel from XXXX XXXX until XX/XX/XXXX. I could not schedule until XX/XX/XXXX. When I tried, I could not schedule anything without paying more or the place I wanted to travel to was not allowing me to use the XXXX XXXX. 

Although I was aware of blackout dates, this was not what I expected. I tired reaching frontier via every mode listed : phone, email, and the chats. Nothing led me to be able to request a refund vi electronically or discuss anything with a live person. Even the phone number was bogus : XXXX. 

After several times I reached out to US Bank who gave me a provisional amount. It was rescinded XX/XX/XXXX, because I failed to return the completed US forms which I was unaware of. After sending them back on XXXX XX/XX/XXXX they refused to reopen the case. 

Their reasoning " It was the same information. '' I continued to call and visited a branch because I'd sent in the docs and a picture showing I have no points and have not used XXXX XXXX. 

Finally, XXXX XX/XX/XXXX they reopened the case. Yet today they have recharged me again. When I called, according to the US rep I talked to, there is no one handling my case. I could only leave a message. 
Today I uploaded the original docs sent to US Bank and the current pictures from my portal on Frontier. As you will see, I have no miles and no ability to use a XXXX XXXX XXXX. 

This is a business card and I have had to take a plan and XXXX trains recently because of this dilemma. I can not use it to XXXX for my XXXX-class reunion XX/XX/XXXX and return on XX/XX/XXXX. I was supposed to be able to travel nationally and internationally. 

I am disappointed in US Bank because regardless of if my bill is {$1.00} or thousands, I pay it monthly. I do not believe anyone truly invested and they are pushing paper and going by ads or whatever they think without justification. I have nothing for my money.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX and XXXX all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.

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