vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I opened the free checking acct online on XX/XX/XXXX for the XXXX bonus for a direct deposit and meet all requirements.On XX/XX/XXXX I had a direct deposit of XXXX deposited and it was credited around XX/XX/XXXX. No problem yet. 
I was sick with a case of XXXX and could and would not go to a bank. I had bought 2 money orders for XXXX at an XXXX XXXX  store and another money order for XXXX from the US Postal Service before I was ill. I had paid a fee for these also and have receipts also showing I paid in cash. 
I used the Key Bank mobile deposit system on my phone to deposit these 3 money orders via mobile since I was not going to the bank. I received acknowledgement of the 3 deposits totaling {$1400.00} I checked my account a few days later online and found out it was locked! I called the XXXX # the site said to call. After being bounced around for almost 45 minutes, I was told they are investigating " fraud ''. This is outrageous. I duly and legally purchased these money orders and mobilly deposited these items. I called the local branch in XXXX NY and spoke to the manager XXXX. She was quite professional and told me that they are investigating fraud. She told me it would take at least 10 days!!. I also received a letter from Key on XX/XX/XXXX telling me the deposit of XXXX is on hold till XXXX Today is XXXX.Today I received a mailed statement with my XXXX deposit listed along with my total balance of {$1900.00}. I want access to my funds now. This investigation like I am a criminal is a total sham. I also want my XXXX bonus which is not on todays mailed statement! So far its almost 2 months that I have no access to my acct and they are holding my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report from Equifax and notice that there are some inaccuracies in my file. 

XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - payment history is inaccurate ( documentation provided )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have written to the Transunion regarding a personal information error on my credit file with regards to employer. I have also provided the name of the company and the official registration and seal of the company active status from the State of Florida. These information was sent by registered mailed, which was collected and claimed to be corrected, however the company name given is still shown as XXXX. The correct information is XXXX XXXX XXXX XXXX XXXX. This is personally affect my application status for additional credit and any application for loans. I have spoken with customer service representative at Transunion, who indicated that the file was updated. i have also copied your organization on this matter and the issue is not resolved. This is unacceptable and poor service from both organization. Please have this issue resolved immediately. 
Also another issue I have is that i am using the given numbers provided by XXXX services to remove a security freeze on my credit report. the service is extremely poor, after providing the information, its rerouting me online to get pin to resolve the issue. numbers given on are XXXX and 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 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I already have an active complaint which Chase reached out to me and was supposed to stop payment on 2 checks and deposit them back into my account. Only one check was deposited and so I called today and at first was told the other check would be released by the end of today! The end of today came and no check! I called back and they said they had no recollection of this! I want my funds deposited back into my account NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: TX

Complaint narrative:
Inaccurate information reporting to credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a letter to Equifax over a month ago to update my personal information and I havent received a response back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX  has fixed the error but TransUnion & XXXX have not.

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 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Talked to XXXX and reported that my info was compromised with XXXX XXXX. I never apply for money over internet nor give my social

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a letter to TransUnion about a month ago to clear up my personal information and havent heard anything back yet.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Around XX/XX/XXXX, I applied for credit through capital one. They approved me and then said I had to make a down payment of {$99.00} and that my credit limit was only {$200.00}. This violates my rights as a consumer under the truth in lending act and fair debt collection practices act. I did a credit sale to extend my own credit back to me, capital one ran my credit, using my credit card ( social security card ) making it a consumer credit transaction meaning all finance charges were paid indirectly by me when my credit was ran. Asking me for a down payment is illegal and not following the protocols of debt collection is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$9200.00}.

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 2021-09-03 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: UPGRADE, INC.
State: CA

Complaint narrative:
In late XXXX to early XXXX, XXXX, my XXXX  account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with Upgrade Inc. After I obtained access back to my XXXX  account, I placed a fraud alert. I was not notified of the Upgrade credit card account until mid XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted Upgrade. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from Upgrade Inc regarding this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Experian report and found an inaccurate open date for the XXXX XXXX account listed on my credit file.

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 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Contacted the National Credit XXXX XXXX today XX/XX/XXXX and spoke to XXXX guy. The person was trying to intimate me by being hostile and rude to provide my information on the phone. I let them know its not me & they were on my credit report. 

I have never received nothing from their company in the mail ( wrong address provided by him ) about this matter & i told them to take it off my credit report. 

They have the wrong person. 
There is another person with same name as me who lives in XXXX XXXX. 
He refused to do anything about the matter and said to file a police report. 

I have filed a dispute with XXXX  credit report on this matter. 

I never had a credit card from a XXXX credit card company and the error made a last payment back in XXXX. 

Wrong person & put on my credit report as Collection case. 
I never opened a XXXX credit card XX/XX/XXXX and someone made payments on this card recently! 

This is a 2nd credit card company trying to ruin my credit ( other one taken off me ), who has done this to me. Really! I will sue them if I have too!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used Sapphire Chase Card points to book a trip to XXXX ( XXXX Confirmation No. XXXX ) on XXXX XXXX. It was cancelled due to Covid-19. 
I received the money refund from Chase, but they never refunded my XXXX points to my credit card. 
I have asked 3 or 4 times for them to refund the points. Each time they assure they will do it and never do. 

I want my Chase Sapphire Account to reflect the correct points available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is reporting on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XXXX XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I have called several times about my card declining when i use it for online purchases and i store purchases. I keep getting my card locked and supposedly noted to the account details so that it doesnt happen again but its just a vicious circle calling and waiting calling and waiting calling and waiting with broken promises and i also paid the annual fee early. never had such bad service in my entire credit card experience.

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a letter to TransUnion a few weeks ago and havent heard anything back as far as if there is an investigation started.

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX has fixed the error but XXXX  & XXXX  have not.

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I sent a letter to Experian a few weeks ago and still havent been notified as to what the status is.

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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performant Financial Corporation
State: MD

Complaint narrative:
I am a Consumer and Creditor as per USC 1692a ( 3 ) ( 4 ). This is the second time I received a letter from this debt collector as per USC 1692a ( 6 ). I sent it back with NO CONTRACT RETURN TO SENDER label. This debt collector has refused to cease further communication with me after I requested them to stop. USC 1692c ( a ) ( c ). They have doubled their alleged bill amount. Now, I am going to invoice them for the FDCPA violations. I did not give this debt collector prior consent to communicate with me USC 1692c ( a ). As a Consumer I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax a few weeks ago and havent heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
In late XXXX to early XXXX, XXXX, my Experian account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with XXXX XXXX After I obtained access back to my Experian account, I placed a fraud alert. I was not notified of the XXXX credit card account until XXXX  XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted XXXX. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from XXXX XXXX regarding this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Due to the pandemic, the public is entitled to free WEEKLY credit reports from Equifax, XXXX, and XXXX. At the site recommended by the CFPB, XXXX XXXX XXXX, I am unable to obtain an Equifax credit report online. This is due to the " security questions '' that are posed -- Equifax must have erroneous answers to some of these questions. This forces me to request my credit reports through the mail, and I send my requests certified with return receipt due to the confidential nature of the request form 's contents. This costs {$7.00}. I am at risk for identity theft due to a transgression by XXXX, and I need to request my credit reports frequently. 

On XX/XX/2021 I sent ( via certified, return receipt mail ) a complaint letter to Equifax concerning this matter, as my pandemic budget did not originally include {$7.00} every time I want to check my credit report. Equifax never acknowledged the screening question issue, instead sending two copies of my credit report that I'd requested previously through certified, return receipt mail. This did not solve the problem of the company 's online screening questions having erroneous answers and serving as a barrier. I am still stuck having to pay {$7.00} to obtain what I should be able to get online for free.

Company response to consumer: Closed with explanation