vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Received notification on XX/XX/24 of my account being closed as they claimed my credit score was not worthy and stated it was at a XXXX. I filed a dispute on XX/XX/24. I have evidence that states my score is XXXX higher than theyre reporting, but now they will have damaged my score when the next reporting schedule happens. 

I have never missed a payment and had no outstanding balance at time of closure and have no recent ( >2 years ) derogatory marks from any of my other creditors that I currently have for revolving 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 2024-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank of America and XXXX XXXX XXXX initiated the foreclosure process by sending illegal notice of default and sale to the borrower, demanding payment after a XXXX XXXX bankruptcy discharge.The bank can not demand mortgage payments in the notice of default and sale because the debtor is no longer personally liable for the debt. The bank must follow the procedures outlined in the bankruptcy laws and can not pursue the debtor for repayment of the mortgage debt. If the bank includes any demands for payment in the notice of default and sale, they are in violation of the discharge injunction and could face legal consequences. It is important for individuals who have filed for XXXX  XXXX bankruptcy to be aware of their rights and protections under the law.

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I am writing to file a formal complaint against KeyBank regarding their handling of a dispute process, theft, and unauthorized transactions on my account. Additionally, I am seeking assistance regarding unauthorized transactions on XXXX XXXX that occurred while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX, I became aware of unauthorized transactions on my KeyBank account totaling over {$10000.00}. These transactions were clearly taking advantage of me during a vulnerable time as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I believe these unauthorized transactions were conducted without my consent or knowledge. 

Despite my repeated attempts to resolve these matters with KeyBank, I have encountered significant challenges in obtaining a satisfactory resolution. Their dispute process has been ineffective, and they have failed to adequately investigate or address the theft and unauthorized transactions on my account. 

Furthermore, I have also experienced unauthorized transactions on XXXX XXXX during the same period. These transactions appear legitimate and were conducted without my authorization while XXXX XXXX XXXX. I suspect that these transactions are related to the same individuals who took advantage of my situation to exploit me financially. 

Key Bank has denied more than 80 % of Disputes that I have filed with them with a conflicting conclusion and furthermore to rush the investigation to avoid the provisional credit that is given within 10 days per regulation E. 
Also I had a dispute for XXXX XXXXXXXX XXXX XXXX XXXX  that was reversed .No explanation or proof they came to my home to complete the installation. They did not do it correctly and used the wrong color. After several failed attempts to contact them I contacted the Bank as they should not have been paid for an incomplete job. It is my right as a consumer to reverse the payment if the job was not complete. Key Bank did not allow me to exercise that option. And I had to pay another company to complete there job. 
Finally I have reported all unauthorized transactions to the relevant authorities. 
I appreciate your urgent attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any further information. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus have been violated my rights. I didnt give them consent or written permission to report in accordance to 5 USC 1681b. 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 my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. This is causing my livelihood to be affected see attachments

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 2024-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was a victim in the XXXX XXXX scandal which involved fraud, high pressure recruiting, misrepresentation ( claimed to be accredited when they weren't ), and various other issues. President Biden recently announced that the government will be discharging federal loans for all students who attended the XXXX XXXX, as per the articles I have pasted below from Dept of Education and whitehouse.gov. I would like to request that the remaining balance of my private loans with Navient also be discharged. I was victimized by this school, and the federal government has recognized that. I believe my fraudulent private loans should be discharged in the same manner. Please advise how I can proceed with this request. 

Dept of Education Article : XXXX XXXX XXXXXXXX XXXX from White House XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-10 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I beg you please remove this from 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 2024-05-10 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:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following these submission, XXXX XXXX XXXX have removed these accounts from their records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
XX/XX/year> I received XXXX overdraft fees of XXXX each. I called my branch asked to speak with manager who was out. The rep I spoke with when I asked about crediting my fees said she wasn't authorized but would have manager call me next day. I asked if I made a mobile deposit that day if I would incur an additional fee & she said no the deposit would go through first ; I asked her 3 times. She gave me incorrect information as I received another {$35.00} fee. Next day I called branch again & was told manager not in - different employee again who was extremely condescending to me ; just asking questions that made me uncomfortable. I then called customer service line & was given XXXX {$35.00} credit & was told message being sent to branch manager & they would call back next day. No call - I called & finally spoke with manager - wouldn't credit the fees & was extremely rude-I told her how I was given wrong information- she didn't care. Then she proceeded to give me more wrong info about why I got the fees. She was so rude I asked to speak with her boss- XXXX XXXX district manager. She said she would call me right back. 10 days later & no call- this is horrible service they don't care how much they charge & have no respect for the customer at all. I didn't receive the documentation about the why the fees incurred until one week later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a complaint against Capital One. I am a current credit card customer and previously had an auto loan through them. They sent me an offer to refinance my current auto loan through them without it impacting my credit. I was approved and even signed a letter of attorney to have them get the lien. They are now calling me multiple times. When I call back it goes to an automated message saying I am approved. I have to go to another automated message to speak to customer service and they say they need one of my bank account information. I have given them all of the information in the documents and I can not get through to a supervisor. I have called three times. I want this loan canceled and the hard inquiry off my credit report. I am considering canceling my capital one credit cards because I do not trust them with my information at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX was trying to charge for old internet equipment that their installer took when we were getting our new fiber internet service hooked up with new equipment at our new home. Now sold it to TRANSWORLD SYSTEMS INC and put it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MO

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am sketchy on the date this happened exactly but I know for a fact it was on the XXXX of the month of XXXX or XXXX. I visited Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX XXXX XXXX ) to use there ATM for I had just received my monthly stipend. I was looking forward to the relationship I would be building with Navy Federal and was moving from XXXX bank so I was excited and entered the branch early around XXXX XXXX  ish. I attempted to deposit {$300.00} into the last ATM machine. While doing so the money jammed in the machine, the machine began to malfuction and restart I waited and waited to see if it was just restarting because it was early or something, but the machine did in fact restart but so did the whole transaction and I recieved no receipt or got to chance to complete my transaction I looked up and noticed that there was a camera right above the machines. I then waited for the bank to open and came back to that same branch and spoke with a younger lady who basically told me this is not a XXXX XXXX bank so there wasn't much they could do and that I needed to contact my bank and tell them what happened. I immedialety contacted XXXX XXXX and explained what happened and to make a long story short I was given a credit and it was taken back because they claimed to have conducted a thorough investigation on. I am out of it feels like {$600.00} but really {$300.00} and that is my bill money for the month I owe people because of this debt I have also requested proof of this thorough investigation because again there was a camera right above the ATM machines so there should be footage of the day I came into the bank twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I was attempting to dispute a charge I made with a company that did not produce an invoice when requested multiple times. Consistent with the TOS, I disputed the charge as too high, but not the full amount. Upon reading the terms, I was entitled to a full refund. 
The disputed charge was {$1200.00} on XX/XX/23 with my Apple Card. The company promised to provide me with an invoice. After months of trying to get XXXX from them, I gave up and requested a dispute. 
I have been trying to explain to XXXX XXXX that the full amount is in dispute. It's been months going back and forth so I could really use your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus have been violated my rights. I didnt give them consent or written permission to report in accordance to 5 USC 1681b. 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 my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. This is causing my livelihood to be affected see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus have been violated my rights. I didnt give them consent or written permission to report in accordance to 5 USC 1681b. 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 my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. This is causing my livelihood to be affected see attachments

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 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Arthur B. Adler & Associates, Ltd
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, sent me a Validation of Debt letter to sign regarding an outstanding balance with XXXX XXXX. They wanted to collect a one time payment of {$1000.00} or 10 payments of {$190.00}. 

I contacted XXXX XXXX who took over XXXX, and they said i have a balance of {$120.00} from 2011. The account numbers matched what was on the letter from the " attorney ''. That {$120.00} was then given to XXXX XXXX XXXX and then to XXXX XXXX. They did not give any of information to this Attorneys office. 

I just paid the balance of {$120.00}. This XXXX XXXX XXXX are trying to scam me for {$1000.00} or more. Please help.

Company response to consumer: Untimely response