vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: MI

Complaint narrative:
On XX/XX/XXXX Key Bank NA processed a check that was dated XXXX XXXX XXXX which was then sent through our Bank XXXX XXXX XXXX. I spent XXXX years in the banking industry and realize that XXXX processes what they receive on the Fed file and the issue is with Key Bank XXXX I contacted XXXX Bank customer service and they transferred me to a local branch in XXXX XXXX The branch rep I talked to could not ( would not ) tell me which branch processed the check or what their policies were on stale dated checks. My wife has a XXXX person interior design business, XXXX XXXX XXXXXXXX, and the records do not go back to XXXX. My banking experience tells me that most organizations will not process checks over 180 days old. My other concern is for expiring stop payment orders... do I need to close my checking account for fear other stale dated checks may be processed without warning? Thank you for reviewing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 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: PA

Complaint narrative:
this account does not belong to me they keep placing an accurate information on 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Charging me a maintenance fees and Im not supposed to have overdraft but my bank account ended up in the red

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 2023-01-21 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: Bread Financial Holdings, Inc.
State: NC

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AZ

Complaint narrative:
I HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. 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 non-monetary relief
Consumer complaint received 2023-01-21 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: AZ

Complaint narrative:
I HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE XXXX XXXX FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Had a Cabela credit card, they use Capital One Bank. On or about XX/XX/ receive letter advising me they were changing my e-mail since I had not made the request. I called immediately to advise such. I spoke to XXXX who advised me that they had also opened an on-line checking account all without my authorization. I asked how this could happen since they required photo ID to even open an account to begin with and asked who authorized all this. She was flustered and told me they would cancel my credit card and I was not responsible. She sent me along to XXXX XXXX XXXX XXXX XXXX and she too reassured me and asked if I had an on-line checking and I have never with any financial institution. She sent me along to XXXX also in XXXX XXXX XXXX XXXX  He reassured me also and said that all accounts including the on-line checking would be cancelled and had not been used, but I was not responsible. I would have to re-apply for a credit card. I would have to send copy back and front of my driver licenses, XXXX. My case # XXXX and gave me the Utah address XXXX would have to mail it. My husband and I talked and decided we did not want to open another credit card with this company that they were not trust worthy. I did file a complaint with the XXXX  XXXX 's office who said they could do nothing! Received letter assuring my account had been closed. Thought all was well. Now I am receiving statements for a Capital One Bank Statement saying I have {$9800.00} in an account I don't even have and never ever applied for. It seems this account was opened XX/XX/ by I don't know who using my information. This seems like major league Fraud and I don't know what else to do. We only used our Cabela 's credit card 2 times in their XXXX XXXX store and I mail ordered just once in and the card was never out of our hands or used anywhere else!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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 consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Also, these hard inquiries were unauthorized. I didn't give anyone consent below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-21 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: NJ

Complaint narrative:
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, MIDLAND CREDIT MANAGEMENT is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Credit Karma, LLC
State: CT

Complaint narrative:
Credit Karma said I was pre approved for credit cards to rebuild my credit. 
When I applied for the " pre approved '' credit card, I was denied and my credit score dropped by about XXXX points, making my credit score low. I was also in the process of purchasing a new vehicle, and with the credit score drop, I was unable to do so. 
I emailed the Credit Karma and they said just because it was pre approved, it didn't mean I was eligible. 
I do not know how to upload the email thread between Credit Karma and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am a senior citizen that was taken advantage of by American Express through a bait and switch from the customer service on the phone. I have a American express blue card for the past year with a 0 % interest rate. I currently have around {$15000.00} on this credit card. The 0 % interest rate ends XX/XX/2023, and on XX/XX/2023 interest rate goes up to 21.9 %. In XXXX I called American Express customer service and explained Im looking to transfer this balance to another 0 % interest rate card and do they have any available. The man told me on the phone that he does see another American Express card with a 0 % annual rate that I could transfer my current American Express card to with a zero dollar transfer fee also. He said I am being recorded and if I accept, he will run my credit to see if I can get the other credit card from American Express so I can transfer my first American Express card to it. He said I am able to transfer {$7500.00} to the new American Express card from my old American Express card. I also have no money to pay for a transfer fee. If it is done from American Express back to another American Express card. And remember this conversation was recorded so I need the FTC to listen to this conversation to verify this!! I told him it was OK to run my credit. He came back and said I got approved for another American Express card so when I receive the card I can then transfer {$7500.00} from the XXXX American Express card to the new American Express card. Yesterday, XX/XX/2023. I received my new American Express card in the mail. Today XX/XX/2023. I called American Express and they said they do not transfer balances from one American express card to another. They said my conversation with the Man did get recorded and the only thing they can do is talk to him about him giving out wrong information to customers. But they can not give me a 0 % interest rate on my current balance, and there is nothing they can do. They will open up an investigation, but nothing will come out of the investigation because they do not do that. Even if American Express customer service gave out the wrong information to me in order for me to get another card from them. My resolution is for American Express to give me a 0 % interest rate on my initial card of {$15000.00} i was looking to transfer since they bait and switched a senior citizen to take advantage of me. They just told me to go to another institution and transfer them out to a new bank. I told them Im not going to do that. It will make my credit score suffer and I should not have to do that since American Express specifically told me what to do. It is not my fault they are giving out wrong information on the phone to senior citizens..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Donut, Inc.
State: FL

Complaint narrative:
Hello, I have transferred over {$13.00} to DONUT APP last year. I opened an account with them as they advertised better saving with options of 5 % interest and 2 % fee. The app had structured the funds to be diversified and invested to XXXX. Currently {$12000.00} of my funds have been frozen since XX/XX/2022. The company despite stating the funds would be diversified, loaned 95 % of its most secure plan ( XXXX plan ) to XXXX XXXX XXXX which is currently filing for bankruptcy. 
Please assist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: LA

Complaint narrative:
Account XXXX, Account name : 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 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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Fees and other costs on several occasions

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo close both my checking accounts because they said fraudulent act if someone deposes money into my business account or personal account Wells Fargo will close my accountant says fortunate acts has it fraudulent acts when people are paying me for my services at Wells Fargo can't understand that or didn't understand it and they closed my accounts and they say how old I'm {$200.00} Wells Fargo have caused me a lot of pain closing my business and personal account and left me stranded by naturally

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 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Like I have provided I have been in prison I am currently receiving disibility check from the veteran department since this loan is now at the seven year mark and theres no way I can realistic pay it with what I make would this company consider a 1099c or if your company coild please remove it from my credit report I was not notified of the account going into forcloser and I have no way to pay it and it is now in the seven year period allowed bi federal law to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.

Complaint narrative:
Dear XXXX, I have received your letter. 
Unfortunately, the Champion Mortgage statement does not reflect reality. 
So for my mother, XXXX XXXX, as of XX/XX/XXXX, her reverse mortgage debt with interest was {$230.00} On XX/XX/XXXX, for the XXXX reverse mortgage loan, XXXX XXXX signed a deed for a reverse mortgage of {$77000.00} with XXXX XXXX XXXX. 
This brings XXXX XXXX 's reverse mortgage debt to {$310.00}, plus interest, plus insurance, for a total of {$350.00} The document ONLY SIGNED by my mother at XXXX XXXX on XX/XX/XXXX clearly states that she can take out XXXX of the {$77000.00} reverse mortgage loan in the first year, XXXX, and the second portion in XXXX. 

My mother suffered a XXXX  XXXX on XX/XX/XXXX, was incapacitated, and neither my mother nor anyone else used the {$77000.00} reverse mortgage. The $ XXXX was not deposited into my mother 's account at XXXX XXXX XXXX XXXX was unable to verify that the {$77000.00} reverse mortgage loan was transferred to my mother 's account. 
The Consumer Protection Department provided a relevant response that the {$77000.00} was transferred to Champion Mortgage to settle the reverse mortgage loan. I assume to pay off the {$230.00}! 
To summarize, Champion Mortgage, XXXX and Everyone listed my mother yone listed my mother as having taken out a reverse mortgage loan for {$77000.00} on XX/XX/XXXX, but that is not the reality.The reality is that my mother ONLY signed the document for the {$77000.00} reverse mortgage loan on XX/XX/XXXX, but my mother did not receive any money!!! 
I would like to get proof from Champion Mortgage that my mother, XXXX XXXX did in fact take out the {$77000.00} reverse mortgage and was entitled to the {$350000.00} debt!!! that my mother 's guardian paid to XXXX. 

Further, I am requesting proof ( bank transfer receipt from Champion Mortgage ) showing that Champion Mortgage received the {$77000.00} reverse mortgage loan!!! 

Champion Mortgage should send me a certificate that my mother received the {$77000.00} reverse mortgage! Evidence!!! 
It was not in my mother 's account at XXXX XXXX. 
XXXX was unable to provide proof of the transfer. 
On XX/XX/XXXX, my mother ONLY SIGNED the document but did not receive any money. 
The amount of {$77000.00} was transferred to Champion Mortgage!!! 

I quote below from the email of XXXX XX/XX/XXXX : XXXX XXXX XXXX Washington State Department of Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " These funds were not sent to his mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. '' Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation