vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
My complaint is regarding ChexSystems. In XX/XX/2022, XXXX XXXX false made a report to ChexSystems regarding me. I disputed the matter directly with XXXXXXXX XXXX and ChexSystems as well. The information submitted by XXXX was false and should not have been reported. 
ChexSystems received my dispute, investigated the matter, and DELETED, the information. Now, the very same information has reappeared in the report and they are refusing to remove. 
The information from XXXX was not accurate and they did not respond to to substantiate the alleged information within the time allotted by law. 
This information, under FCRA, is not permitted to be reported again and again after being removed and deleted causing me to have to dispute over and over. 
I am attaching a report from XX/XX/2022 that clearly shows that the item had been removed and this is what the letter from Chex stated. The original report from XXXX had been made in XXXX so it is clearly 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 2022-08-30 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: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
As I know nothing about this matter dated XX/XX/2005 I called the company seeking info. While on the phone call they continually threatened to sue me then wreck my credit and finally put me in jail. I kept asking them why the matter is so old. They said there was no time limit. I asked for proof. All they sent was a fuzzy photo copy of a picture of a an intersection. 

The date on their paperwork is XX/XX/2005. It is 17 years old. 

I feel that they are threatening me. I feel that theyre not legitimate. I feel that theyre giving me false information. I fear this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

If you continue to violate my rights, my associates and I will be seeking {$1000.00} per violation.

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 2022-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened and funded a new savings account with XXXX XXXX XXXX Webster Bank recently and then set up an " external transfer '' account a few days later so that I could move some funds through the ACH system. That external transfer account was for XXXX XXXX XXXX XXXX. The transfer account was then verified by utilizing two small deposits and was subsequently confirmed as valid by XXXX XXXX / Webster Bank. I then initiated a transfer of funds according to their " daily limits ''. That transfer was initiated on XX/XX/2022. I received an email from XXXX XXXX / Webster Bank today XX/XX/2022 informing me that the transfer has been stopped and that after they review it, they will either cancel it entirely or it will be delayed. This is clearly an " UNFAIR AND DECEPTIVE '' practice on their part. They have NO right to hold ANY of my funds as long as I adhere to their posted transfer practices which I have done. Despite my attempts by phone to resolve this issue, XXXX XXXX Webster Bank has given me the " runaround '' and failed to resolve this matter. I respectfully request your help. 

XXXX is some sort of subsidiary of Webster Bank. 
FDIC # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CA

Complaint narrative:
I checked my credit report and XXXX XXXX XXXX Credit Card with the amount of {$2300.00} is fraud, I never have business and i didn't sign up for the business credit card. Please remove this from my credit report ASAP!

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 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. The accounts I am attempting to get removed are as follows : XXXX XXXX XXXX, ACCT # XXXX {$480.00} XXXX XXXX XXXX, ACCT # XXXX {$250.00} XXXX XXXX XXXX, ACCT # XXXX {$180.00} XXXX, ACCT # XXXX {$79.00}

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 2022-08-30 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Yesterday I signed up online and downloaded the app. For citi cards. After filling out my information, about one hour later I received a text message thinking it was from citi card. The message reads, bank-mobile- alert-9. ( Call XXXX XXXX # ) # Card-temporarily-locked-ID : XXXX. I thought it was citi card texting me because of signing up for online banking with them, and possibly there was an issue with my new account. I called the number and they asked for my social security number, DOB, address, the card number and PIN number. I unfortunately gave them all the information up to the PIN number. Thats when I figured out this was a scam. I called citi cards right away, they closed out my account for the time being. I will get a new card soon. I also put a freeze with my 3 credit bureaus. And a fraud alert is in place from last XXXX of 2021, from another hack I went through. At this time no monetary problems. I deleted my app. With citi cards and will pay only by paper statements with a check. I hope this information helps you and me. I will be very careful from now on when receiving any text messages that are unexpected. I truly thought it was citi cards at the time, or I never would have responded to the text message.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP
State: ID

Complaint narrative:
Id like to file a formal complaint against KeyBank. 

In XX/XX/2022, I received a promotional offer in the mail from KeyBank offering me a 0 % interest credit card on balance transfers. My limit was {$7500.00}. I conducted a balance transfer on XXXX XXXX in the amount of {$6000.00} from XXXX to KeyBank. I remember speaking to a male over the phone ( who works with KeyBank ) to conduct the balance transfer. The male who worked for KeyBank was friendly and reassured me I was receiving the promotional offer. Because I no longer had the promotional offer in hand, I remember asking the KeyBank employee if I was still within the time frame. The promotion was advertised as 0 % interest on balance transfers, but I would pay interest on additional charges applied to the credit card. 

In the months following, I maxed out my card at {$7500.00}. Therefore, I was expecting to be paying interest on the {$1400.00} balance that was not part of the balance transfer. I reviewed back statements to assure I was paying more than expected in interest. 

Fast forward to XXXX XXXX. I called KeyBank to ask what my current interest rate was. I spoke to a nice lady named XXXX. XXXX informed me my interest rate was 14.24 %. XXXX also informed me that I had been paying interest for the balance transfer in addition to all charges racked up on my credit card ( I have been paying interest since XX/XX/2022 ). I spoke on the phone with XXXX for over an hour on XX/XX/2022. By the end of our conversation, XXXX got in touch with a female supervisor who stated, The call back in XXXX when the balance transfer took place was no longer recorded because it had been longer than 5 months. The KeyBank supervisor also stated, I found the promotion that should have been applied to your account and I will get the interest youve paid over the last 5 months, credited back to your account. 

On XXXX XXXX. I missed a call and voicemail from XXXX. When I called back, I spoke to a male supervisor who informed me that after investigation, I missed the promotion by a few days, and I do not qualify. I explained in detail to this male supervisor with KeyBank the situation and explained my frustration due to being told twice, I would be given the promotion. I would have never transferred my balance from XXXX to KeyBank, if I had not been promised the 0 % promotion ( my interest rate was lower with XXXX than it is with KeyBank ). 

I feel KeyBank was dishonest to gain my business. I was not issued the interest rate as advertised on the promotional offer they mailed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 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: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my 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 non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX was contracted to preform Plumbing & Electrical installs on the addition to the property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. A total deposit for work was given to XXXX XXXX, for {$1400.00}. Three XXXX payments of {$500.00} each, were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX. Work was scheduled to be completed by XXXX, on XX/XX/XXXX and XXXX, XXXX On XX/XX/XXXX, XXXX contacted XXXX and stated that he was ill and unable to complete the work, as scheduled. They agreed that work could be rescheduled. For 3 days, XXXX was unable to reach XXXX to reschedule the work contracted. XXXX did not return any of the multiple calls or texts, requesting information on when the work could be completed. On XX/XX/XXXX, XXXX reached and stated that he was still ill. XXXX XXXX she would contact him on Monday, XX/XX/XXXX to reschedule and get the work done. She and her husband attempted calls on XX/XX/XXXX and XX/XX/XXXX, will no responses. They finally sent a text, requesting a full refund and that they would be filing a dispute with their credit union. XXXX still did not respond or contact them. XXXX XXXX did not preform any work at the property and has not fulfilled the agreement for work. Our credit union, XXXX XXXX XXXX was contacted and a dispute was filed for return of funds, due to fraud. Wells Fargo Bank, refused to return funds, even thought this company and person has been reported to the Register of Contractors and XXXX XXXX XXXX for fraudulent activity, on multiple occasions. XXXX XXXX is contracting work as a registered, licensed contractor and he is not either. Wells Fargo Bank will not work with my credit union or me, to return funds that were taken, due to fraud and scamming people. All XXXX XXXX XXXX XXXX is stealing money from people and Wells Fargo refuses to take action.

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 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This bill was paid in full I should not be in collection

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 2022-08-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am trying to dispute three unauthorized charges on my credit card done by XXXX tourist department on XXXX. 
The card charged was my Navy federal credit union XXXX card. 
After I found out that there were XXXX separate charges on my card, I contacted Navy Federal Credit Union right away. I was really expecting them to investigate and reverse the charges but instead they asked me receipts or any documents. Since I didn't authorize the charges, obviously I do not have any receipts nor documentation. 
Now I don't even know what to do with charges on my card showing total of {$460.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint in response to the resolution I received from Fifth Third on XX/XX/XXXX regarding the bank damaging my credit for following the explicit instructions given to me by the bank. 

Throughout the investigation, there was a complete lack of communication from Fifth Third and the eventual company response failed to even acknowledge the basis of my original complaint. 

The issue was I was given blatantly false information and incorrect instructions from multiple bank representatives regarding a credit card dispute. I was advised at the branch ( end of XX/XX/XXXX, in-person meeting with XXXX XXXX XXXX to refrain from making any kind of payment on the card during the dispute and was later penalized for following the explicit instructions given to me by the bank. I also received contradictory and false details about the status of my card on a recorded line ( XX/XX/XXXX ). At the beginning of the process, I was contacted by the case manager, XXXX XXXX, who assured me he would be in regular communication with me regarding the issue. Despite calling him multiple times a week, I was not able to get a hold of him once beyond our introductory conversation. 

After hearing nothing from Fifth Third throughout the investigation, I received the resolution and it did not even address the claims regarding false information and inaccurate instructions given to me by the bank in their response. This was the entire basis of my complaint. To me, this is a sign that the complaint was not investigated with any reasonable amount of legitimacy or objectivity. In this situation, Fifth Third is both the defendant and the judge when it comes to resolving this complaint, not to mention the conflict of interest in the fact that Fifth Third benefits financially ( accrual of fees ) by ruling against my favor. I have not received the bare minimum of communication or even accurate and accessible information regarding my credit card with Fifth Third since the dispute took place. 

I insist that Fifth Third explains and acknowledges the blatantly incorrect information they gave me, and does not penalize me for what is a company error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from NAVIENT that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that NAVIENT was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AR

Complaint narrative:
Dating back from XXXX of 2022 and probably before then I have been contacting Trans Union asking for a validation of accounts concerning XXXX XXXX  and XXXX and the only thing I receive back is accurate information they have not shown how or from whom the information is being reported they state in their report if I wish to receive the above description of the procedure they used to investigate my dispute in a separate communication contact them I did that and I still have not received the description used in the procedure to investigate. 

As you can see from the information listed in their response they do not validate the accounts or give the method of how the information is being investigated and as you can see from the information listed Us Courts does not communicate with credit reporting agency so with them listing investigation results as verified as accurate is in correct cause they are not receiving information from the listed contact they are reporting on my credit report and as you can see from the letter submitted information XXXX is not or never been in included in a bankruptcy that account is paid in full and I have the title so how is that account listed in a bankruptcy. 

I ask that these entries be removed from my credit report cause Trans Union is supplying inaccurate information and refusing to remove these damaging information 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 2022-08-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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