vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OR

Complaint narrative:
I got a offer in the mail in the form of a post card and the offer was ; Open Key Smart Checking, Key Advantage Checking, Key Privilege Checking or Key Privilege Select Checking account using the offer link and code XXXX and make a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. And KeyBank will deposit the bonus funds into your checking account within 90 days of meeting the offer requirements, provided your account is open and in good standing.

The amount is {$400.00}. 

The bank wont call me back and when I call for the manager they said they are busy and they will call me back and they never do, when I call back they put me on hold until it disconnects automatically. I brought the over in to the bank, opened one of the qualifying accounts, had several direct deposits well over {$500.00} and its been 90 days and no funds have been added to my account for completing the requirements.

They also charged me {$6.00} putting my account in the negative by {$5.00} and I think they did it so they didnt have to pay the {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My info was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has done nothing. Please help me delete these illegal accounts from your Equifax credit reports. Account name and account numbers and the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dear Equifax : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way. 

These items are reported inaccurately : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following personal information is incorrect Former : XXXX XXXXXXXX If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX  & CFPB. 

I await your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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:
I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am responsible for this one and it should only be showing once. 
XXXX XXXX XXXX XXXX XXXX XXXX I am not utilizing any of these institutions and has never conducted any business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: CA

Complaint narrative:
I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am responsible for this one and it should only be showing once. 
XXXX. XXXX XXXX XXXX. XXXX XXXX I am not utilizing any of these institutions and has never conducted any business with them.

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 2023-12-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
My money {$720.00} was refunded back to my prepaid card via XXXX XXXX XXXX # XXXX XXXX XXXX XXXX on XX/XX/2023. The banking company will not release my funds

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 2023-12-06 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: LEXISNEXIS
State: CA

Complaint narrative:
In XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXX police dept. I am unsure if he filed taxes in those years also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: LA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-06 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: LCI Acquisition Inc.
State: NV

Complaint narrative:
I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm. 

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information. 

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
15 U.S. Code {$1600.00} c-2 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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WESBANCO BANK, INC.
State: GA

Complaint narrative:
Our WestBanco secured credit card was closed XX/XX/2023, The secured balance was applied to the cards outstanding balance and overage was paid to bring the balance to XXXX. 

Over the past 2 months we were told the account was not closed and we were accruing late fees and interest. We have made multiple calls to the bank with no resolution. 

Our next step is civil litigation.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I do not have a contract with Credit control corporation please have this company confirm that I indeed have a contract bearing my signature.CREDIT CONTROL CORPORATION-Account # XXXX this account and in accordance to the Fair Credit Reporting Act Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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 written instructions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX  I initiated a balance transfer for {$1700.00} through my Citi AA credit card. I asked to move the balance from my XXXX freedom flex card to my Citi AA card. 

After waiting 3 weeks I noticed we still had a balance of {$1700.00} on my XXXX credit card. But had an active balance of the same amount in my Citi AA account. 

I called XXXX and asked them why the fund had not been removed. They advised they never received the funds. 

After several phone calls with both XXXX and Citi management, Citi advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to XXXX. Citi provided me with a trace ID to give to XXXX XXXX I then returned a phone call to XXXX and they told me they 1. Can not track credit card transfers with a trace ID and 2. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted Citi and asked that since they recalled the funds they credit my account and cancel the balance transfer. 

I received a temporary credit to my Citi credit card during the investigation process but was returned that credit on XX/XX/XXXX. 

I sat on the phone for 2 hours with Citi bank XX/XX/XXXX and was told the funds were sent to XXXX and until they can recall those funds I will owe them a balance. 

I have tried everything I can think of to get this issue resolved but to no avail. Both XXXX and Citi management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP MORGAN CHASE & CO, deliberately and intentionally closed my credit card account. However, according to JP MORGAN CHASE & CO 's XXXX form for the fiscal year that ended XX/XX/XXXX, XXXX file number XXXX filed with the Security and Exchange Commission ( SEC ) , in section Note 14 : Variable Interest Entities ( VIEs ) on page XXXX Significant Firm-sponsored variable interest entities, Credit card securitizations conspicuously states : XXXX Card Services business may securitize originated credit card loans, primarily through the Chase Issuance Trust ( the Trust XXXX XXXX The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. This in fact confirms it to be a trust relationship which I am the beneficiary of, but received no benefit. A forensic XXXX audit of the XXXX  corresponding to the application/account, can and will confirm that the asset backed security, in this case being the credit card application, also referred to as commercial/chattel paper, was purchased, sold, pooled, transferred, securitized, invested and reinvested on the primary and/or secondary markets in both the public and private sectors. As an investor of JP MORGAN CHASE & CO, I am due equitable compensation. This is a clear violation of the XXXX XXXX XXXX of XXXX. Regardless of the reason ( s ) of the account being closed, I have the right to credit and interest. Withholding my access to my securities is securities fraud, unjust enrichment, a violation of the Equal Credit Opportunity Act ( ECOA ), as well as the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement with the next XXXX ( XXXX ) days, I will have no other option than to pursue legal action for JP MORGAN CHASE & CO 's willful violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, Account # XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
I filed a requested thru CFPB when I saw ir hit my credit score. I have not recieved anything from this company. They went back on my credit I never received a call neither or paperwork. I do not know this company I have never been to TENNESSEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally reports late payments on my credit report without consent or proper notification to deem payments " late. '' They have lied to me stating they would be removed via phone then send correspondence stating they are " accurate '' without sending documentation related to investigation or documentation showed that notification was sent 21 days prior to due date as required by Truth In Lending Act.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank closed account without notifying. Prior to it being closed, I had paid in full at all times. I submitted a payment for it to be paid in full, and it bounced from my bank. 

I called and asked why. It now is registered as eight unsuccessful payments which is the bank payment bouncing without notification. 

They also said it was due to my credit activity which involved a standard opening of a mortgage, car loan, a business credit card, and a credit line for a business computer with a low monthly payment. 

These are unfair reasons, considering I have always paid my account in full and been a responsible and responsive customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
XX/XX/2023 XXXX loan was paid off with check {$17000.00} from dealership trade in vehicle. The payoff of {>= $1,000,000} was deducted from dealership check and overpayment was sent to us of {$370.00}. 
I called Citizens Bank on Friday, XX/XX/2023 requesting a refund of Gap Ins. amount of {$330.00}. The Gap amount was provided to us from XXXX XXXX XXXX. and original dealer trade in was purchased from. 
Citizens Bank transferred call XXXX different times which requires telling issue again, loan number, name on account, etc. Citizens Bank claims the payoff overpayment included the Gap. Clearly the math indicates otherwise. 
After contacting dealership vehicle was purchased from, they stated a check was issued and sent to Citizens Bank a month XXXX and Citizens has the money..I now have to go through rude call center people again requesting refund. 
Still n XXXX XXXX refund has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc
State: CA

Complaint narrative:
I've been trying to resolve this issue with this company and it has been 3 months now and they are not taking this matter seriously. I contacted them about validation of debt and when they provided it, it proved based on laws in the state of Washington that there debt is illegal. 

Based on the documentation it affirms my move out date of XX/XX/XXXX and this would mean based on the law that 21 days later the final move out the landlord must provide the statement as to the disposition of the deposit along with any charges. 


My previous offer is rescinded and I am now fully disputing this entire collection balance. 

This is in regard to our phone conversation regarding the itemized statement you provided in reference to the debt assigned to you by XXXX XXXX. 

As mentioned, the packet of documents you sent over had several addendums and revisions to the final move out report and deposit worksheets that have been presented to us since our move out XX/XX/XXXX. Specifically, the final revision the following line items dated after the 21 days XXXX XXXX had as prescribed by XXXX XXXX which states ( 1 ) ( a ) Within 21 days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in XXXX XXXX, within 21 days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit, and any documentation required by ( b ) of this subsection, together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. 

Note : 21 days was increased to 30 days as of XX/XX/XXXX but that does not apply to this case. 

XXXX XXXX failed to meet this requirement in order to have a legal claim to collect on my security deposit as they did not provide any documentation dated within those 21 days. The documentation provided is postmarked and dated well after the 21 days. 

In addition, there are several deposit worksheets and Move out reports that are conflicting. An examination of the itemization reveals that there was a charge of {$780.00} added on XX/XX/XXXX described as Replace a broken window which is a full 6 months after my move out statement. That is completely unreasonable, unacceptable, and rejected. I feel well within my legal rights to reject any of the line items after XX/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 2023-12-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code {$1600.00} c-2 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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EXPERIAN

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