vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX, 2022 - A deposit was made to our Fifth Third checking account after XXXX and amount was debited the amount from an account with another bank that evening. At the deposit was made, we were not provided any notice from Fifth Third that the funds would be made available for 10 business days. Being a small business, we have limited funds and Fifth Third place us in bind by sitting on our funds for nearly two weeks. The only response they provided was that it is their policy, which was not disclosed at the time the deposit was made. Account disclosures were requested but not provided. 

XXXX XXXX, 2022 - An attempt was made to wire money to our Fifth Third checking account from an account with XXXX XXXX XXXX All of the information provided by XXXX XXXX XXXX indicated that the wire was remitted and rejected by Fifth Third. Since these funds needed 1-2 days to clear back to the XXXX XXXX XXXXXXXX account and Fifth Third was holding the XXXX XXXX deposit, our small business was forced to suspend payroll and delay vendor payments. Fifth Third indicated it had no record of the wire being rejected. We made three attempts to get clarity from Fifth Third and provided no information. 

XXXX XXXX, 2022 - We made another deposit to our Fifth Third checking account in order to pay employees and vendors. Once again, Fifth Third would not release the funds for 10 business days despite immediately debiting the other account that very same day. Unfortunately, we found this was more efficient than transitioning banks. 

XXXX XXXX, 2022 - In response to a phone call from the Fifth Third complaint department, an email was sent to this representative detailing the matters above and additional issues that arose including excessive service charges with no details on the basis of these amounts and no response from our relationship manager. 

XX/XX/2022- Fifth Third had not provided any response and another email was sent in an attempt to garner some update. As it stands, these experiences have consumed numerous hours, resulted in employees having to make arrangement to delay bill payments, cost us various fees and been an emotional burden. Through this all, Fifth Third has done nothing to rectify these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS

Complaint narrative:
Debt appeared on my credit report on XX/XX/2022, in the amount of {$1400.00} and I was not notified to dispute NOR do I have any knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MS

Complaint narrative:
Debt appeared on my credit report on XX/XX/2022, with no notification or knowledge to dispute this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KS

Complaint narrative:
I notified FedLoan Servicing at the beginning of the administrative forbearance NOT to apply the forbearance to any of my loans. They ignored my request and applied it anyway. I was on an IBR plan with low payments and working towards the 20 year forgiveness mark. I requested several times that the administrative forbearance be removed from all of my loans. They eventually removed it from one of the loans, but not the other two. I made several more requests until they finally removed the administrative forbearance from the other two loans. This failure to do as requested has damaged my progress on the IBR plan and forgiveness date by nearly a year. I began making the requests in XX/XX/XXXX ; FedLoan Servicing did not honor my multiple requests until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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: GA

Complaint narrative:
I sent certified letters to the Bureaus on XX/XX/2022 regarding me being a victim of Identity Theft. The Bureaus received the letters, according to the tracking, they received the letter by XX/XX/2022. In the letter I included a police report and an affidavit form asking them to please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. However as of XX/XX/2022 these items are STILL on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. As a victim of identity theft this information should not be in my file.

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've sent off MULTIPLE letters to Equifax about my personal information being incorrect specifically my date of birth and provided them with two forms of ID so they could correct this issue. The first letter I sent off was on XX/XX/2021 and there was never an acknowledgment of receipt or any changes made when I pulled my report. I sent ANOTHER letter on XX/XX/2021 asking them to update my personal information to reflect the most accurate data and there was still no response. I sent off one last letter on XX/XX/2021. It is against the FCRA for them to willfully report inaccurate information on my behalf. The fact that this agency has neglected to demonstrate best practices when it comes to my information, it has caused me to lose faith in this system which is the very reason why the FCRA was created in the first place. I have been denied constantly for credit due to this information listed on my consumer report being inaccurate. I am seeking monetary relief in the amount of { {$4000.00} } for the negligence of this company. Not only have they neglected to update my consumer report, I am a single mother with XXXX XXXX  constantly being denied because there are inaccuracies listed on my consumer report withholding me from being able to properly care for my children and our financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: NY

Complaint narrative:
KEY BANK IS REPORTING THAT THIS ACCOUNT HAS CHECKING ACCOUNT FRAUD WITH NO PROOF IN XXXX XXXX XXXX. 

FINANCIAL INSTITUTION : KEY BANK ABA NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/21 - Received a call from Wells Fargo Bank ( WFB ) The telephone number that showed up on the telephone was the same number that is on the back of the WFB Visa/Debit Card . Caller said someone had gotten into our checking account and was transferring money via XXXX. They said that we were to access account from our computer and follow certain instructions they were giving. including changing our password. Once that was done, " XXXX '' money transfers began. Three immediate transfers of {$700.00}, {$1000.00} and {$1800.00}. When the transfers started, we called WFB from a different phone and explained what was happening. The transfers stopped and our account was closed. 

We then spent at least two ( 2 ) hours on the phone with WFB talking with different individuals ( fraud department? ). We were ultimately instructed to file a claim with the WFB Fraud division, which we did. We had many ( at least 20 ) following discussions with WFB on the phone and in our local Branch. Ultimately WFB denied our claim and refused to tell us where and/or to whom the money was transferred. Instead, WFB told us that in order to find out where and to whom the money was transferred, we would have to file a claim with the local Police and/or the FBI. We tried calling XXXX for more information, but they would not discuss the matter and instead directed us to have any and all conversations with WFB, We ultimately were directed to the " Executive Division '' of the WFB Fraud Department ; and after about a month of discussions, we got nowhere except receipt of another letter of rejection.

We understand that WFB owns XXXX ; and, we further presume that a WFB employee may have been making this fraudulent transfer. We have been regularly banking with WFB for more than 60 years, and would like to get back our stolen {$3500.00}.

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX Chase Bank printed and sent a letter to me, threatening to close my account because of a negative balance. I sent a message to Chase Bank on XX/XX/XXXX regarding those account errors, things I am aware of, and changes I'd like to be made. They addressed a small portion of my letter on XX/XX/XXXX, but disregarded the rest of my letter which was very important. They chose to ignore my request as the consumer, and incur more damages as the days go on, as I don't have my desired results. I exercised my right of rescission pursuant to 15 USC 1635 to increase the credit limit for my open end credit plan. Chase Bank and employee 's have broken Federal Law and they are to be held liable. Pursuant to 15 USC 1640 ( a ) ( 1 ) and 15 USC 1640 ( a ) ( i ) they are liable for any actual damages, and double the finance charge of this consumer credit transaction. I would like Chase Bank to send over my file ( 15 USC 1681a ( g ) ) and/or any and all documentary evidence ( 15 USC 44 ) you have on this account, including the finance charge/sum of all charges 15 USC 1605 ( a ), public, private, verified and unverified, through paper mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I just received a letter from a collector from XXXX with the amount of {$670.00} Reference # XXXX. Dont understand why XXXX didnt contacted me before if they gave all my information until years later after I notified them that I wasnt going to use their service anymore. I dont have a contract with them since it was month to month I dont appreciate the fact that after years without trying to contact me and we me not knowing they sent me with a collector and Ive never been send to collections before since Im a responsible person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
Target closed my account on XX/XX/XXXX. I mailed 2 letters demanding they validate the alleged debt they present to the CRAs. They denied me my federal right. They removed the tradeline from the CRAs on or about XX/XX/XXXX. They violated 15 USC 1692e by falsely and deceptively, misleading the credit reporting agencies, through reports that I owed on an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been disputing these same accounts for XXXX years. I can look at the credit report and see the errors and incorrect information. I will upload all the exhibits here. This company stated that the accounts in question has been verified. I don't believe the accounts were ever verified because if it was they would have seen all of the errors and inaccurate information, the same way I did. This is defamation of character and willful neglect. The damages and stress this company has caused is completely unfair.

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX, I received a promotion ( from SoFi credit card ) through the app for XXXX XXXX apr on balance transfers through a certain date ( past mid XXXX ). I had another card ( discover card ) that the XXXX XXXX was ending in XX/XX/XXXX, and I wasnt able to fully pay it off before the end date of the promotion ( new card ). 

I tried to do the balance transfer through the app, but it didnt go through several times. Eventually, I ended up calling in, and a representative did it for me over the phone. I went over the promotion with her and verified that I would get a year of XXXX XXXX apr from XX/XX/XXXX to XXXX. She confirmed it before executing the transaction. Furthermore, she even recommended not using the card for any other transactions, to keep the promotion active. 

In early XX/XX/XXXX, I received a finance charge of {$71.00}. I called in to find out why, and the rep told me that the interest kicked in. This didnt make any sense to me, because I didnt do a balance transfer and pay XXXX XXXX on the balance, only to be charged XXXX months later for interest. I had other cards I couldve used, but chose this XXXX - and this happened. I complained and asked them to file a work case. 

I called in a week later to find out about it, and the rep told me it was still in progress. I called twice in XXXX and was told the same thing. I just called XXXX minutes ago, only to be told that the case was closed XX/XX/XXXX- not in my favor. What happened to when I called in XXXX? And those XXXX reps I spoke to didnt record the fact that I called ( maybe because they were rude to me ). 

I truly believe the offer changed because I read it and went back to it for around XXXX weeks before I pulled the trigger. Even If I were wrong, their product advertisement was misleading and the initial rep did misrepresent the offer. I wouldnt have done the balance transfer, if I had known. The rep I just got off the phone with assured me theres nothing that he could do. Prior to this transaction, I didnt use the card for months. I didnt move {$5300.00} and pay XXXX XXXX  of that to only get charged more interest than the Discover card. I regret doing that because of this experience. Is there any recourse here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony Bank closed and sold my XXXX XXXX credit card to XXXX XXXX XXXX, XXXX on XX/XX/2020. They never validated the debt. Synchrony Bank is in violation of 18 USC 1028A when on XX/XX/2020, they knowingly committed aggravated identity theft - Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority selling my credit card and location information to XXXX XXXX XXXX, XXXX. I did not give them written permission to transfer my personal information.

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 2022-03-20 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: Credit Plus Inc
State: GA

Complaint narrative:
I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: SC

Complaint narrative:
XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to section XXXX XXXX XXXX XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to XXXX XXXX XXXX XXXX XXXXXXXX of this title, any ( XXXX  ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.

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 2022-03-20 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
NAVY FEDERAL CREDIT UNION is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.

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 2022-03-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.

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