vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CO

Complaint narrative:
Subject : Formal Report Against KeyBank for Unauthorized Charges and Overdraft Issues Description of the Incident : Unauthorized WordPress Charges : Date : Over the past three years.

Description : I've been subjected to unauthorized charges related to a XXXX account. Despite monitoring, these charges continued without my consent. The account status misleadingly indicated " no payment has been added. '' XXXX 's ABU Service & Overdraft Protection : Date : Opted out in 2020.

Description : I was aware of MasterCard 's Automatic Billing Updater ( ABU ) service and its implications. To safeguard myself, I deliberately opted out of KeyBank 's Overdraft Protection. Contrary to my directive, KeyBank continued to authorize and pay overdrafts, resulting in numerous service charges.

Legal Protections & Violations : Relevance : The unauthorized WordPress charges, the implications of MasterCard 's ABU service, and KeyBank 's disregard for my overdraft preferences appear to violate the Colorado Consumer Protection Act ( CCPA ). This Act prohibits deceptive practices, which in this scenario, pertains to the unauthorized charges and KeyBank 's failure to respect my overdraft choices.

Potential NACHA Violations : Description : The continuous unauthorized electronic transactions might breach NACHA rules, which could lead to substantial fines. I have provided digital evidence of these unauthorized transactions.

Website Glitch : Description : I noticed an inconsistency on KeyBank 's dashboard. When accessing my business banking details, it displays information related to a personal account, raising concerns about the platform 's reliability.

Attempts to Resolve : Description : I have reached out to KeyBank on five separate occasions to address and resolve these issues. Despite my persistent efforts, KeyBank has failed to provide adequate assistance or a satisfactory resolution.

Request for Action : I urge KeyBank to initiate a comprehensive investigation into these matters. I believe I'm entitled to a reversal of the service charges incurred due to the unauthorized XXXX transactions and the bank 's failure to adhere to my overdraft preferences. 

Impact : This situation has profoundly affected my business operations and personal finances. I anticipate a prompt resolution and appreciate your cooperation. 

Thank you, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had purchased a couch and financed it with 0 % interest if paid in full in 12 months in early XXXX. I received a call from a credit card company a week later that stated this was the credit line that had to be opened in order to pay off the financed couch ( their XXXX was not the best and may have misunderstood my request ), so I opened the credit line. 

I come to find out about a week later this was not the credit bureau that was used to finance the couch when I received another credit card in the mail, but just another credit company with an XXXX XXXX store credit card. Now I have two credit cards that were just recently opened : one that is used to finance the couch and one that misled me and caused me to open up a credit card that I didn't want, and never will use.

This has caused a ding to my credit score that I was not wanting just as I am looking to purchase my first home in the coming months. Whether they intentionally misled me or not, I believe someone with limited capability of explaining the credit situation should not have the authority to authorize an opening of a credit line in someone's name. 

I filed a complaint with multiple credit agencies to try and get this expunged, but nothing was done. It updated the credit report, but they have not deleted this credit line. I will be seeking assistance from Synchrony Bank ( the credit company that opened the line of credit ), but assume they will not do anything.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Complaint 1 : Advertising and marketing, including promotional offers ( misleading advertising ) On XX/XX/XXXX, I had a hard pull on my credit with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your credit score, plus no credit score required to apply. This is definitely misleading and inaccurate as it ended up being a hard pull and my score dropped by 3 points as a result. Please review the two copies Ive included and complete the necessary investigation, and correct my score based on Capital Ones claim no impact to your credit score.

Complaint 2 : Problem with credit report and credit score The Capital Ones SavorOne credit card was recognized by XXXX, XXXX, and third party XXXX XXXX on XX/XX/XXXX with {$10000.00} available credit added to my credit amount line on Credit Karma. However, the XXXX XXXX XXXX credit card is no longer on the XXXX XXXX 's app after XX/XX/XXXX due to it being removed from XXXX. This may be due to my date of birth being incorrect, per the Capital One agent I spoke to. 
As of XX/XX/XXXX, Capital One has corrected my birth date and has updated my XXXX credit card account in their system. 


What I have done to resolve the issue : I have contacted Capital One about the above issue and their wasn't any satisfactory resolution offered and their reason was very misleading to and with XXXX Ones pre-approved refer a friend program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check of {$3400.00} into my chase account on XX/XX/23 but then suspended my account on XX/XX/23. XXXX did this without notifying me or trying to resolve it. Now my check is still on hold in my closed account and I cant get it because chase cant verify the maker of the check even though all the information is on the check. I even gave them other numbers associated with the company but none of the numbers register in chases system. I was also trying to inform chase that the check is under my maiden name and I have documentation to prove that. They were very rude on the phone and refused to help. Made me feel like a criminal. Its XX/XX/23, over a month and XXXX is still holding it. I need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
in accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
- on XX/XX/2023, TD bank sent a letter stating that they do not have an inquiry as the BOFD from XXXX  of funds improperly withdrawn from my XXXX personal Account. 
- on XX/XX/2023 received a letter from XXXX stating that they have sent two requests to receive the funds back.- ( please see the last two pages of the document as proof of letters sent to TD bank ) SEE ATTACHED NOT A DUPLICATE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are inquiries on my report that I do not recognize and did not authorize. 

XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2023-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are inquiries on my report that I do not recognize and did not authorize. 

XXXX - XXXXXXXX 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 2023-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information listed on my credit file. checking my file ive noticed alot of information that is listed illegally an fraudulent reporting to my credit report. this has been an issue that ive addressed an needs to be fixed asap. please review an remove the listed items to help clear my credit asap.

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 2023-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I keep getting calls from a XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I do not owe any money. I have asked that the efforts to collect on debt paid until ID fraud occurred be stayed, until after the case XXXX is finished, but I keep getting calls. This is a XXXX debt for XXXX that I paid, and someone added XXXX, XXXX, XXXX, XXXX and now are adding more, without promissory notes. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opend a Citibank checking account on XXXX XXXX. I told them i needed the account to do transfer for my daughter 's education. the account was opened, and i received my debit card a week thereafter. Once i had my debit card, i transfer in XXXX XXXX from my savings account at another institution. I waited a few days to make sure everything was okay given i was a new customer. 2-3 days later i did a wire transfer to my daughter 's account in XXXX  for her education expenses. Everything looked fine but the next day my account was fronze- i couldn't access it. I called the help line and they told me " there system '' froze my account and was sending me a letter that will help me unlock my account. that was on XX/XX/XXXX. i called XXXX weeks later telling Citi i still hadn't receive this letter. the were unresponsive and wouldn't even confirm my account balance. I had to call back 10 more times to speak with a manager who said the same thing - " the systems says you need a letter with a reference code ; sorry can't help you. '' After now calling some XXXX times, on XX/XX/XXXX finally they said they would resend me a letter, even though there customer commitment is XXXX days. to date, NO ONE has confirmed my money is fine and always tell me the system, the system. this has cost me nearly XXXX XXXX  for late fees for my daughter 's tution let alone left me very scare of citi who is supposed to be a XXXX but seems like know one knows what's going on or can help me even though i've done exactly what they've told me. to date, i still do not have this letter and they have my XXXX and don't seem to care.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: GA

Complaint narrative:
There are three public records that range from XXXX to XXXX the Company Lexus nexus is providing for a credit reporting agency. The company says that they contacted me about the situation and they have not. They are saying they got with XXXX Bankruptcy Court on the issue and they did not, the court said they are not responsible for the the information on my report and if there is an issue, the issue should be addressed through court with a motion if the public records are disputed as in accurate. My letter from them states they provided no information to be reported by credit agencies and lexis nexus is saying they did. So I ask that Lexis nexis validate the information they are providing to the reporting agencies and send me the information the court actually provided for them instead of looking at public records as they want be corrected until a motion is filed, per the letter attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. This account has not been properly verified. 



XXXX credit bureau DELETE THIS ACCOUNT because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please DELETE this account XXXX  XXXX XXXX from my report immediately for failing to comply with FCRA. 
THANK YOU FOR YOU TIME

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 2023-10-24 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: M&T BANK CORPORATION
State: AL

Complaint narrative:
I did not authorize XXXX XXXX to go and do inquiries on 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 explanation
Consumer complaint received 2023-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I did not authorize XXXX XXXX to go and do inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XXXX I was denied for a credit card for no real reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
For the past 2 weeks I called Costco Citi business credit card 10 times. Each call was 40minutes long. The fraud department constantly calls if someone opened a new card under my business name. I selected yes through text messages and phone calls. Each time we are making purchases at Costco hence Costco Citi credit card. It declines even with monies within our limit. After my frustration and bad customer service I requested to speak with the supervisor since I called so many time that my cell phone to send a clarifying text message was over used. I needed to go to my place of business to answer my the phone. Otherwise they would have to send a letter with directions on what to do next. This would disrupt my business as I need to make purchase for my business. Every call I made with with assistance with no prevail. Each time the agent would have to patch me to a supervisor and he or she would then tell me i would have no more problems. Today XX/XX/2023 they called my store, called my cell phone and texted messaged me twice today. I dont understand why this keeps happening. I wasn't rude to any of agents. I did express my frustration and confirmed if anything i could do, but at this point I do feel this was intentional. All I wanted was to have a good service with zero hick ups on my purchase. I spend about $ XXXX a week! On business purchases!

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 2023-10-24 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
A charge of {$770.00} was made on XX/XX/2023 to XXXX XXXX # XXXX and posted to my Bank of America credit card on XX/XX/2023. I did not make this charge and I have never been a XXXX XXXX before in my life. I was notified of this because Bank of America contacted me regarding other fraudulent charges that were being made. I disputed this charge but was denied because they said the charge was made in the store even though I was in possession of the card. As I said, I have never been to a XXXX XXXX and I didn't make this charge. I then re-disputed the charge and was denied again.

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