vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: WA

Complaint narrative:
Hello, My wife and I made formal loan application with KeyBank via their loan application web portal for a new HELOC against our primary residence back on XX/XX/XXXX. We believe our borrowing profile was/is really strong ; both having 780+ mid credit scores, low CLTV, low DTI, steady income, and lots of reserves. 

Two weeks went by and a letter from KeyBank arrives requesting further documentation. By the following business day, I had all requested documentation fully submitted as directed via secure e-mail and a confirmation of receipt. Then another week goes by and one of their Loan Reps reaches out saying that they see my submission but some of the documentation did not come through ( not sure how that can be ), and asked for me to resubmit directly to him. I did as requested within 24hrs of receipt. 

After the above... nothing. No reply, no response, no credit decision of any type. I reached out one last time on XX/XX/XXXX requesting status via their webportal and direct with the Loan Rep, still nothing back. A blaintant violation of RESPA. Here we are almost 1yr later from our formal loan application and still NOTHING! 

It is silly to me that banks will get bailed out for their own mismanagment, but yet can not be held accountable for not abiding by the law. It makes us little guys wonder what's the point of having " laws ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I was charge two times over a few minutes for {$23.00} approximately 3 months ago. Within hour of charge I called Chime and reported it as Fraud. They advised I had to wait till it processed before I could dispute. I said it was fraud. They took two months to return my money, then approximately 30 days later they reversed the credit and said it was authorized. I called them back and talked to four people they said I need to refile dispute and wait again. I used a XXXX XXXXXXXX  XXXX and believe all my charges and im fraud protected. Chime not being a brick and mortar bank has different rules. I want to be credited immediately and I want to charge them by the hour for time wasted due to there bad faith in solving this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 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: KS

Complaint narrative:
On XX/XX/XXXX I received a call at around XXXX XXXX. from someone who said he was XXXX XXXX XXXX  XXXX XXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a Nurse. I have never been nor am I now a Nurse. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' s  ( experian, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed Experian and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX XXXX XXXXXXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve 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 non-monetary relief
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it removed immediately.

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 2023-04-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had XXXX credit cards with Capital One. 
I used my business account to make a payment though their portal multiple times. 
They suspended my account and demanded that I submit a bank statement showing the withdraw on the statement. 

The business account is with XXXX, I went to my banker and got a Letter of ownership that was signed by my banker showing that I was the owner of the account, when I opened the account. 

Capital one closed both of my credit cards causing my credit score to be impacted by their action! 

I also lost my reward balance of ~ {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm writing this complaint to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing

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 2023-04-03 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:
Regarding EXPERIAN ... It is Experian 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 3 inaccurate accounts on my report/file plus wrong addresses and hard inquires. 

( XXXX ) XXXXXXXX XXXX XXXX #  XXXX ... .... {$3000.00} ( XXXX ) XXXXXXXX  XXXX # XXXX ... ... ... {$4100.00} ( XXXX ) XXXX XXXX # XXXX ... ... .. {$9900.00} In addition, the 2 erroneous addresses [ XXXX XXXX AND XXXX XXXX XXXX plus TWO hard inquires that were not authorized must be removed/deleted [ XXXXXXXX XXXX XXXXXXXX and XXXX ] . 

Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Experian written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.

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 2023-04-03 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: Experian Information Solutions Inc.
State: FL

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. 

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  XXXXXXXX XXXX  XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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 2023-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
AMERICAN COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This is a Medical account. Which was not reported correctly to the credit bureau companies.It was charged off years ago. Which has Violated my FRCA and Possibly my HIPAA. PLEASE refer to all XXXX credit reports for all errors I have tried to dispute this with every Credit Bureau. However, AMERICAN COLLECTIONS keeps repeatedly providing incorrect information. I have also tried to reach out to AMERICAN COLLECTIONS only to be verbally abused.

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 2023-04-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Bankruptcy XXXX  XXXX RE : XXXX has violated my rights 15 9.5.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 explanation
Consumer complaint received 2023-04-03 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I tried to purchase shares of stock on XXXX using my bank checking account { XXXX XXXX XXXX XXXX .This transaction was denied based on information XXXX received or obtained in a report from Early Warning Services , Inc in, XXXX AZ.I have never heard of " Early Warning " consumer reporting agency, nor " XXXX XXXX ''. I'm not going to send any of my personal info/data to a company/report agency that I have never heard of or knew existed. I'm aware of the big XXXX credit report agencies, I have had no dealings nor knowledge about " Early WarningXXXX XXXX . Is this a REAL Company or Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: TN

Complaint narrative:
Over four months ago, I contacted US Bank regarding three credit card accounts that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain 1099Cs for discharged of his alleged debts so that I could file his final tax returns for XXXX. US Bank was kind enough to do this and they forwarded three 1099Cs which I used to file my brothers taxes. ( copy attached ) Unfortunately US Bank continues to report on my brothers credit reports that he still owes them on these three accounts even though they clearly have discharged them. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, US Bank is still in the position to either attempt to collect or sell off these debts to a third party as long as they are reporting these accounts to the credit agencies and while these accounts appears on his credit reports. While I do not think that this is a malicious act by US Bank nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to US Bank on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with US Bank and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Escalation and Collection Department, who told be that to her knowledge the debts were discharged and should not be reporting to the credit reporting agencies. Nevertheless as of today these account are still being reported to the credit reporting agencies despite what US Bank is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report these closed and discharged debts.

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 2023-04-03 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I was approved for a Citi Simplicity card specifically for balance transfers being 0 % for 21 months. Upon approval I had up to 3 transfers available to make. On XX/XX/2023 I made all 3 and was told they would be processed within 2-4 business days. That didnt happen. I waited a week. Still nothing. Waited another week. Still nothing. So I called Citi regarding the status of my balance transfers on XX/XX/2023. The account specialist told me there was a hold on my account but did not care to explain why and then told me all the transfers would be complete by the following day, XX/XX/XXXX. Well, here we are on XX/XX/XXXX and still nothing. This morning I got a text message from the fraud department to provide a yes or no answer to a pending charge. I said yes. I got a text back and said transfer will be completed, there is nothing else you need to do. Cool, right? I check my accounts and still nothing. So, I make another call to Citi. They transfer me to another account specialist and this time they tell me I have to wait for a letter in the mail for a verification code because they couldnt verify my account even though I am speaking to them over the phone and am the owner of the account. I ask for a more clear explanation and all they say is you just need to wait for the code in the mail. This is by far the absolute worst customer service for any bank Ive ever dealt with. So, this goes from them approving me to make balance transfers, me doing so, then it gets put on hold for no reason, then they say it will go through the next day, to now they can not verify my account. What a garbage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Professional Debt Mediation , Inc. were the debt collection group assigned to a debt I accrued from a prior apartment that I rented from. I initially set up a payment plan of {$25.00} per month to satisfy this debt. I managed to accrue the remaining balance I owed and paid off this debt a month and a half ago, yet this group continues to withdraw {$25.00} from my bank account every month. I have documentation provided from PDM that states I have paid my debt, and when I contacted a XXXX XXXX from PDM ( XXXX ), he acknowledged that they have it on file that I have paid the debt, and " don't show any other payments being drafted ''. When i provided images from my bank account as well as auto-generate emails from PDM themselves showing they are still drafting from me, I was met with no response and have received no response from this group until today when I informed them I will be making an official complaint. This group is predatory and are committing theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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