vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
My name is XXXX XXXX, I am a XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Our company 's business checking account was transferred by hackers in the amount of {$120000.00} between XX/XX/XXXX and XXXX XXXX. 
The first thing happened was my debit card was declined for online payment In XXXX, I called KeyBank customer service XXXX they said there was something wrong with my debit card and told me my debit card was blocked and they will send me a new debit card. 
On XXXX XXXX, we log-in our online bank of Key bank account, someone transfered out our money from our account. 
The amount are : {$94000.00} on XXXX XXXX {$6000.00} on XXXX XXXX {$29000.00} on XXXX XXXX {$200.00} on XXXX XXXX Total amount is {$120000.00} We called costumer service to report these fraud things happened on XX/XX/XXXX, but the costumer service asked us to our branch to see our banker. So we went to our branch, Our KeyBank branch address is XXXX XXXX XXXX, XXXX, OH XXXX. The phone number of branch is XXXX, Our banker 's name is XXXX XXXX. 
Our banker report to fraud department and frozen our account., the Fraud number is XXXX, And then he opened a new account for us, transfered {$100000.00} from the frozen account to new account. All of the money were refund to our frozened account on XXXX XXXX. 
But after few days, Key banks took back {$120000.00} from the frozen account, so the balance amount of frozen account were XXXX XXXX, the reason is the fraud department still working on this case, our banker told us : [ Don't worry, Keybank will take care this. ] We always following up of our case and waiting for keybank to fix this case. About two month later, keybank closed our frozen account, the balance is showing {$0.00}. And we received a letter from a debt collection agency. The letter showing we owe {$83000.00} from keybank. We asked our banker what happened, our bank answered the fraud department find out the stolen money was transfered to XXXXXXXX XXXX, but the XXXX won't refund the money. The banker told us that he can't do anything at that timing, he asked us make report on Police department. So we completed the police report at police department at XXXX on XXXX XXXX. The report number is XXXX. 
After XXXX months long wait, we still can not get any help from Keybank or Police department, so we are asking CFPB help us. 
If you have any question, please contact me, my cell phone number is XXXX work number is XXXX. 
XXXX XXXX name is XXXXXXXX XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
email is -- -- XXXX Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received an American Express branded Serve card in the mail. It has my name on it, as well as a card number. There is American Express bank and routing information provided with the card. I did not request this card. I called the Serve customer service number ( XXXX ) repeatedly, but there is no person available to assist ; there is only an automated system. I called American Express directly, and they said they have no direct control over the Serve cards. They tried to also contact Serve, but also had no success in speaking to a person. American Express recommended that I file a complaint with the CFPB. 

Please note that I DID NOT activate the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

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 non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On multiple occasions Ive tried to accurately report the correct information as well has have the companies take responsibility to have themselves report and to update current and reliable information. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. My student loan are to be considered paid in full but not removed from my report as I would like to have a positive credit score. I do know and understand that by law we have the right to opt out of certain information as well as to be notified weekly and monthly on the terms and conditions of our credit reports. I would like to also like to get my actual credit file not just my credit report. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title? '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact, the victim of this data breach and Equifax has done nothing. 
Additionally, they have refused to provide my full credit report. The only report I have is the one from XXXX XXXX. 

Below is the last four of my social. 
The last four of my social : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management is attempting to collect a debt from me for an account with XXXX that another debt collector owns and who are trying to collect on with the proper amount. They are using false collection dates ( refreshing the debt by saying that it was put into collections recently instead of years ago ) and the amount is double of what it is supposed to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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:
Im begging you please remove this to the 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Hello. I got a notification on my XXXX about Columbia debt recovery trying to say I owe a year of rent for a place I have never even lived in. They are either trying to find people to pay things that arent owed or there is identity theft going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Huntington Debt Holding LLC
State: CA

Complaint narrative:
Repeated phone calls from many many different phone numbers, I spoke to them to begin with told them that that was not my debt and told them repeatedly to stop calling. They are leaving harassing voice messages and threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This debit card with {$700.00} was sent to me but was stolen so i never received it spoke to the company wrote the dispute letter like they ask me to do still nothing has been done .I cant get through on the phone with out a debit card number just want my {$700.00} that was stolen from me

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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:
I have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine XXXX XXXX XXXXN XXXX I do not recognize this. 

XXXX XXXX XXXX  XXXX I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX  This is not mine XXXX XXXXXXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a car contract with US auto sales. My car was in an accident, and I filed a claim through XXXX XXXX, which was the insurance company that US auto sell used. US auto sales failed to pay the premium which caused my claim to be closed. I contacted US auto sales multiple times in attempt to get this taken care of as they had already sent out the adjuster and my car was supposed to be getting paid for. Some kind of way US auto sales sold their company to a debt collector and now I cant get any help. They wont honor what US auto financing was supposed to do. I also had issues with having to pay double when I had already paid and my car being cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I purchased a {$100.00} AmEx gift card for my XXXX  as a gift. She attempted to use it to make a purchase and it was declined multiple times. So I attempted to make purchases with it at other sites and with other vendors and it continued to be declined. I called the customer service line and no clear reason for why it wasnt working was given. The representative then told me the card would be put on hold for 24 hours. I asked why. He said because the prior purchases that were declined, which made no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Purchased a new car- XXXX XXXX XXXX pulled my credit and said it was XXXX. 
I had removed the freeze the day before because we were purchasing the car- they said they would try again put the freeze and turn off- t hat was on XXXX still XXXX they told me to call Experian, I talked to Experian on XX/XX/XXXX told to call back on XX/XX/XXXX talked XXXX said my XXXX was in the XXXX 's. told me to call back on XX/XX/XXXX I did I talked to XXXX who sent me to XXXX filed a complaint- sue sent me to XXXX- who said has to be an error from XXXX not them. 
Spoke to XXXX XXXX XXXX XXXX who said no had to be Experian. 
I am concerned as to how this happened and why they are both pointing fingers at each other- I received a letter from XXXX XXXX saying the credit score is XXXX on XX/XX/XXXX ( the day that XXXX XXXX XXXX it is XXXX ) We had to take the loan under my husband whose XXXX score is less than mine- this greatly concerns me if I want or need credit in the future- who did what wrong- this can cost me for loan percentage. It has been extremely frustrating - no one can tell me why when XXXX XXXX pulled the credit it was XXXX ( like a kid out of college with no credit ). 
I would like resolution on what happened and how to make sure it does not happen again. XXXX XXXX XXXX said they use a third party to pull reports- they also said good idea to report it so that you can figure out whose fault and what went wrong. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Your radio buttons don't cover my scenario. 

I have an HELOC with Rocket Mortgage/XXXX They refuse to allow me to access the funds. Their only method of verification ( after answering XXXX PII questions ) is to send me a code via text. But their codes always say they will NEVER ask for them, because that is a highly used scam method. They refuse to allow me to access the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My saving account containing XXXX dollars was closed on XX/XX/2023 by Capital One Without prior notice. I have been communicating on a weekly basis with Capital One being told that my account was being investigated for fraud and when the investigation was concluded my funds would be returned to the original funding source. On XX/XX/XXXX when I called to check on the status of the investigation I was told that the funds were returned on XX/XX/2023 to the original funding source and that Capital One no longer had the funds. This is a direct contradiction to what I have been told all along.I explained to the representative that I never received the funds and had checked with my bank and they have no record of any transfer from Capital One to my checking account ( the original funding source ) The representative stated it didnt matter that I didnt receive the funds Capital One no longer had my funds. I have my bank records showing no deposits from Capital One made my checking account ( the original funding source )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY, XXXX '' Please REMOVE : XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XX/XX/2023

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please review the attached documents. I request the bureau to start an investigation into these accounts, as I am never late, yet they are reporting me as such.

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