vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking and a money market account ( MMA ) with Fifth Third Bank online on XX/XX/2023 and set up a link of these accounts with an account my XXXX  and I have at XXXX XXXX. After the link was confirmed, I initiated within my login at Fifth Third two ACH transfers from XXXX, one for {$10.00} into the checking account at Fifth Third and another for {$25000.00} into the XXXX at Fifth Third. The {$10.00} deposit was processed successfully on XX/XX/XXXX and there is no issue with it. However, Fifth Third never deposited the XXXX  XXXX transfer into my XXXX at Firth Third, even though they had debited the amount from our XXXX account on XXXX XXXX, XXXX. Furthermore, they locked my accounts such that I could not login to access my accounts. Subsequently, Fifth Third sent a letter to me threatening to close my accounts and report to credit bureaus such that other institutions may not do business with me in the future. I called Fifth Third and went to their local branch twice and spoke with the assistant branch manager. They kept telling me to ask XXXX XXXX  to file a claim to get my money back, even after I had both the 53rd manager and a manger at XXXX speak to each other on the phone directly. 

The fault is 100 % Fifth Third 's because they had my funds and there was absolutely no reason for them not to deposit my funds into my account. However as of today ( XX/XX/2023 ), the issue persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: NJ

Complaint narrative:
On XX/XX/2023, I mobile deposited a check for {$8000.00} ( to Keybank bc I currently live in NJ and dont have a branch close to me ) that I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after completing an XXXX XXXX XXXX. This check was put under review on XX/XX/2023. I called KeyBank because I was unable to access ANY of my accounts with them and they said it was due to potential fraudulent activity ( the check ). For WEEKS I could not access any of my money, even after going to a branch XXXX WEEKS later and trying to resolve the issue, no one could seem to help me. Eventually I received letters in the mail ( after contacting Keybank on multiple occasions to check the status of the check ) stating that ALL of my accounts were being closed due to not following their policies. I called after receiving those letters and they told me they were sent out my mistake. No more than a XXXX weeks later I received checks in the mail with the remaining money from my accounts being CLOSED. They closed my accounts and sent me checks in the mail for my remaining balances, however they failed to send anything regarding the {$8000.00} check. After numerous phone calls, they initially told me that the funds were released and I would be able to take the check to my new bank and have it deposited ( since it was initially a mobile deposit I still had the check in my possession ) this sounded off to me but I did it anyway. A day later the check was rejected due to duplicate presentment ( obviously ). I then called Keybank again and they apologized for the inconvenience and told me they issued a new check for that amount that would be sent to my NJ address and I should receive it by XX/XX/XXXX. This check is still nowhere to be found. So I called again.. this time they informed me that the check was actually considered fraudulent and I would have to contact the place that issued me the check to get it resolved. I called XXXX XXXX XXXX that same day and they got back to me no later than a day stating that the check had in fact been cashed by KeyBank. I am at a loss of what to do moving forward.. this is a size-able amount of money being kept from me for whatever reason. 

I have emails from a lady i was working with at a branch proving all of this. As she was in contact with people from the fraud department as well trying to help me resolve this. 

Attaching emails

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed that my cash app $ XXXX was closed it took cash app weeks to provide a reason why. I didn't do anything wrong I was having XXXX and family and friends was helping me and they closed the cash app. They only responded to me because I reported it to the cfpb after waiting weeks for them to respond. I created a new cash app $ XXXX on XX/XX/XXXX I noticed that cash app was closed and they are giving the same bogus reason. I don't do anything wrong my birthday was XX/XX/XXXX so I received cash apps and I guess they don't like the fact a XXXX XXXX  can have money coming in so they closed it. At this point I feel like I'm being discriminated against they closed my 2nd cash app within months of each other for no reason. Today is XXXX and I have asked Cash App for an answer I've called the customer service and those foreigners are rude and hung up in my face I felt so disrespected. I'm a law abiding citizen I don't do anything wrong and they close my cash app. I use cash app to send my family and friends funds and also they send me things. Doing this for a second time and not wanting to tell me why is absolutely wrong. I want to sue them for discrimination at this point. I don't know if it's Square or cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: Nelnet, Inc.
State: GA

Complaint narrative:
Can you please delete the follow late payments on the following accounts XXXX XXXX XXXX Account XXXX as this late payment was in error. 

XXXX XXXX XXXX with late payments in XXXX & XXXX 2018 as this account was closed. 

DEPT OF EDUCATION/NELNET with late payment in XXXX of 2018 as this account was deferred and late payment should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Can you please delete the follow late payments on the following accounts XXXX XXXX XXXX Account XXXX as this late payment was in error. 

BANK OF AMERICA with late payments in XXXX & XX/XX/2018 as this account was closed. 

DEPT OF EDUCATIONXXXX XXXX XXXX payment in XXXX of 2018 as this account was deferred and late payment should not have been charged.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023 at XXXX EST, I received an email that a Bank of America account was opened in my name. Ive never a customer of Bank of America. The account was called an XXXX XXXX XXXX. The email address that sent the account information was a genuine Bank of America email address. The account has been closed.

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 2023-11-10 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, at approximately XXXX XXXX, I received a call from an individual. He conveyed to me that I held a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. He advised me to contact the corporate finance office for the timeshare., In the ensuing days, I engaged with various individuals and entities, including the finance department . To alleviate my skepticism, provided a grantor letter and advised me of the time sensitivity of the offer, stating that waiting until a later date would entail an additional XXXX fee for account reactivation. 

On XXXX XXXX, I went to Chase Bank to wire the funds as directed to a source I believed was true. I began to wonder if it was a Scame or not at this point. So I sent Chase a request to reverse the transaction on XX/XX/2023. On XX/XX/2023, I received a notice from Chase saying they were going to look into the matter further and reverse the transaction. On XX/XX/2023, I received another letter from Chase denying the reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement. 
( 5 ) A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # 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 2023-11-10 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: TX

Complaint narrative:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # 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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Let me be really clear at this point, I will not tolerate being discriminated against by you for being from the XXXX XXXX, you provided false information to a complaint raised to the CPFB a federal agency. 

Your last response to the CFPB, stated very clearly in writing, a lie. You wrote in your response that I was told if I had not completed a tax return, I should call you. This is blatantly untrue. 

The email is attached, the email says that if for any reason I am unable to complete the form, I should contact you, to be clear, there is no reason I could not complete the form, so I signed it and sent it back to you, I did then contact discover, who explained to me how to fill out the form. 

The Equal Credit Opportunity act requires you to not discriminate based on national origin, I did not know what this form is, nor what information the IRS holds about me, since I'm not from the XXXX XXXX. Failing to provide information on this, or an alternative means that you violated this law. 

To be clear, this is a blatent violation of Federal Law. You will not be allowed to get away with this, DO THE RIGHT THING AND RESOLVE IT. This isnt about some corporate power struggle, you have ruined my credit score, on purpose, because of my national origin. Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I refinanced my student loans back in XX/XX/2023. I had 3 separate loans, each totaling about XXXX each for a total of XXXX. The one loan in question is actually 6 loans totaling XXXX, the servicer is EdFinancial. 

Both other loan servicers I have no issues with as they have correctly cleared my balance/etc, but EdFinancial, has not. 

Along with wait times approaching 2 hours to get onto their customer service line, I have been unable to get a clear answer as to if the money has been received. My account with them still shows the full amount of the loan, and I have been accruing interest and paying my monthly payments to them since. 

My new provider ( which I have also been paying monthly, and accruing interest with ) has let me know that the check they sent to EdFinancial had cleared XX/XX/XXXX. It has been 3 months, and EdFinancial still hasn't settled my balance, even after I sent them a scan of the check. This has caused me to be double charged interest, and paying double for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-09 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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