vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
In early XX/XX/XXXX, I went to KeyBank at XXXX XXXX XXXX XXXX, XXXX, OH and applied for a home equity loan. The loan officer specifically stated that KeyBank would be in touch with me to request income verification. 
My wife and I received letters from KeyBank dated XX/XX/XXXX ; attachments. And I received a letter dated XX/XX/XXXX denying our application; attached. 
The denial letter listed 1 ) Bankruptcy and 2 ) Excessive Obligations in Relation to Income as the reasons for denial.

1 ) KEYBANK NEVER CONTACTED ME OR MY WIFE TO ASCERTAIN OUR INCOME 2 ) A few days after receiving the denial letter, I went to a different KeyBank branch from the one at XXXX XXXX XXXX XXXX and asked an officer there ( XXXX XXXX ) how long prior to an equity loan application would a Chapter XXXX Bankruptcy have to be discharged for it not to be an issue and she said that a Chapter XXXX would have to be discharged two years before the application. MY WIFE 'S CHAPTER XXXX WAS DISCHARGED ON XX/XX/XXXX ( attached ), WHICH IS ALMOST THREE AND A HALF YEARS BEFORE THE APPLICATION. 
Since BOTH of KeyBank 's reasons for denial are bogus, we believe that KeyBank denied our application on the basis of our ages. I was XXXX in XX/XX/XXXX and my wife was XXXX. 
And when I spoke with a KeyBank rep who called because on XX/XX/XXXX, I sent a letter to KeyBank, I asked how KeyBank obtained our income information, she just said " We have it ''. And when I once again asked from where was it obtained, she said again " We have it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was victom to fraud/scam on XX/XX/23. I thought I was purchasing items off of XXXX from a friend, however the friends account had been hacked so it was not them selling but a scammer. When I learned it was a scam ( within an hour of the transaction ) which was initiated through XXXX ( which is connected to my fifth third checking account i tried to cancel via XXXX but that showed a completed status and XXXX stated I needed to contact my bank. I contacted my bank as the transaction had not shown up. I informed them of what had happened and I wanted to get ahead of the situation before anything could be processed. They stated they could not do anything and I needed to wait until it showed up on the account and to call back the next day. I called the next day ( XX/XX/23 ) as it showed a pending status. I asked if I could do a stop payment and I was told stop payments didn't always go through and the best thing I should do would be to call back after the payment processed and file a dispute. I again informed them of every detail that had happened and wanted to know the best option/route to take for a fraudulent claim. They again told me to call back after the payment had processed and I could file then. 
I called again on XX/XX/23 after the payment had processed as i was instructed to do and tried to file a a fraud claim and was told I could not file a dispute because I initated the transaction and I needed to contact the merchant ( scammer ) to get my funds back. Fifth Third said there was nothing they could do, to which I don't understand why I was told to call back and file after payment had processed or to even try to contact the person who had hacked an account and, made a fraudulent claim to try to get my money back? I thought the banks were supposed to help in cases of fraud. 
I had even went and reported the case on the ReportFraud.ftc.gov website and gave the Report Number to the individual at Fifth Third. Hopefully with the paypal account that was provided they may be able to track down the individual and put a stop from this happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Velocity Portfolio Group
State: TX

Complaint narrative:
The reason I am submitting my complaint is because I paid the account in full and I have come to an agreement with CKS Prime Investment, The Lates were to be removed and no longer reported.

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 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Transunion, XXXX, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-05-12 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: LEXISNEXIS
State: GA

Complaint narrative:
I have disputed a bankruptcy that was inaccurately reporting on my credit report with Lexis Nexis. I received the attached letter from Lexis Nexis stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with Lexis Nexis and all three credit bureaus : XXXX, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after Lexis Nexis has notified me that it has been removed. It is now 30 days from the date of the letter from Lexis Nexis and the bankruptcy still has not been removed from my credit report.

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, Lexis Nexis, XXXX, XXXX, XXXX delete this bankruptcy immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: CL Holdings LLC
State: GA

Complaint narrative:
Again, Your statement provided totally goes against the Consumer Law. I also have spoken with Jefferson Capital Systems and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from Jefferson Capital Systems LLC in regards to my account. I am requesting from XXXX the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( XXXX ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to JEFFERSON CAPITAL SYSTEMS LLC WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH JCS. I have spoken with them several times and they can not provide me with any information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank does not appear to have a process to remedy returned deposits. I submitted an EFT before closing an account. Unfortunately the receiving institution returned the funds to TD. The funds were received back by TD after I had closed the account. TD customer service center and local branch office are unable and unwilling to assist. I have called on multiple occasions and no one seems to know how to resolve this. I have been promised call backs but have never received one. I was lied to that a check would be sent to my home. Instead they continue to attempt an EFT to the other institution unsuccessfully. The funds in question are stuck in an endless loop. {$140.00} is in suspense and has been unresolved since XX/XX/2023. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian IS IN CLEAR VIOLATION OF THE LAW. UNDER 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you written instructions to furnish this in my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. REVERSE THE ABOVE LATE PAYMENTS ON MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with reversal of the above referenced late payment, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-12 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: EQUIFAX, INC.
State: GA

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.

Account name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
I started working non profit and have verified employments since XX/XX/XXXX. My agreement should be finished XX/XX/XXXX. 

Mohela and student XXXX XXXX stated they will not be able to tell me until XX/XX/XXXX. 

This is XXXX months past my ten year agreement.

The limited waiver passed by congress and senate is being ignored by Mohela and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

Account name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-12 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: Experian Information Solutions Inc.
State: GA

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. 


Account name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-12 00:00:00
Product: Credit card or prepaid 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: UPGRADE, INC.
State: KS

Complaint narrative:
Filed dispute and followed all requests from UPgrade credit card and they did not resolve all the charges that I did not make. I should not owe the amount it shows and have been paying for now months of interest that is inaccurate that I will not get back! This is seriously affecting myself and my fam and they will not correct this right ; the charges that were not refunded were from XXXX and I have not made ANY purchases from XXXX this is beyond frustrating!! No XXXX!!! That is not my purchase I called them as did the police!! And the app info was not even my info!!! Upgrade failed to investigate this, failed to follow up correctly, and did not correct this. I have also sent them a dispute in writing twice, as asked for on XX/XX/XXXX and XX/XX/XXXX with out hearing back from them. Only to find out through my credit karma that they decided they were authorized due to not receiving my statement in writing which is inaccurate as I sent them and have the emails they were both sent promptly and not replied to however I asked for an update both times. I would like this resolved and like to hear the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two or more late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX or more late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER 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 explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion IS IN CLEAR VIOLATION OF THE LAW. UNDER 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you written instructions to furnish this in my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. REVERSE THE ABOVE LATE PAYMENTS ON MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with reversal of the above referenced late payment, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violationsXXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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