vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: NY

Complaint narrative:
Hello, the amount of XXXX dollars was stolen on XX/XX/XXXX, from my Key2Benefits Prepaid Debit Card. I reported to the bank right away about those unauthorized transactions. 
On XX/XX/XXXX I received a physical letters that it was confirmed, the money was stollen according to them and the money will be returned on my account, I just have to wait for a new card for two weeks ( I have those letters on my hand ), in the end Customer Support told me that the card was not even sent and then they said that the account was closed by XXXX. 
I contacted the XXXX they told me that account was closed because of scam activity and I have to receive refunds from Key Bank by check or direct deposit. 
Then I called again to Customer Service and they said that the check was sent on XX/XX/XXXX and I have to receive it in 10 business days, but I didnt received any letters .Then I called again and they said that the check was not even send, my question was when its gon na be send? Nobody cant answer me on this question already for tree months .Today is XX/XX/XXXX, I was contacted the supervisor of Key2Benefits Bank again, and the lady XXXX told me, that since I updated my physical address, which I did on NDOL on XX/XX/XXXX they still can not see my new address on file and that's why they can not issue a new check, witch is ridicules because I conformed with XXXX five times that they have my new address on file. I asked to send the check on previous address or where I got the latter from KeyBank on XX/XX/XXXX or make a direct deposit but they told me that they can not. As well I send them the proof of the new address on email and fax, and I have all confirmations that they recived it. 

I just wan na get those fands back. 
I was speaking to supervisors every day and they cant solve my problem and give me some answers. 
Can somebody help me what I have to do in this situation? 
Best regards. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with Speedy Cash. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that Speedy Cash has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with Speedy Cash. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that Speedy Cash takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This furniture company has kept furniture and not delivered it. I'm being billed for something I never received.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX XXXX XXXXXXXX

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 2023-02-23 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX Account number ( XXXX ), XXXX account number XXXX XXXX ), XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 a settlement was accepted between myself, my home insurance company, and roof contractor which was brokered by an attorney who was representing me. 

The insurance company provided prompt payment of the settlement. The total was XXXX, XXXX to be paid to myself, and XXXX to be paid to the roof contractor. 

I took the check to my bank later that week and deposited it into my checking account. Here is the beginning of the problem. The person working the window took the check no problem and gave me a deposit receipt. 

The check was made out to three parties. Myself, the roof contractor, and my mortgage company. I was under the impression that I was to deposit the check and then pay the contractor their due amount. 

Three days later I received a notification from Regions bank that they would not release the funds for the check because all parties had not endorsed the check. I said ok and went back to the bank to retrieve the check but it had already been " sent away ''. 

Long story short I still have not been able to secure my funds. We are in a deadlock between the mortgage company and the bank. The mortgage company wants the bank to release the funds so that it may reissue the check but the bank will not release the check. That being said the mortgage company will not re-issue the check because it would be paying the amount twice. 

It has been over six months of back and forth between all parties involved and there is no resolution in sight. At the very least I seek what is owed to me, though a bit more for the hours and hours of work that I have put into this would be appreciated as well.

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 monetary relief
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX & XXXX account # 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 an 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 2023-02-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX & XXXX account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Chase to dispute a transaction of {$12000.00} with a company called XXXX XXXX XXXX. On XX/XX/XXXX, I purchased a license but due to false expectations, and not getting the service of {$12000.00}, I disputed traction with Chase. I spilt the payment into two chase credit cards chase freedom and chase slate. On my chase slate, I was granted the {$6000.00} in my favor, and on My Chase freedom I was not I called back and In XX/XX/XXXX chase had me submit the documentation again because according to them they had not rec 'd documents they denied again because documents were not sent in XXXX and I did but they didn't rec 'd it than on XX/XX/XXXX, I sent documents again for an appeal but they sent out another letter on XX/XX/XXXX, denied. I called again and they said it always be the same outcome because they did not rec 'd the documents in XXXX. It makes no sense that from which credit card I was granted and for the other I was not for both credit cards are the same documents and the same purchase on the same date. It not fair they tell you there is an appeal and there is not one is because the client wants to appeal and regardless it will be the same outcome. it make no sense so there is not appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This is a continuation of my prior complaint, which was closed without appropriate resolution. 

Reference is made to such prior complaint. 

Moreover, my complaint is that my payment was 30 days late because my payment history in the Mr Cooper mobile application showed a payment being made, when in fact it was not. Had the Mr Cooper mobile application showed my payment was still outstanding, I would have made the payment as needed. Because the Mr Cooper mobile application did not accurately reflect my payment history, the 30 day late notice should be removed from my credit history. 

Likewise, I understand Mr Coopers previous complaint response, but such response does not account for the confusing and inaccurate display of my payment history in the Mr Cooper mobile application. Because my payment history in the Mr Cooper mobile application was confusing and inaccurate, the 30 day late notice should be removed from credit agency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
A Destiny Mastercard was opened in my name that I didnt authorize the description is FEB DESTINY/GF the debit is {$770.00} as of XX/XX/2023 I am a victim of identity theft someone stole my personal information to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The bank said it had a soft ware issue. 
So my money has been frozen for two days and no answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXXXXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, 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 2023-02-23 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, 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 2023-02-23 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: U.S. BANCORP
State: GA

Complaint narrative:
Inquiry on my XXXX Report between XXXX. I received an alert from XXXX XXXX about this inquiry. The inquiry was made by US BANKXXXX XXXX XXXX I am having difficulty reaching someone at the company. I have been on hold an hour, and bounced between calls, and placed on long holds. I have placed an freeze and fraud alert on my XXXX 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 2023-02-23 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: FL

Complaint narrative:
I have attached an FTC report with an account and Inquires that I did not authorize

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 2023-02-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I got a credit card from the XXXX XXXX XXXX  back in XXXX and I was paying it but the card amount kept going up so I stop sending payment and I ask them to send me a payoff amount I didn't receive it so it was on Mr credit report so I assumed they sold the amount to these people Midland Credit Management Inc .And wish they call me I started to them I was only deal with the company I got the card from not make a long story short this company change the Date I open the account with XXXX  XXXX XXXX to make it look I open an account with them XXXX but I didn't they changed the date and year and order to file a law suit against me I didn't get anything from them they file the lawsuit on XXXX XXXX and they put this on my credit report I feel they violated my right of privacy and they changed the date and year I didn't open up nothing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Yes my credit report is not up to date and they are reporting outdated information on my credit report also sharing my information without my consent

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 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: WI

Complaint narrative:
We had some hardships between COVID and some medical issues. The value of our home is substantially more they what is owed on the home. Value is {$210000.00} we owe {$130000.00}. We have requested to have our PMI removed which would lower our monthly payment which would help us with being able to make the mortgage payments but the mortgage company is refusing. We have medical bills to pay and we are also adding more equity into the home by adding another bathroom and bedroom. We really would like the PMI removed to lower our monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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