vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: OH

Complaint narrative:
My ex-wife is a joint holder of this checking account. This account was not set-up with overdraft protection. It has always been my understanding that a checking account without overdraft protection, could not become more than a few cents overdrawn. On XX/XX/XXXX, after the account had already been overdrawn, KeyBank allowed the other account holder to make a withdrawal of {$4700.00}, which left the account some {$3500.00} overdrawn. This was a checking account not a credit account, and the cash withdrawl transaction should have been declined. I called and spoke to an agent who said they would file my complaint. I did not hear anything back. A week later I filled out the KeyBank online complaint form, and still have not heard anything. The withdrawal putting the account in negative needs to be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 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: DE

Complaint narrative:
In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, XXXX, and Transunion have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

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 explanation
Consumer complaint received 2023-11-16 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: DE

Complaint narrative:
In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Equifax, XXXX, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This is concerning Spring Oaks Capital LLC. 
I got a letter from Spring Oaks Capital LLC on XX/XX/XXXX  attempting to collect on a debt that I do not own. I sent Spring Oaks Capital LLC a letter of dispute to the alleged debt on XX/XX/XXXX  for validation of debt under 12 CFR 1006.34 - Notice for validation of debts. After this I waited 30 days and then I sent another letter of Cease and Desist on XX/XX/. I did receive a response from Spring Oaks Capital regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. I did give Spring Oaks Capital LLC a chance in good faith to validate this alleged debt. The problem with Spring Oaks Capital LLC is that they are furnishing information about me without having permissible purposes according to the FCRA, now this makes it an Identity theft, under Title 18 1028 A Aggravated identity theft. Furthermore Spring Oaks Capital is attempting to collect on a debt that is considered income according to the IRS for being a charge off. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance. What are they collecting on? The Original Creditor has already charged off through the IRS with a 1099-C Cancellation of Debt. These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-16 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:
since XX/XX/XXXX  ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.

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 2023-11-16 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:
since XX/XX/XXXX  ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was charged an annual membership fee of {$59.00} with Capital One XXXX  months ago on XX/XX/2023. I have had my card for years and am in excellent standing. I lost my job and can't afford this membership fee, I also won't be using the card to travel ( this is a travel card. ) I called and asked for the fee to be refunded on a pro-rated basis for the remaining portion unused and also to change my card type to a regular card that doesn't have a fee. I asked for the fee to be pro-rated for the unused months since it is an annual fee and I won't be using the privileges for the rest of the year. First, the representative tried to talk me into keeping this type of card which I can't afford. Then she transferred me to a supervisor who said she can't help me at all. I explained to her that it seems predatory to charge me a fee for services I won't be using and I '' m only asking for a portion of the fee to be refunded. She then refused to give me any more information about her supervisor or who else I could talk to once she told me there is nothing she can do for me after being a customer for XXXX  years and paying this fee. I'm going through a hardship and after a decade in good standing with Capitol One they are refusing to refund me for a fee that is charged for services I won't be using. In addition the supervisor said the system wouldn't allow her- she shouldn't be a supervisor if she isn't empowered to actually help customers. I told her that this seems predatory and unfair and I was writing to the CFPB and she basically said she doesn't care- making even more work for her company- over a {$59.00} fee. Her ID is XXXX XXXX XXXX. By the time this complaint is reviewed and the time it will take to remediate it, Capital One could have just given me, a good customer of over a decade, the fee back. This is deplorable that banks feel the need to squeeze customers at a time when we are going through a hardship. I am also writing to the XXXX, the XXXX, and will be tweeting about this and posting on socials for my following of XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: PA

Complaint narrative:
I am formally requesting verification of the information associated with the accounts in question through the relevant companies. Additionally, I require copies of any documentation pertaining to these accounts bearing my signature, thereby authorizing any contracts. In the absence of such signed documentation, I explicitly request the prompt removal of these fraudulent accounts, inaccuracies, and inquiries from the credit file linked to my Social Security Number. 

I want to bring to your attention that, in accordance with the Fair Credit Reporting Act section 611, you have a 30-day window to complete this investigation. By violating the FCRA, I am open to settling any civil liability damages resulting from your infringement for {$1000.00}, as outlined in FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Failure or refusal to remit payment of {$1000.00} within ten ( 10 ) calendar days of receiving this notice will prompt me to pursue actual damages exceeding {$1000.00}.

Kindly expedite payment via Certified Funds to my registered home address.

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 2023-11-16 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: PA

Complaint narrative:
I am formally requesting verification of the information associated with the accounts in question through the relevant companies. Additionally, I require copies of any documentation pertaining to these accounts bearing my signature, thereby authorizing any contracts. In the absence of such signed documentation, I explicitly request the prompt removal of these fraudulent accounts, inaccuracies, and inquiries from the credit file linked to my Social Security Number. 

I want to bring to your attention that, in accordance with the Fair Credit Reporting Act section 611, you have a 30-day window to complete this investigation. By violating the FCRA, I am open to settling any civil liability damages resulting from your infringement for {$1000.00}, as outlined in FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Failure or refusal to remit payment of {$1000.00} within ten ( 10 ) calendar days of receiving this notice will prompt me to pursue actual damages exceeding {$1000.00}.

Kindly expedite payment via Certified Funds to my registered home address.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act, XXXX XXXX account ending in ( XXXX ) has violated several of my rights. 
15 U.S.C 16681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Remove these account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 



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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act, XXXX XXXX account ending in ( XXXX ) has violated several of my rights. 
15 U.S.C 16681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Remove these account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporti
ng Act. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I sent a wire transfer to CitiBank in the amount of {$290000.00} to be deposited in account # XXXX in the name of XXXX XXXX XXXX On XX/XX/2023, I requested my bank, XXXX XXXX XXXX to request a refund due to disagreement on the services provided. Such request was with the consent of the recipient. XXXX XXXX made several attempts to retrieve the funds but was told repeatedly that the recipient 's account was under review. 
More than XXXX months later, the wire transfer has not been refunded.

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 2023-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act, XXXX XXXX account ending in ( XXXX ) has violated several of my rights. 
15 U.S.C 16681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Remove these account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 



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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I requested a cash advance from XXXX in the amount of XXXX. The outstanding balance is XXXX. I was unable to settle the balance at the time of the due date because I lost my job. I am currently unemployed. I submitted a revocation of ach and/or debit authorization to XXXX on multiple occasions. There is no way for me to speak to anyone over the phone and I can't get through to anyone in the " chat ''. The only I'm able to contact support is by email. I received email confirmation that I would no longer be subjected to ACH transactions. However, they still continue to process ACH transactions, and according to my bank they've made multiple attempts to debit my bank card. I specifically asked to cease all transactions in which they use my banking or debit card information. They continue to process ach transactions with the most recent leaving my account in the negative. Furthermore, none of those transactions are going towards the outstanding balance. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a debit transaction from my on-line XXXX XXXX XXXXXXXX account XXXX 

The money was taken, out, and sent to Regions ...... Regions claimed... they never received my payment to their bank card. 

Please help, I'm being robbed by the banking system!

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 2023-11-16 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-16 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: MO

Complaint narrative:
Once again experian is closing disputes without resolving the issue. They give reasons that have absolutely nothing to do with the fact they stole 17 months of on time never late payments to XXXX and refuse to give them back

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 2023-11-16 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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