vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I have been trying to no avail to have Selene finance address my concerns. They have not applied payments that I made, they have continually refused my payments, all I want is for them to go over my account and fix their errors and take my payments, there is no need for this unless they are trying to foreclose on my home without good reason. I have all the money I believe I owe them but if they don't go over the account or answer my questions I have no alternative but to come to you for help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On Monday XX/XX/2019 at XXXX XXXX four {$250.00} withdrawals were made from my checking account at CapitalOne using XXXX. I have never opened a XXXX account. 
I did not receive any notifications regarding these withdrawals. CapitalOne claims to be working on the problem but it has been two weeks without a resolution. 

My profile on CapitalOne contains a bogus mobile number at which to contact me. I have tried to change that to a valid number but Capitalone 's system will not allow me to. 
CapitalOne has been investigating that for two weeks again with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: B&F Finance Corp.
State: TX

Complaint narrative:
i begin 1 month and the supervisor call me 7 or 9 times a day, i tell i no have money for pay and she call to me reference to tell can i can't pay she send me to court and send text to my reference i can believe she shering everything is confidencial. i call the main corp from the B & F financial and the company not doing nothing and this lady is continue doing. this person is supervisor she is name is XXXX XXXX. And continue let me a paper in my door with information this person she no work with the client, she extorsion   the people : ( : (

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates, llc has been repeatedly attempting to collect on a debt from XXXX XXXX for at least the past year with no proof. All they send for validation is a few card statements. They did not send me anything that shows I am legally required to pay them. Portfolio Recovery has a history of ripping off people, I don't want to be the next victim. I have requested an original contract in its original form. I get nothing but card statements with zero signatures. I do not know of this debt. I have received collection demands dated XX/XX/2019 and XX/XX/2019 with no contract whatsoever. They have been affecting my credit for the past year and I tried my best to get proof from them they do not have. Anyone can make up a billing statement. Show me the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my XXXX 's credit card on XXXX XXXX through Bank of America, the total amount is $ XXXXDuring XXXX, I check my checking account and found this transaction, the description writes : XXXX XXXX . So I went to branch and ask them to check what was the transaction. They told me it was a ATM withdraw, means someone took money from XXXX XXXX  ATM. I then reported Fraud transaction. And on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill.Then I understood, XXXX 's and XXXX XXXX are the samXXXX thing. So I told Bank of America, everything was clear and the transaction had no problem and they closed my claim. but later XXXX 'S put the credit back to my bill and asked me to pay for it. I contacted XXXX 's and told them I already paid the credit during XXXX, and fax them the documents from my Bank of america account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
I contacted Bank of America, I told them the situation and asked them : 1 ) return the money to my account, then I will pay XXXX 's again. or 2 ) find out my money! their response is they didn't get the money back from XXXX XXXX and maybe it was hold in VISA CREDIT CARD CO.I asked them to find out my money, cause I am their customer. They said they can't help with that. 
I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of Bank of America

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: CT

Complaint narrative:
This is regarding CeditKarma.com Over a week ago I received an email notice that an account was created and this was sent to my email address. I did not create this account I contacted support immediately via email, as they have no phone number, and did not hear back. I have tried several times and had no response. I have even contacted via XXXX XXXX. 

I got 2 separate emails today stating that reports had been run and could affect my score. I have done everything I can to resolve this but Credit Karma is not even attempting to make an effort. 

My identity and credit are at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, I was required to open a checking account at First Citizens Bank ( FCB ) as part of the creation of a personal line of credit. Both accounts were set-up for online access and I had no material issues with the accounts or FCB for years. In mid- to late-XX/XX/XXXX, my online access no longer worked so I attempted to reset the password. After several attempts ( required calling customer service as opposed to automated system ), the reset process worked only temporarily. Eventually, the account was closed in late XX/XX/XXXX by the bank due to inactivity after the checking account balance was used to payoff the line of credit earlier that year. I made requests for the checking account statements, which primarily reflect interest income payments, but FCB is charging {$7.00} per monthly statement. That seems to be excessive for what should still be available online and are one page statements at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: I.C. System, Inc.
State: TN

Complaint narrative:
RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to XXXX XXXX and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.

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 2019-04-08 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX 10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX and sent a card in and they confirmed with a certified letter that it was not an authentic XXXX 10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: ID

Complaint narrative:
I was notified by my XXXX monitoring service that an account was opened by Keybank using my social security number. I have never used Keybank and have never opened an account with them. I do not live any where near a branch of Keybank. I contacted Keybank in XX/XX/2019 to find out who, why and what type of acct was opened using my social security number. 

Keybank would only confirm that an acct of some type was opened in XXXX, Oregon at the XXXX and XXXX Branch with my social security number but not my name. I then contacted XXXX the branch manager in XXXX. She did confirm that they had opened some type of acct for a known customer with my social security number. It took several days for this client to come in and provided their correct social security number. 

XXXX reassured me that this was a mistake and that it was corrected. She would provided no information about what type of acct was opened. She reassured me that the bank legal department would send me a letter in writing clarifying that they removed my social security number from the acct and would no longer use my number on further accts. XXXX stated it was just a " mistake '' not fraud. This discussion took place in XXXX and I waited until XXXX thinking a letter would be arriving in the mail. 

No letter and no further contact by Keybank was made. I contacted the branch manager again on XX/XX/19 and she told me she called the executive legal department and that they would be calling me by the end of the week. She stat that she herself would also call me on Friday, XX/XX/19, to make sure the legal dept had made contact. As of today, XX/XX/19, I have not heard from Keybank or from XXXX the branch manager. 

Over the weekend I did post on Keybanks XXXX " visitor post '' my story. I did receive a post back saying they would " look into this for you. We'll let you know as soon as we have any updates. '' However, I still have had no contact from the legal department, XXXX or Keybank representative. Today I finally contacted the FTC and they gave me the phone number for CFPB so that I could file this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is for Maryland. 

My wife and I originally purchased our home in XX/XX/XXXX and in XX/XX/XXXX we did a refinance with Bank of America. We signed a Deed of Trust in XX/XX/XXXX and the Lien was recorded with the county in XX/XX/XXXX. However, BoA messed something up with the paperwork and we had to re-sign an updated Deed of Trust in XX/XX/XXXX which was for {$770.00} less than the XX/XX/XXXX paperwork and was just reflecting the updated amount of the loan and was NOT a new lien. That Deed of Trust was recorded by the county in XX/XX/XXXX. The loan was then sold to XXXX in XX/XX/XXXX and we continued to make all payments until XX/XX/XXXXwhen we re-financed again. We got a Lien Release from XXXX in the mail as expected and didnt have any concerns. 


Now, we have a sales contract on the house and in the course of the Title Search, the lien from XX/XX/XXXX is coming up as unreleased. I didnt think it would be a problem since I have all the paperwork and so I contacted Bank of America and sent a copy of the XX/XX/XXXX Deed of Trust and explained that the XX/XX/XXXX lien was still open and it needed to be closed since it was in error. 
Since then I feel like I have gotten nothing but a run-around and conflicting information every time I call. I even went into my local BoA branch last week and had the branch manager help me escalate with the Lien Release department and now when I called today for an update Im getting completely new and different information than what I was told on Friday with a BoA person on the phone with me. BoA is claiming they have no record of the XX/XX/XXXX Deed of Trust and therefore cant help me and I should contact XXXX  ( now know as XXXX XXXX ). So I called Nationstar and they confirm that they only received paperwork on a Deed of Trust dated XX/XX/XXXX and that they properly released it when we paid off the loan in XX/XX/XXXX. So I contacted BoA again and they continue to claim that no Deed exists and if it did exist then it would have been sent to XXXX. 


Its clear to everyone looking at the Deeds of Trust that they were for basically the same amount and the paperwork even has the exact same loan number of it but I cant get anyone who does the Lien Releases to acknowledge that. I was supposed to close on XX/XX/XXXX and that had to be delayed because the title insurance wont sign off with the encumbrance. 

No one seems willing to help and issue the lien release. 

I have attached a title search showing the Deed recorded on XX/XX/XXXX being still open/unreleased and also attaching a copy of the XX/XX/XXXX Deed of Trust that was notarized and submitted to XXXX County Maryland and shows a recorded date of XX/XX/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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
When getting a auto insurance quote they pulled the XXXX . report from Nexis Lexis. Nexis Lexis shows that I have had two auto accidents in the past five years in XXXX. Here is the issue though I have been in XXXX for the past five years and haven't been back in XXXX. As well the truck involved in both of the wrecks is my dads truck and he was the driver in both wrecks. Yet they show the accidents under my reports and his reports. Pulled my DMV record which is clean and offered to send that into Nexis Lexis. They said they will look into the record and dispute the claims but nothing may change and they will don't want me to send my DMV report. They also did not confirm if they actually pull records by the SSN or DL number. As well they do not audit their information or check that they are searching the correct records. Have told them to dispute the findings and they have done nothing on the reports or looked into the matter. This has been going on for four years now and they will not correct. Currently seeking legal action against them for inaccurate reporting against a person, and unwillingness to audit or look into the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CARVANT FINANCIAL LLC
State: PA

Complaint narrative:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX CARVANT FINANCIAL LLC XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: FL

Complaint narrative:
In XXXX I filed for Chapter XXXX Bankruptcy ; I was XXXX in XX/XX/XXXX. I had an Equity Line of Credit with XXXX XXXX XXXX XXXX which was included in the bankruptcy. It is almost 9 years since the filing and this line of credit still shows on my TransUnion credit report. XXXX and XXXX have already removed it from my credit report, as the 7 year window has already passed. I contacted TransUnion in early XX/XX/XXXX ; however they did not remove it and instead they updated the Pay Status field to say >Account Included in Bankrupcy<. I would like TransUnion to remove this account from my credit report since the 7 year window has already passed.

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 2019-04-08 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: Westlake Services, LLC
State: PA

Complaint narrative:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TX

Complaint narrative:
Experian is reporting an account that is over ( 7 ) years old on my credit report. XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act ( F.C.R.A. ).

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 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: CO

Complaint narrative:
I have called XXXX XXXX XXXX and I have notified them that they were included in my Bankruptcy and they are still reporting on my credit report I have tried several times to talk with someone to resolve this issue and I have no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/2016 Reported {$2300.00} Reported as Identity Theft

Company response to consumer: Closed with explanation