vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my XXXX XXXX account to Citi account. That was XX/XX/XXXX, that the balance transfer was confirmed by Citi. Weeks go by XXXX XXXX XXXX reflects no reduction of the transfer amount of {$10000.00}. I call Citi and they stated they sent the funds to XXXX XXXX  XXXX. Citi instructs me to call XXXX XXXX XXXXXXXX as the issue is on their side. I call and XXXX XXXX XXXX says no they did not receive the funds to call Citi. Call XXXX back and told the funds are sent and will hit my XXXX  XXXX XXXX account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when XXXX XXXX XXXX agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to Citi bank. Got nowhere with either bank then. Called again a day later and told by Citi to verify the account I do so and mention it was several times. Person at Citi says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to Citi. I call on XX/XX/XXXX to both banks and get nowhere. I am told by Citi here is the tracer number XXXX  XXXX can look it up and Citi sees it and verify funds went to XXXX. XXXX # XXXX. I was asked Citi bank for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from Citi that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by XXXX XXXX XXXX they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.

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 2023-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an issue with KeyBank, which has frozen all of my accounts, online banking, and credit and debit cards over a legitimate check that was posted on XX/XX/XXXX. My name is XXXX XXXX and I have been a loyal customer of KeyBank for many years. I am extremely frustrated by the situation I am currently facing. 

On XX/XX/XXXX, I deposited a check into my KeyBank account. The check was legitimate and was for a considerable amount of money from my insurance company. However, when I attempted to access my account online a few days later, I found that all of my accounts had been frozen. I was unable to use my credit or debit cards, and I could not even access my account to see what was going on. 

I immediately called KeyBank customer service to find out what was going on. After several transfers and long waits on hold, I was finally informed that my account had been frozen because of a security issue related to the check I deposited. The bank claimed that they needed to verify the legitimacy of the check before they could release any of my funds. 

I provided KeyBank with all of the necessary documentation to prove that the check was legitimate, However, despite my best efforts, my accounts remain frozen and I am unable to access my funds. 

This situation has caused me a great deal of stress and financial hardship. I rely on my KeyBank accounts to pay my bills and support my family, and I am now unable to do so. I feel that KeyBank 's actions are unfair and unjustified, and I am seeking your assistance in resolving this issue. 

I kindly request that you investigate this matter and take appropriate action to help me regain access to my accounts and funds. I would also appreciate it if you could ensure that KeyBank does not take similar actions against other customers in the future without proper cause. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection agencies.

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 2023-04-27 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: NY

Complaint narrative:
On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXXXXXX XXXX XXXXXXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or XXXX to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XXXX XXXX, I made a dispute complaint with chime because my purse with my cards and phone were stolen. I went through the correct protocol; reporting my cards lost or stolen, made a police report and disputed all charges. 
Chime notified me ton XXXX XXXX that a decision was made and I would be refunded my money no than the XXXX XXXX. Approiamately two days later I logged into my chime app and it stated a split decision was made and I was credited for an XXXX charge. I then notified them asking to speak with their supervisor. I did not understand how one of the charges were found fraudulent, yet the others were not. All of them were made at the same time frame when my purse was stolen. Also a lot of the charges were ( upon my own investigation ) were charges made to subscription I had canceled, and made to XXXX and or XXXX XXXX XXXX. If you can help me Id appreciate it. Chime is supposed to insure you against any fraudulent transactions made and I provided them with the police and all and still they have refused to refund my account.Also in the user agreement it states that a provisional credit would be available to the consumer 14 days after the dispute was filed until they completed their investigation which it was not provided. It was over a thousand dollars in fraudulent charges made and now I can not pay my bills. Thank you again for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
I have filed Disputes with XXXX XXXX and they keep telling it is reported correctly, I have a copy of discharge from Court as well list of creditors which show collection agency being notified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: PA

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

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: PA

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

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 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.

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 2023-04-27 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I received an approved credit card number ( not a card ) with a {$4000.00} line of credit in my name in the mail today from a company called Genisis FS Card Services headquartered in XXXX, OR. I called and spoke with their fraud department. The first thing they requested was my social security number. I said no. I offered instead the credit card number they assigned in my name. They were not interested and said I would have to contact the FTC and file an affidavit They would respond to that in about 60 days. I feel this was a phishing expedition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I pulled my credit report to make sure everything was correct. When viewing all XXXX reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing GM Financial informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for GM Financial to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The problem started because of a missed payment in XX/XX/2023. The nightmare stared 3 days after missing the payment. The bank started calling me 15 times a day every day for a few weeks. I was so stressed I decided to file a complaint with the XXXX XXXX XXXX. I tried negotiating with Synchrony Bank regarding my PayPal account. I asked for late and interest fees ( which I incurred through no fault of my own ) to be waived. I also asked Synchrony Bank to close my account once the account is paid in full. To date, theres been no resolution. Im asking for your help in resolving this matter. 

I want the late and interest fees waived so I can start making payments again and when the account is paid in full I want the account closed. I dont ever want to deal with this bank ever again. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NY

Complaint narrative:
On XX/XX/23 I attempted to reached out to an unknown creditor that seems to be an alleged debt after making several disputes this unknown creditor came back as verified on XX/XX/23 I disputed again with this company asking what method of verification was used in order to determine this alleged debt that belongs to me there was no further reply from the company as of XX/XX/23 still no reply of a request of method of verification this account updates every month with inaccurate information there is no valid contact information either to speak to a representative or customer service no email nor phone number to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Chexsystems has outdated information and per fcra any inaccurate information needs to be deleted immediately. I'm not trying to verify but validate the validity of its claims. I need proof where I am obligated to their claims. Untill then reporting otherwise is considered fraud. XXXX XXXX XXXXXXXX XXXX report need validation.

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 2023-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
1st complaint XX/XX/2022, numerous requests for help. My accounts were taken over by the same person on XX/XX/2022! 
BoA FINALLY decided to refund the funds stolen from my checking & savings accounts but cant connect the dots that the XXXX XXXX XXXX XXXX  to himself is the SAME perpetrator that stole from my other XXXX accounts. 
Now they want ME to pay the bill!!

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