vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I requested closure of my prior Key Bank checking account originally opened in XX/XX/XXXX. I was told it would be closed in 1 -2 business days. 

On XX/XX/XXXX, more than 1 year later, I opened a new Key Bank checking account and met all requirements to receive a {$200.00} bonus for making a {$500.00} paycheck direct deposit into the new account. 

Key Bank has failed to issue me the {$200.00} bonus. When I asked why, I was told that my prior Key bank account had not been closed until XX/XX/XXXX in their system and that since it had been one year since I had last had a Key Bank account, I was ineligible for the bonus. 

This is utter nonsense because I requested closure of my prior account on XX/XX/XXXX so it should certainly have been closed more than 1 year prior to opening the new account. If my account was in fact not closed by the bank in their system until XX/XX/XXXX as they claim, that is entirely their fault for taking excessively long ( 16 days ) to close the old account ( I had been told it would be closed in a few business days ). There was no activity on my end that kept it open after I requested closure on XX/XX/XXXX. 

They obviously just want to cheat me out of the bonus. But I should not be penalized for their slowness in closing the former account. Further, I note it is literally exactly 1 year since they say they closed the old account vs. when I opened the new one, so they are being absurdly unfair and splitting hairs by one day - WHICH AGAIN SHOULD NOT BE THE CASE BUT FOR THEIR INCOMPETENCE. I'm sure if I owed them money, and was 15 days slow in paying, they would me accountable. 

Based on the facts, I clearly closed my former account MORE than 1 year before opening the new account, and therefore have met all their requirements and should be issued the {$200.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
the account shows that it was closed XX/XX/XXXX but it's still on my credit report as a negative item. date opened was XX/XX/XXXX for XXXX dollars but it was paid off in XX/XX/XXXX but still not off credit profile. 

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. 

Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX. The vehicle was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. 
Upon purchase, I did do a test drive, but I requested to take the vehicle in for a inspection and informed the salesman that I would be doing so that day and was told because someone had stolen a vehicle that I was unable to drive the vehicle so far away for the inspection. 
I signed a as is no dealer warranty buyers guide but was in fact given a dealer warranty and the dealer is refusing to make the repairs needed to the vehicle. The vehicle was sold to me without a Catalytic Converter and just a straight pipe and was totaled out in a accident in XXXX and I was not made aware of that at the time of sale. I took the vehicle to be inspected also my insurance company had the vehicle inspected by a third party and everyone has come to the same conclusion that I was sold a lemon vehicle. I haven't reached out to XXXX XXXX XXXX because I'm afraid to be intimidated by them. I need help with this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-07-08 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: NV

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NV

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT, I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT XXXX XXXX XXXX ( {$140.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX WEBBANK ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IN

Complaint narrative:
I applied for, and an eligible for, public service loan forgiveness from Fed Loan Servicing. 

I have made XXXX qualifying payments. 

My employer from XXXX has closed. I submitted to forms with the " I am unable to obtain a signature '' option. This was in XX/XX/2021. I received no feedback. 

I reached out XX/XX/2021 and was told to submit W-2s for those years, which I did, in XXXX. 

3 months later my count is still stuck at XXXX because my W-2s have not been processed. 

I spoke to an ombudsperson on XXXX who claimed they were expediting the process. 

Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
A scammer contacted me and somehow got access to our XXXX account in our Wells Fargo account and add them on as a recipient on XXXX. I hung up the phone, but {$400.00} was removed from our account. I contacted the bank and filed a complaint, but was told it was unlikely we would get the money back, because XXXX does not refund, even when they know fraudulent activity has occurred. XXXX and Wells Fargo should have extra security steps available, especially since I did not put XXXX on my bank account and I did not authorize any payments to this recipient or add them on to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below accounts 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2022-07-08 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, the below accounts 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX and Account number 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom was to send money from my escrow to my new insurance company. The insurance sent a bill at the beginning of XXXX. I followed up at the end of XXXX and they hadnt sent the money which they promised to do. I followed up again today and still no payment. I also sent the refund from my old insurance and in the memo on the check said it was for escrow. They put it towards the principal. I called and asked them to fix it. They said they would. They only put {$140.00} of {$4500.00} in the escrow. I called again today. They again said they will. They are terrible. I want resolution of my problems without having to call them 5 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I've been ripped off by a dealer car located in XXXX, being a female my first-time car buying experience, knowing little about purchasing a vehicle I was fully taking advantage of. The seller Knew it. The whole thing was one week before I purchased the ca, I had someone go with me to a dealer car in XXXX Massachusetts, for two reasons, the first one was because I can barely speak English and also to helped me chose a reliable car, The seller asked us which car we would like to buy, my friend told me to get a blacXXXX XXXX it was a nice black XXXX, because he knows I love big cars or SUV I dont like small cars, I would never financing a car that I dont like over my own money that Im working hard for. If I didnt feel force to. my friend asked the seller how much the Black XXXX car cost, his answer was {$15000.00}. So the next thing was the give him my 2 previous paychecks unfortunately I didnt bring them with me, as a result for the day, the seller asked us when I get my 2 preview paychecks we can come back to fill out some paperwork, couple days after when I came back I was alone, just after he filled out some paperwork in his computer, The seller decided which car he wanted to give me, he told me that I wasnt qualified for the XXXX car, due the fact I dont have a good credit he made me believe that I cant decide which car I want to buy. I was so naive I believed him. Now Ill have to spend more than three times the cars value a XXXX XXXX  for {$17000.00} in total Ill have to spend up to {$25.00}, {$220.00} biweekly. I am a victim by automobile dealer fraud this is incredibly stressful and frustrating situation. Just one month the car XXXX the car begane making strange noises and driving funny to where its not safe to drive. I contacted the seller of the car about the issues I was having, I have wanted to return the car, because I didnt want to deal with it. He didnt want to take the car back. But He told me to take it to the shop to have it looked at it, The mechanic man told me the car has an engine problm and XXXX  Pipe issue they need a week onto get it fixed. After 7 days they told me the car was ready to Picked up, I Cant tell if it still have engine light issue, but the never got ride of the big noise.Ever since Ive been going through deep XXXX. I cant do this anymore. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized / Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief