vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Accounts : XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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.

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.

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 2023-02-23 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: IL

Complaint narrative:
There is an incorrect bankruptcy on my credit report. I have contacted them a few times to get it removed and nothing has been removed yet. It should not be there and the bankruptcy court has already let me know they did Not report this information so they do not know why it is there. and the XXXX claims the court reported it but this is false and I have a letter from bankruptcy court proving they did not report, validate or authorize this so it needs to be removed

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 2023-02-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OH

Complaint narrative:
Dear Director XXXX : My wife and I have been customers of Key Bank for about 25 years. Since about XXXX our Key Bank products with the exception on a Roth IRA have always been in the name of our trust. Our Atty. told us not to change IRA name to a trust. On or about XX/XX/XXXX we closed a Money Market Account that was in the name of our trust and opened a CD in the name of the trust. I brought in the trust paperwork it was copied and I assume submitted. In XXXX the paperwork I received from Key did not indicate the Trust name on the CD. I called the customer service line and they called my branch while I was waiting. The CSR told me that the branch told him someone was working on the account and I would be called in a few days when it would be fixed. Absent a call I went into the branch and all the officers were busy. I was informed by a teller I would get a call from the bank in forty eight hours. Again no call. Around XXXX XXXX I looked at my bank statement and I saw that I was being charged a service fee for the money market account that I closed. I called the Key Bank toll free line and spoke with a CSR. She asked me if I specified that I wanted to close the account when I opened the CD. I said of course. She removed the fee and informed me that I had to go to the branch to close the account because it was in the name of the trust. Agitated I went to the branch and XXXX XXXX, a visiting officer, closed the MM account and changed the name on the CD to the trust. Finally a banker who offered what Key advertises ; PERSONAL SERVICE ; as opposed to at best impersonal service and at worst prevarication. I thanked XXXX XXXX for helping me. After he changed CD to the name on the trust I told him that if he had not ; I would complain to the CFPB. I thought the matter closed. Today XXXX XXXX told me that the branch wants me to bring my trust paperwork in again. Key Bank certainly believed that I had the same trust documents when they refused to close out a XXXX balance MM account over the phone. Are those documents lost as well? Is there someone who audits existing accounts for documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently pulled my credit report and noticed a collection that was placed on my credit report from a company that was opened by someone else. I was a victim of identity theft. This account was not opened by me. I am in desperate need for this to be removed and blocked. This has made my life very hard as I am in the process of trying to purchase a home for me and my son. Please remove as soon as possible please. 

Take Care, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have been trying to fix up my credit report. On XX/XX/2023 I wrote to all the credit agencies to verify the debit, amounts, and actions taken on the account. I have received a letter via email saying that the account has been verified. I have written to the company to perform a debit verification, however I still have not received a response. A in dept research of this account has found that there are several errors on my report. NC Financial has different open dates as well as the date of last actively to the account. They have listed it as a charged off several times and then still continue to increase the amount owed each week without sending me any notice via mail. I have not received any account statements on this account period. Every other month they are changing their name in which they report under. One month its netcredit the next is NC Financial. 

In accordance with the fair credit reporting act Netcredit and/or NC financial 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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We were trying to access our B of A account to see statements, but there was a message saying " your account is locked up, do not attempt turn off the screen... ( there was a repeated message to call ( XXXX ) XXXX to unlock the computer. When we called the number, a person ( name : XXXX XXXX XXXX said he can help us with the problem. He informed us that some people are trying to hack our bank account from XXXX, XXXX and XXXX. But the person appeared to be from XXXX. He was able to get our credit card number. Later, he asked us to go to XXXX and as soon as we get to the parking lot he will tell us what to do. At the XXXX parking lot he told us to buy a gift card. This is when we suspected this person is a scammer. 
We then proceeded to the B of A Branch in our area and told them the incident. The bank cancelled our credit card and debit card and will send us another on.

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I try to buy a concert ticket from a person her name XXXX XXXX, Her e-mail address : XXXX, I sent her $ XXXX on XXXX XXXX 2023. She told me she will send me the ticket via on line, but I never received it and she blocked me at the chat and disconnected her phone.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Comenitycapital/XXXX on my credit report for XXXX does not show any contact info. I tried calling XXXX could not help me. I am at a loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was awarded over XXXX by the EDD for PUA. Before I received access to XXXX  dollar Bank of America allowed someone to fraudulently change my address and they intercepted my debit card. I called hundreds of times to check on the status of my card and I couldnt be verified which did not make any sense, and they just would refer me to the Edd to change my information so I could be verified. I spent countless time going back and forth with the bank reps, only to months later have a Bank of America rep accidentally disclose my address which gave me a way to reset my own account online, that had been set up by a fraudster. I then learned the extent of my case was in fact much worse than I could have imagined, not simply not receiving my card but it was drained every time my Edd funds were deposited. I Immediatly filed a dispute and the funds were temporarily put back into my account only to be immediately taken back by Bank of America after supposed investigation. They locked my account down for not being able to verify my identity. Months went by before eventually after a judge order I was able to verify myself and reopen my disputes. In the time I was helpless I reached out to my state assemblyman and anyone I thought could help. To this day I have received a total of XXXX. I had three disputes opened in the amounts of about XXXX, XXXX, and XXXX. For Nearly a year I call about a status of the reopened cases and just get vague, uncertain responses. It was first you will have a decision in the cases at most in 30 days. Then it became soon, we will add you to the waitlist. Month after month. Finally in XXXX they decided one case, the smallest of XXXX, in my favor. They didnt even notify me. I have called every week and all the claims dept will do is file w complaint, whatever that means. I am struggling, every day, and would implore your help protecting my award money and not being bullied by a bank with no recourse. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Letter/ XX/XX/2022 CFPB XXXX XXXX RE XXXX XXXX. 
SETTLEMENT ADMINISTRATOR XXXX XXXX  XXXX XXXX, MN XXXX INFO @ WFSETTLEMENT This information at the top of the letterhead regarging our address is CORRECT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX MY COURT ORDERED XXXX SETTLEMENT HAS NOT BEEN SENT BECAUSE BECAUSE YOU ARE ONCE AGAIN ESCAPING THE COURT ORDERED. 
XXXX HAS NO PROBLEM AND THE IRS KNOWN THIS IS MY ADDRESS. 
XXXX XXXX XXXX. IS HAVING PROBLEMS WITH WF. PLEASE EXPLAIN THE UNTRUTH THAT WELLS FARGO AND XXXX XXXX TO THE CFBD AND MYSELF!

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 2023-02-23 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: Self Financial Inc.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act ( SELF XXXX XXXX  ACOUNT ) ( Acc # XXXX ) has violated my rights. Under 15 USC 1681 Section 602, states I have right to privacy. 15 USC 1681section 604 ( a ) section ( 2 ) Also states consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX 2023.I filed a claim with bank of america edd card services.I never received my card.Bank of america told me that within ten days I would received a temporary credit.I have not received anything.Its been over ten days.When I called today to ask about the credit the person at Bank of america told me that my claim was still pending.Bank of america is suppose to give a temporary credit when fraud is involved.I haven't received any money.

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 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: PR

Complaint narrative:
Since XXXX, XXXX XXXX XXXX to collect {$420.00} from a service they never provided me alleging they bought XXXX XXXX XXXX XXXX XXXX XXXX whom I ended the 3 year term contract for failing to repair damaged equipment, as security cameras, door and window sensors. Notification was mailed 1 1/2 month prior to the end of the 3 year contract term to avoid another year auto extension. XXXX collections companies had tried to collect and had been removed from my credit report but they still affecting my credit by submitting the same collection under different collection company. Now XXXX has dropped XXXX point ( from XXXX to XXXX ) of my XXXX XXXX due to this nonsense action. XXXX, XXXX and XXXX already received this collection in XXXX under XXXX XXXX XXXX. In XXXX XXXX received it under XXXX XXXX. Every time the credit agencies remove the collection another collection company report this fraud to the agencies and affect my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/2022, I contacted Comenity CB ULTAMC to determine all amount, outstanding under the credit card issued by them and to close my account. I simply no longer wished to maintain unnecessary credit cards above and beyond my primary bank issued credit cards I had had for years. I advised Comenitys representative over the phone that I wish to be advised of all amounts incurred under my credit card, gave the representative my XXXX, routing and account numbers authorized Comenity to withdraw all amounts, incurred, whether or not due and requested that they close my account. They assured me that they had. Apparently, Comenity. failed to withdraw. {$0.00} incurred. That was their error as my XXXX account at all times relevant held in excess of. {$10000.00} and I had authorized them specifically to withdraw all amounts incurred, whether or not then due, prior to closing my account. I have contacted Comenity on numerous occasions since in response to attempts by Comenity to impose draconian penalties and fees on its {$0.00} error. As of their last correspondence, they have attempted to collect {$76.00} from me in order to settle this account and close it. Obviously that would represent an annual interest rate in the tens of thousands of percent. To say that this is unconscionable is an understatement. Moreover, this error has caused my XXXX score to decline nearly 100 points. I have contacted them by phone on at least a half dozen occasions, each time I have been transferred from department to department and in the aggregate, the experience has taken in excess of two hours, and resulted in me being cut off after such wait times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Did not send rewards as promised on purchases and charges on cards that were not authorized.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XXXXXXXX  I was alerted by XXXX of a hard inquiry on my credit from Comenity Capital/IkeaXXXX . I did not apply for a credit card from Comenity IKEA. 

On XXXX/XXXX/XXXX  I received an e-mail from Comenity IKEA in response to the visa credit card I'd applied for - which I did NOT apply for - and that they would get back to me in 10-14 business days. 

On XX/XX//XXXX   I reported this activity as Fraud with XXXX ; they placed a fraud alert on my account for the next year, will call me for any future requests for credit, and gave me the confirmation number of XXXX. 

On XX/XX/XXXX   I attempted to report this fraudulent activity to Comenity Bank and am still on hold...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation