vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: WA

Complaint narrative:
I opened an account with KeyBank in XX/XX/2021. When I opened my account I did not opt in to overdraft protection. This month ( XX/XX/2021 ) I noticed that there had been multiple one-time charges to XXXX ( billed as XXXX ), XXXX, and XXXX  that I did not have sufficient funds for at the time of posting. Instead of denying the charges, KeyBank accepted these charges and assessed three separate {$38.00} overdraft charges to the account.

When I called KeyBank to fix the situation, I was told by a manager that previous information I had gotten was wrong and that KeyBank has no grace period on overdraft fees ( the day these charges had posted I had gone to the branch to deposit enough cash to cover the negative balance and was assured by the teller that by doing so I was avoid any fees ). When I asked why KeyBank did not honor the refusal of overdraft protection, the manager told me that 'misc ' charges do accrue overdraft fees, though this is in clear violation of CFPB guidelines as they were one-time charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: TX

Complaint narrative:
This is a complaint regarding my 2nd mortgage. I have requested to have my mortgage refinance with my current lender. When I had requested the refinance previously I was told they would only subordinate for a refinance to my primary lender and not to another lender. So I am now trying to refinance with my primary lender. However, my primary lender has made the request and been declined. When I called to discuss it with the lender they tell me no request has been made. However, my lender has provided evidence that they have made the request and been speaking with them for some time. This has cost me a lot of additional money as I havent been able to refinance. This process began 4 months ago without my current lender, but the original request was made over a year ago. They have acted in bad faith and poor record keeping by changing reasoning for declining the subordination and not being aware of the subordination requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This debt is not mine! I have disputed it several times with XXXX and they continuously verify it. XXXX XXXX and XXXX have both removed it because it is not mine and there is no possibly way it could be verify because it is identity theft. This is a violation of the FCRA 605b and the FDCPA to continue to report this. This is inhibiting my ability to obtain credit and I have contacted a lawyer and he advised me to do this before we file suit against XXXX. This need to be deleted ASAP, I can not do anything with this one my record I can not get housing, and credit or transportation. 


FAIR COLLECTIONS & OUTSOURCING {$7800.00} opened XX/XX/2016 Delete immediately

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 2021-09-28 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: Financial Data Systems
State: CA

Complaint narrative:
There is a collections amount of {$170.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' Lexis Nexis is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate.

Lexis Nexis has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint narrative:
XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, Experian and 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 2021-09-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Trans Union and XXXX are reporting inaccurate info for the same account on my credit report. 

TransUnion- Balance is XXXX XXXX- Balance is XXXX TransUnion- Payment Status is collection/charge off XXXX- Payment is 120 days late TransUnion- Monthly Payment is XXXX XXXX- Monthly Payments is XXXX TransUnion- Last Date Active- XXXX XXXX- Last Day Active XXXX TransUnion- Date Of Last Payment XXXX XXXX- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent TransUnion and XXXX both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the 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 explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' XXXX XXXX is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate. 

XXXX XXXX has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
fact, I the affiant is aware and have proof that Equifax has and continued to violate my consumer privacy rights. I the affiant observed 35 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/2021 I was notified by XXXX that a checking account and a savings account were fraudulently opened with Huntington Bank using my personal information. 
On XX/XX/XXXX I called Huntington Bank with XXXX and advised them that I am a victim of identity theft and I did not open these accounts nor did I give anyone else permission to do so. I requested that the accounts be closed and was told they would need to conduct an investigation first. 
I submitted a formal dispute of the accounts through XXXX on XX/XX/2021 which included a copy of the police and FTC reports I filed, proof of identity, proof of social security number, and proof of residence. 
I and XXXX have attempted to follow up with Huntington Bank on this matter on multiple occasions over the last two months, and they refuse to provide any updates about the investigation. On my last follow up attempt on XX/XX/2021, I was told that no information could be provided unless I gave my social security number over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GA

Complaint narrative:
I am a victim of Identity Theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of identification. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report, failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a very good credit rating, but I was late on one payment to the Bank of America. I have been a customer for over 30 years and thought with my payment record that they might waive the late fee. I was told that there is a law on the books that they have to treat all customers equal, therefore they could not give me a waiver. So I went on line to see if there is such a law and was not able to find anything regarding this law. I want to know that in fact this is true. Can you please help me with this? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Wa 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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Purchased a phone through XXXX XXXX Phone was paid off in 2020, was still being billed for the insurance on the phone after the phone was paid off. Have tried to resolve this by phone, email and regular mail with XXXXXXXX XXXX Transunion, XXXX, and XXXX. I have a XXXX balance, never owed this insurance and would like it removed from 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 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
Last week I called HSBC Bank and advised that I would be making a high purchase, I advised I would need to get my medications and get a toilet, I advised the purchases were going to be around {$1000.00}. I have two cards. So it could be o n either card. On Monday, XX/XX/2021 I got my medications  with no problem. On XX/XX/2021, I was making purchases on the cards that end in XXXX, and XXXX. I only purchased today roughly {$37.00}. I had not even got my toilet. I went to make another purchase for {$20.00} at the XXXX XXXX and the card was denied. I had to put everything back. I had gone to XXXX XXXX and tried to use my card for {$40.00} and it was declined, Again I had to put everything back. I went to XXXX XXXX and tried to use the other HSBC card for my groceries and the card was denied. I called and the boy said that department was closed. He advised to put the food away and call back in the morning. I only have these two cards. Thanks HSBC. I am current and I am not behind. The one card has a credit line of {$8000.00}. I only have {$1000.00} on it. This is absurd. This is a violation of the antitrust laws. I gave the bank over {$5700.00} in XXXX. This how that treat me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX placed my account in collections. I paid the collection and now the collection is still showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX servicing is reporting debt not owned by me on my experian credit report. Neither XXXX nor Experian will produce the information shared between them. I can not get from either experian or XXXX a copy of XXXX 's response to my dispute. Experian will not tell me what response XXXX provided, similarly, Experian and XXXX have had lawyers look at the alleged note, which specifically says " no personal liability '' and continue to publish false information. 

Please attempt to regulate these people, they dont care what consumers think even if they are lying to others.

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 2021-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently applied for a loan and they stated that my car loan has not been reporting on my Equifax report. I tried calling XXXX and they stated that he has been reporting but I am also not seeing it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Receiving scam emails from someone claiming to be Freedom Debt Relief. I called the real company and told them about the emails I had received and they even said it was a scam. This email claims I owe money and if I do not pay they are taking me to court or I could be arrested by law enforcement or they will take my wages.The phone number on the email to call is XXXX. I replied back to the email asking for proof of debt and of course they couldn't provide anything. Email is coming from XXXX -- -- -- SCAM SCAM SCAM SCAM SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
open XX/XX/XXXX. 
my last payment was in XX/XX/XXXX. 
balance XXXX help me to take this out of my credit I can't pay this credit card because of Covid19 I don't have a job and I have kids to support pls help i have been making payments to city furniture but i can't pay anymore I don't have enough for my monthly basis COVID19 LEFT ME UNEMPLOYED

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 2021-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX card that is indicated on the statement to have a variable interest rate and I inquired as to why the rate hadn't gone down as some of my other cards with a variable interest rate had. Even though the account is currently closed, at no point has the rate ever changed so I wanted to know why. An account manager said even though the statement shows it's variable the rate is actually fixed. Well I think that is very misleading and contrary to the information provided right in the statement.

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 2021-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX, I took a screenshot of my total loan balance of {$43000.00} shown on my Fedloan Servicing phone app. The interest balance is {$0.00}. 

On XX/XX/XXXX, I logged into my account at Fedloan Servicing 's website ( https : //myfedloan.org/ ) and printed out a Loan Verification letter where shows a list of loans and their balances totaled {$43000.00}, which matched the total balance found on XX/XX/XXXX ( mentioned above ). 

On XX/XX/XXXX, I logged into my Fedloan app and found a total balance of {$43000.00} which does not match the balance above. 

I did not make any payment since XX/XX/XXXX ; all loans were on forbearance due to Covid-19 and the interest rate has been 0 since XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service. XXXX ( employee # XXXX ) answered the phone and stated that she saw the current balance of {$43000.00} and did not know why I saw a different balance before. I showed her the printout letter on XX/XX/XXXX and the screenshot on XX/XX/XXXX. She was still not sure what happened. She stated that the loan balance should remain the same due to Covid-19 Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate info for the same account on my credit report. 

XXXX- Balance is XXXX Equifax- Balance is XXXX XXXX- Payment Status is collection/charge off Equifax- Payment is 120 days late XXXX- Monthly Payment is XXXX Equifax- Monthly Payments is XXXX XXXX- Last Date Active- XXXX Equifax- Last Day Active XXXX XXXX- Date Of Last Payment XXXX Equifax- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent XXXX and Equifax both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account

Company response to consumer: Closed with explanation