vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC
State: GA

Complaint narrative:
XXXX employed XXXX XXXX XXXX to illegally and unlawfully seize Trust property right out of their garage. When we attempted to resolve dispute with XXXX, we were told to contact repo company. When we contacted repo company, we were told to contact XXXX. We tried to remedy the situation, and the company refused to act and has caused adverse harm to the beneficiaries by seizing their essential consumer goods personal private automobile. The Trust has equitable ownership by XXXX and XXXX has no evidence of contract with any party. They are complicit in trespass, harm and stolen property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
A credit card was added to my report that I never signed the contract for via Barclays Bank in Delaware. Ive never been to Delaware in my life and I never signed for this card. Im XXXX and I couldnt even apply for this card to begin with

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank-of-America-Statement-Received-XXXX XXXX XXXX XXXX 

Bank of America ( BoA ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at XXXX. 
See comments from the BOA Call I made on XX/XX/XXXX. 
Also, please let XXXX credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone 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 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I went to use my Lowes credit card and found it had been closed by Synchrony Bank without any notice. They said they sent a letter to me but I have not received any such letter. I was told they closed it because of lack of real estate information on my credit report, balances on my XXXX cards high even though I am paying my cards on time. I have bought and sold real estate the past XXXX  years and I dont know why it isnt reported on my credit report. I own a home that does not have a mortgage on it. Based on the Credit Card Act of 2009, Synchrony Bank did not give me XXXX  days notice of closure of my account. Can you help me please? 

Thank you! 
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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im currently moving and Im having an issue with my rental score, I was told I had XXXX factors on my rental score that was affecting it that was paid off XXXX years ago. I was told that I had to submit the documentation and that it would be taken off. I have been calling every day. No one is giving me any information. Everyone is keep saying the same repetitive issue when Ive asked to speak to someone higher up they have a supervisor call me in the supervisor helps me the same issue. I have made it very clear that I moved out my home XXXX weeks ago. Im currently homeless. This is affecting me finding somewhere to live and no one seems to care, everyone gets quiet on the phone and still repeats the same information Ive asked how can I dispute something with Trans Union? No one wanted to give me that information just kept telling me that I would receive a call from supervisor within XXXX hours

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank-of-America-Statement-Received-XXXX XXXX XXXX XXXX 

Bank of America ( BoA ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at XXXX. 
See comments from the BOA Call I made on XX/XX/XXXX. 
Also, please let XXXX credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : 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 2024-04-03 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: LEXISNEXIS
State: WI

Complaint narrative:
I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a loan to Wells Fargo Bank on XX/XX/year> for XXXX XXXX dollars and I did not understand the interest well because my XXXX is not very fluent and I came to realize that the interest is 17.74 % Monthly with APR In other words, everything is being paid with interest and not with capital. I spoke with the bank and told them if I could refinance now and they told me no.

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 2024-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have a assumable loan that I am looking to transfer to my daughter and her husband. We have submitted all required documentation more than once. We almost never hear from anyone form New Rex and when we do they promise it will be any day not that the transfer will take place. 

My daughter and her husband have corresponded with someone that tells them it will be soon, but XXXX  months now. Calls are not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and ABSOLUTELY DID NOT open these accounts. I kindly ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Attached is my Federal Trade Commissions identity theft affidavit. Please remove these items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : 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 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and ABSOLUTELY DID NOT open these accounts. I kindly ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Attached is my Federal Trade Commissions identity theft affidavit. Please remove these items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
They hired me to work for their company and gave me and advance on commissions. When I couldn't perform well enough they fired me and I couldn't pay back the advance. They sent me a letter that had three lies in it. First they said they were going to file a complaint against my FINRA license. ONLY CUSTOMERS can file complaints with FINRA. So they threatened my license and they had no right to do that. Second, they threatened me that they were going to contact my bank to get all my information and take money out of my account. However, I saw that unless they have filed a lawsuit they are not allowed to threaten that. Third, they sent me an email to my address with my employer which is a monitored email which put me at risk for adverse action. 

I have attached a copy of the letter they sent to me admitting they were going to try to damage my license with FINRA when they are not allowed to complain to FINRA because they are not a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I deposited money into an ATM machine at a local Fifth Third bank and the machine ate my money and stated to call support. The machine then printed out a time and error code of when the incident occurred. I called the dispute department and they only refunded half the money I deposited ( {$110.00} ). I requested video footage of me making the deposit and now they are stating they can not pull it up and that the balance of the ATM is good so am I suppose to take the lost? I stated check the video, that's all I am asking and you can see that I deposited more than the credit they gave me. I gave them the exact date and time of the incident and the disputes department still stated sorry cant help you, balance is good. But they will reopen the case. 

A month goes by I did not hear anything so I decided to give them a call. The disputes department then stated sorry your request has been denied due to that the balance was good. I asked that did they see video footage? and they said no, balance was good. This is agitating, ATM has a camera looking straight at me and they can not review it? Representative name XXXX from the Fifth Third disputes department kept repeating balance is good and that I can not do anything. But he will reopen the case for the third time?! what difference does it make if no one wants to review camera footage? 

Yes, I know the amount of money I lost is not big but the customer service is horrible so I want to escalate it. 

I then went into the branch on XXXX XXXX XXXX, XXXX XXXX IL and even the branch manager stated " oh this happens all the time with that ATM machine, its run by a third party service so we do not have access to the cameras '' When I heard this I stated well shouldn't you check the third party service then? who has access to the footage? whoever has access to the camera that is glued on the ATM machine should see everything that happen on the date and time I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Companies ran my credit report and created negative inquiries. I didn't authorize these companies to run my credit and it is fraud.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Companies ran my credit report and created negative inquiries. I didn't authorize these companies to run my credit and it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Creditacpt Account # XXXX Balance XXXX Date open XX/XX/2017 Pursuant to 18 USC 8, I owe no debt this company is violating my consumer rite to privacy pursuant to 15 USC 1681b 15 USC 1681 4 company has also no permission to report anything using my information 15 USC 1692g Validation of debt 15 USC 1692e False or misleading representation 15 USC 1692i Legal action by debt collection 15 USC A 2 a I late payment 15 USC 1692j a b furnishings certain deceptive form Rule 1002 Requirements of the original

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I got a missed call from Atlantic Recovery Solutions LLC at XXXX on XXXX XX/XX/XXXX. I called them back at XXXX same day to see what they were calling about. It was a debt collection agency calling about my cousin. I told them I am his cousin and not the person they are seeking. They asked to send their contact info to my cousin and I told them I have no contact with him. They requested to send my contact info to my parents who would I said no out of respect for his privacy. They then said " well then you're gon na keep getting calls '' and basically hung up after that. I attempted to call back to tell them I am on the National Do Not Call Registry and that you would be violating my rights if they did that and they refused to listen, repeated what I had to do to not get calls and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OK

Complaint narrative:
The company responded to my previous complaint filed through the CFPB, informing me that my application in Section 5 of the form, lacked the CAO 's Title. That was corrected and I resubmitted my application for the 6th time on 3/28/2024. Today the company denied my application for the 6th time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a notice that I needed to provide information to lift a restriction on my account and was informed that after more than XXXX  years of business with Chase, my account has been closed without prior notice and I will not be allowed to open a new one. They had clarified that it was NOT due to fraud, but their only reason for closing my account is that they " can not maintain the account anymore. '' I use this account to pay all of my bills and they have provided absolutely NO prior communication regarding my account. I always maintain a balance and have never engaged in any fraudulent activities. This is a terrible way to treat their long term customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MO

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MO

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

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