vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: TX

Complaint narrative:
I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back. 2. There was a direct deposit from my husband into this account. I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 14 days - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX  XXXX. 

Finally I got XXXX letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. 

Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: AL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2023 I called to cancel my XXXX XXXX XXXX Credit card as it has a {$99.00} annual fee and I dont use it. They convinced me to take a lower card with no annual fee. I was told I would get a new card and dont pay the {$99.00}. I received my next statement with the {$99.00} annual fee. I was told again, do not pay it. I then started getting future statements with the {$99.00}, late fees and interest. I have spent 3 1/2 months calling and they credited almost all of it except for an interest balance of {$6.00}. I called the past 2 weeks and spent over 55 mins on each phone call, still not fixed. My problem has been transferred to supervisor etc, but Im getting no where. Every time I call Im told it will definitely be fixed in 5-7 business days. I receive daily phone calls ; emails and texts stating I have a past due credit card bill. Im at a loss and Im sure I will start getting late fees soon on this amount. The situation has actually become harassment as I receive notifications every day about this past due bill. I have excellent credit and dont need it ruined by something like this. I have several credit cards and I have never been through anything like this.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT 2 MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I MAY AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST 4 MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE MAY HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY. I have been trying to resolve this issue even after the initial complaint, and Ive gotten nowhere everyone I speak to you over at the company, keeps repeating the same thing over and over and over again. Nothing has been done even though it was technically their fault

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
same issue i reported last year : transunion and XXXX still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. XXXX demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
same issue i reported last year : XXXX and equifax still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. XXXX demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TN

Complaint narrative:
I have NO knowledge of this account. I was in the XX/XX/XXXXXXXX data breach

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 2023-10-19 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: TN

Complaint narrative:
I have NO knowledge of this account. I was in the 2017 Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-10-19 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent in my driver license social card to removed old inquiries a stuff I didnt not do they didnt removed nothing. I sent in documents three time XXXX XXXX an XX/XX/XXXX am also XXXX XXXX I let them know the date of birth was wrong on there plus mailing address that I havent stayed at

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has deleted 2 Credit Card Accounts that are current and in very good standing. They are my XXXX XXXX cards ( XXXX & XXXX ) Credit history length is a large factor in my credit report and both are about a year old and now DELETED no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19 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: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
I have NO knowledge of this account. I was in the XX/XX/XXXXXXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted company and told Ive never resided at address that bill was sent too being that this is a medical bill and they shouldnt have my information, bill collectors was very rude hanging up in my face, I called XXXX and had the address removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I requested a payoff letter. I received the pay off letter and processed the payoff accordingly with my credit union and a check was sent off. Some one called me during work hours when I was in the middle of a shift and said they received the check. I let them know they would need to call me back. They never called me back and I have gotten the run around while the pay off amount keeps getting bigger. They will not apply the payment and this is a part of a debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
For a year now Ive been receiving letters in the mail demanding the full debt amount, or else they will send the account to an attorney in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-10-19 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: DISCOVER BANK
State: WA

Complaint narrative:
I ordered a service from XXXX XXXX on XX/XX/. The price that it showed was XXXX XXXX, which is approximately XXXX USD. However, they actually billed me XXXX USD, which is way much higher then. Therefore, I would like to dispute the difference because of exchange rate error, which is XXXX USD. 

I managed to contact the merchant, however they refused to admit they have a pricing error or currency error, and they insist that I used USD as currency of purchase, which is not the case. From the screenshot that I attached, I clearly used ARS as currency of purchase. Therefore, I would like to make that dispute.

I also managed to dispute with the credit card company, Discover Bank. I submitted a dispute on XX/XX/XXXX XXXX They rejected my dispute on XX/XX/, and mentioned they will send the information given by the merchant to me. However, they never send that information to me. Therefore, I would like to continue to dispute the difference because of exchange rate error, which is XXXX USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
An account was opened on or about XX/XX/2017 with XXXX XXXX XXXX CT. A balance of {$5100.00} is being reported to Experian as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXX CT and Experian never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Experian is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXX CT nor Experian have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.

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 2023-10-20 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My new payment was scheduled for XXXX XXXX XXXX The loan servicer, MOHELA, was supposed to provide me with a bill 21 days prior to payment. I paid my minimum payment on the XXXX but as of the date of this writing, have not received a bill or an explanation of how my payment was applied. When I called MOHELA the wait times are over an hour. I am unable to wait for over an hour to talk to them because of my work schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation