vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: AES/PHEAA
State: GA

Complaint narrative:
The creditor AES has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, XXXX refuses to correct the erroneous reporting. I have provided documentation to XXXX from the creditor, and AES has confirmed that they sent the proper information for XXXX to change the account status from closed to open and to update the actual balance for each account, but XXXX refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted XXXX directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. XXXX is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The creditor XXXX has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, Equifax refuses to correct the erroneous reporting. I have provided documentation to Equifax from the creditor, and XXXX has confirmed that they sent the proper information for Equifax to change the account status from closed to open and to update the actual balance for each account, but Equifax refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted Equifax directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. Equifax is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account Numbe XXXX XXXX XXXX on XX/XX/XXXX I wrote a letter to capital one regarding a charge I disputed. Never heard nothing back then wasnt to sure what to do but was told I had to XX/XX/XXXX to pay the amount that was overdrawn and prevent it from being closed. When I tried to use my Online account to transfer fund I logged in online to see that the account was already closed on the day of the XX/XX/XXXX. 
By then I was more concerned with being reported to the credit bureaus and XXXX XXXX XXXX. So when I called the week before I said I would make a payment on XX/XX/XXXX but when I went to the branch they where having issues or the power was out something to that effect. 

As the collections department they where already closed I knew before when I called I had until XX/XX/XXXX from my speaking to the agent in the collections department to bring the account positive and when I tried to that day it was already closed when I tried using the ATM card at XXXX to load funds on the account using a XXXX XXXX XXXX for XXXX so I called back and asked what I had to do. Said pay the overdrawn balance which I did by phone on XX/XX/XXXX. But the representative told me that you need to call a few days before the account closure date to prevent from it closing. I was not told that the first time I called. I was told the first time I had until the end of the business day on XX/XX/XXXX to prevent from the account closing and being charged off. 

So on XX/XX/XXXX I made a payment via check by phone to clear up the balance and then reopen a new checking account. I was told after you pay this you would be get a for a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against KeyBank for their failure to provide adequate notice regarding why my funds were being held and their failure to assist me in accessing my funds in a timely manner. As a result of their actions, I have experienced significant inconvenience and financial hardship. 

On XX/XX/XXXX at XXXX XXXX, I deposited a settlement check ( XXXX XXXX ) payout from my attorney 's XXXX bank account at the Key Bank branch in XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Ny . The teller informed me that funds would not be available immediately but possibly 24 to 48 hours. {$100.00} was made available by XX/XX/XXXX at XXXX XXXX., but it was no longer available by midnight on XX/XX/XXXX. 

When I contacted KeyBank customer service, the representative found no notations on the account or listed reasons for the lack of availability. When I went to the KeyBank branch in person, they told me that nothing could be done to make the funds available. I requested to speak to a manager and was given a phone call to speak to XXXX who worked in the XXXX Department. XXXX stated that the funds were on hold due to fraudulent precautions, but no attempts were made to rectify, assist, or expedite in any way the clearance of the check. XXXX did not provide his full name and did not show any concerns for my urgent matter. 

Following the conversation with XXXX, I was emailed a notice from the bank that seemed discriminatory and was not provided despite multiple requests for answers. 

I believe KeyBank failed to provide adequate notice to me regarding why my funds were being held and failed to assist me in accessing my funds in a timely manner. As a result, I have experienced significant inconvenience and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I continue to receive emails before XXXX from Upgrade. According to Florida law it is illegal to contact an individual by phone, text or email prior to XXXX. This has continued to happen multiple times from Upgrade. I have already reported this issue and nothing has been done. If this continues without a resolution, I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
There has been a problem with billing with this company. This keeps coming back. In XXXX I was on medicaid. XXXX XXXX was paid through medicaid and financial assistance. The amounts were paid. I have not received any statements from XXXX XXXX stating I owed money because it was paid. Now in XXXX here we go again. Now its a different collector Arcadio stating I owe {$1300.00}. First it was the XXXX XXXX now its Arcadia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-28 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I was trying to transfer funds to another bank through their own online application and 2 days after the transfer was started they locked down my account on Friday XX/XX/23. My account was locked due to suspicious activity. I called Ally bank about the issue and was told that my account was under investigation and my account will be locked until an agent reviewed my activity. No one has told me why it was locked down and no one will let me speak with the investigator. 
One agent told me in a call on Monday XX/XX/23 that my account should be reinstated by Tuesday XX/XX/23, but when Tuesday came another agent told me it could take up to 10 more days. I can not believe this as the other agent lied to me. So as far as I understand my account is locked and all the money in it is inaccessible with no end date. 
They will not reinstate my account because " They can not verify my identity '' but I have successfully and continuously answered all my security questions and have asked to verify my identity though multiple methods.

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 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESBANCO BANK, INC.
State: MD

Complaint narrative:
I have a {$720000.00} mortgage with Wesbanco. I lost my XXXX XXXX during the pandemic and came to an arrangement with Wesbanco to put my mortgage payments on hold for several months. I kept in close contact with the bank and when I resumed payments I was told that I had to make a number of lump sum payments ( between 5-10K ) to account for back payments. When I completed all of those payment I thought my payments would continue as normal. Instead this is the case : 1. I receive dual statements from Wesbanco each month. One says that I owe {$5100.00} and the other says {$6800.00}. Very difficult as a small business owner, single father of XXXX children to budget accordingly. 

2. I have asked Wesbanco employees repeatedly IF the mortgage has increased, why? What would case a 25 % increase in a single year? I was told by one employee that I would be emailed a breakdown- it never arrived? I have been passed around to SIX different Wesbanco employees and no one is able to explain this to me?? All I have been told is that I need to pay Wesbanco nearly {$20000.00} more this year. 

3. I have asked repeatedly why, XXXX XXXX, a contractor that works for a Consumer Workout Group, has to MANUALLY take money from my account each month instead of software like EVERY other bank I deal with. Some months when human error occurs and XXXX takes the mortgage twice it is a real problem for me ( and can not be standard banking practice ). This is clearly a Wesbanco unresolved software issue. 

4. Why do I CONTINUE to wake up to frustrating, distracting emails informing me that I have a FAILED TRANSFER when I have MORE than sufficient funds in my account? Currently I have nearly {$13000.00} in my account yet I received a letter from Wesbanco today threatening to report me to a Credit Bureau because I have insufficient funds to pay the {$6800.00} they are demanding? 

I have tried for many months to resolve this matter. I have sent countless emails, been on the hour for hours and have spoken to more Wesbanco employees than I count. Banking shouldn't be this hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had my identity stolen and someone opened six fraudulent capital one accounts with my information. I have already submitted a police report and CFPB complaint about Capital One and five out of the six accounts have been removed from my credit score. One credit card account is still being linked to my information as capital one is still saying it belongs to me, and they are reporting a past due charged off account to my credit to XXXX alone. I have tried for months to remedy and Capital One has been extremely unhelpful and their fraud examiners do not call me back or update me on the dispute as they just close it. They have been awful to work with and nobody wants to/can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-28 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a Macy 's credit account and they provided me with a temporary card. I received a bill for the balance before I received a physical card. The bill did not include a full account number so I used the account number referenced on the temporary card and paid in full ( XXXX ) via my on-line checking account. They took the payment but lost it. I received a second bill stating balance was not paid and charging interest. I immediately called in, explained my issue and was told another department would look into it and call me back. They never did. I have contacted the credit card company no less than 5 times. I have sent them proof of the payment with amount and their name on the withdrawel. I have shown they never returned payment so they still have it. Within 30 days of sending them this information they reported non payment to the credit bureaus. I have sent the credit bureaus the same proof but apparently my credit score keeps going down. The bills even say the account is in dispute and I do not owe the disputed amount at this time, but the only other charges on the account are the fees and interest on the {$330.00}. I recently applied for a XXXX XXXX XXXX and was denied due to this issue. How do I get this removed from my credit report, restore what was an excellent credit rating and get Macys to apply my on time and in full payment that they took on XX/XX/?

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Several years ago, I was XXXX  with an undisclosed illness. I was taken for a rode from XXXX to XXXX regarding this illness and had been charged many XXXX fees. I think some friends and associates of mine stole my credit card while I was traveling. There were so many charges at XXXX and things and I believe the charges were fraudulent. I am am authorized user of this card which is under another name. 
I have already asked for XXXX XXXX to Step In and assist. XXXX XXXX. I have asked why in the world do I have a Credit card balance. Remember my Navy Federal account was to be used for the transaction involving the XXXXXXXX XXXX? 
I don't understand why the fraudulent charges are still there and why there is a balance on the NavyFederal Card Anyway. 
Please may someone assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I posted a check of {$5800.00} to a XXXXXXXX XXXX in XXXX. I advised then it was en route. 

XX/XX/XXXX Check # XXXX was posted XX/XX/XXXX Check # XXXX showed on our account XX/XX/XXXX I contacted XXXX XXXX, who advised that the check had not been received. I told them that the said check had indeed been cashed. XXXXXXXX XXXX checked but came back to say nothing had been received. 

On checking our account we see that the check was not endorsed on the reverse side and immediately contacted Chase Fraud Dept. We made a Declaration of Unauthorized Endorsement as requested by Chase. Since then we have made many phone calls and a visit to our local Chase but to no avail.

I learned from Chase the the bank where the check was deposited was XXXX XXXX XXXXXXXX On XX/XX/XXXX we received a letter from Chase saying that the depositing bank is responsible for repayment but had not responded to the Chase claim. Chase now say if they do not hear within 90 days of our clam submission they will close the our claim and the funds will not be recovered. This can not be correct - Chase know the bank where check was deposited and XXXX XXXX XXXXXXXX must know who cashed the check. It all seems very straightforward.

Company response to consumer: Closed with explanation