vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: WA

Complaint narrative:
My brother passed away on XX/XX/2022 without a will. I have been appointed Administrator of his Estate. I found a Key Bank debit card and took it to a local branch in XXXX, WA. I was informed there was no account attached to this card and it was issued by WA State XXXX XXXX  and I should contact Unemployment which I did. The agent also said I should contact the Customer Service number on the back of the debit card. I went to the local XXXX office and they said it didnt have anything to do with them. 

I called the Customer Service number 4 times and spent a total of 6.5 hours waiting to talk to someone which didnt happen. I went back to Key Bank 2 more times and tried talking to a manager, with an appointment but was skunked. They said the same thing, I had to talk to customer service. 

At one point, I was able to find out the funds on this card but it expired at the end of XXXX. My partner called a number he found and talked to a Key Bank agent in New York that told him no one was answering the Customer Service number any longer and I found out Employment Security doesnt use Key Bank any longer for the debit cards. 

I have talked to XXXX XXXX close to a dozen times. I was given an email address a couple of days ago by an agent to again try to contact Key Bank to resolve this issue but the outcome is unknown. A Key Bank agent from XXXX OH called me a week ago to tell me a Regulator would be contacting me as I filed a complaint with Key Bank but I havent heard from them. Key Bank is negligent, I believe in this matter and I am filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2022, there were unauthorized transaction in our RBFCU XXXX Checking account for the amount of {$800.00}, which I noticed next week. I reported that next week stating that I have not provided my account information to the merchant who charged our account. I also requested for the fraud claim for {$800.00}. The bank informed me that they can not refund the fraud claim because I supposed to inform them with in two days of the transaction. 

I did not provide my account information to the merchant. I requested for the complete information about the merchant, which RBFCU did not provide. Our personnel identification was misused by the organization, which gave access to the merchant to withdraw our fund without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not take off a collections account from XXXX XXXX XXXX, This account was removed the reappeared back on my report which is extremely odd. This account is closed and needs to be removed from my experian 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 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute about my card being compromised and my account was depleted in the amount of {$200.00} Chime opened up an Investigation back in XX/XX/XXXX of year of XXXX I was told the issue will be resolved by XX/XX/XXXX however it is XX/XX/2022 Ive called several times and they have not resolved the issue I filed a police report submitted documents and still havent got a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by paypal Credit/synchrony bank XXXX I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added 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 explanation
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-07-15 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: TX

Complaint narrative:
I have mailed out XXXX dispute letters each to Transunion, XXXX, and XXXX, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXX ; [ XXXX ALSO BE " XXXXXXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.

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 2022-07-15 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: NC

Complaint narrative:
On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the 30 days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the 30 days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.

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 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Hello, mountain run solutions collection agency out of Oregon is reporting a debt that was released in XXXX XXXX  of federal bankruptcy in XX/XX/XXXX. They were at that time, notified included on the bankruptcy, and now they are reporting it to XXXX as a collection. I called them twice this morning to try and resolve this, and A ) they kept talking over me And belittling me with lines such as if you paid your debt you wouldnt be in this mess. B ) would not tell me the amount of the debt when asked, and C ). they kept hanging up. The debt is a 10-year-old debt for {$110.00} that was owed to an alarm company, who went bankrupt and went out of business ordered by the court, and was impossible to reach to pay the debt in XXXX to XXXX. They were then bought by XXXX and now moved over to XXXX XXXX, I went to great lengths this morning by contacting XXXX security billing, and attempting to contact XXXXXXXX XXXX to no avail. Its not about not paying the bill, its about this particular collection agency reporting it after it has been dismissed And not complying with federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank has erroneously billed me for {$370.00} since XX/XX/XXXX, when this bank acquired the loan from XXXX. The erroneous charges are allegedly for lack of proof of insurance. Flagstar Bank is aware that the charges are erroneously charged by XXXX and will not remove the charges from my account as of this day. Flagstar Bank knows the charges are erroneous because, in the files acquired by Flagstar Bank, proof of insurance was scanned into the XXXX system on XX/XX/XXXX, @ XXXX AM. and XX/XX/XXXX, @ XXXX AM. Flagstar Bank knowing that the fees are erroneous, informed me today via customer service call by representative XXXX from XXXX that Flagstar Bank can not remove the XXXX fees from my 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 2022-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a new account with Discover since they had a decent interest rate and sign on bonus. 

I made a transfer ( ACH ) from my existing credit union account ( XXXX ) for XXXX and discover received it - several days later I transferred XXXX out to put into another savings account. Ever since the account has been locked I canno ADD nor REMOVE any money from the account. 

I did receive a notice to contact their fraud department which has proven useless. I have called 22 times now and been on hold for up to 3 hours on several occasions. 

I just want my XXXX ( and interest/bonus ) back at this point. I will close this account and my CC account with them as soon as I can get this money returned to me. 

Very scary not being able to access money - GLAD it is not an an emergency need right not I am out XXXX dollars. 

I found online that this apparently is a common occurrence right now- they are doing it to multiple people AND no one answers their phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank 's website has been down for over a month over 30days. i have not received any communication from them informing me of anything. I have tried calling them and can not get anyone on the phone. i have waited over an hour on hold trying to make a payment. This is OUTRAGEOUS!!!! i dont know if they are reporting me late to credit bureau or what is going on????? please find out!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under -CMRE-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call XXXX XXXX XX/XX/2022, XXXX pm. 
Call XXXX Time : XX/XX/2022, XXXX pm Call XXXX Time : XX/XX/2022, XXXX pm There we at least XXXX additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

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 2022-07-15 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: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

Company response to consumer: Closed with explanation