vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, fraudulent charges were made to my credit card. 
XX/XX/XXXX for {$39.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX I reported it to Key Bank, and they declined to refund the money, saying the orders were placed from my home computer and, therefore, could not refund the money. I can prove to them I was out of town on vacation when some of the charges occurred, and no one else has access to my computer when we are traveling. They claimed that it was impossible for anyone else to use my computer IP address, so it had to come from me. 
I then took my computer to a local computer service center and had them check it over. They told me my computer had been hacked and the people doing it were watching every keystroke I was making so they could and did have access to my computer. I gave a copy of the letter from the service center to Key Bank but Key Bank still refuses to refund the fraudulent charges. The computer service center reported the problem to the appropriate XXXX and software companies and removed the software that was used to gain access to my computer. I also filed a police report as requested by Key Bank. Can you please help me with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XXXX  the XXXX my company had our annual XXXX dinner at a restaurant, my employer always hands out our XXXX bonus checks same amount every year of XXXX. I tried to deposit the check through our mobile app and it approved it but returned it after a few days. I called the bank and they said reason for rejection is because the account number was really blurry on the companies check, she told me to bring it into the actual bank and deposit it there and I did. Now they are trying to say they might or are going to close my account, because they think the check is fraudulent and my account is on a hold. I just want to get my account out of the hold because I have direct deposits and more going through my account its XXXX time, I have adopted children and my daughter that I have to take care of.

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 2022-12-15 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX  ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), XXXX OF XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-15 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Beginning in around XX/XX/XXXX, the XXXX relief includes a suspension of loan payments, a 0 % interest rate, and stopped collections on defaulted loans. Student Loan Payment Pause have been Extended until XX/XX/XXXX. 

The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart. 

Late payments inaccurately reported for the following months : XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 160 days XX/XX/XXXX XXXX days ( XXXX to the end of XXXX does not equate to 90 days. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have contacted Synerprise Consulting by phone on XX/XX/XXXX to resolve this matter. This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with XXXX, XXXX XXXX XXXX XXXX credit reporting agencies. 

This debt should have never been in collections with original creditor. Synerprise Consulting has been notified and it has not been taken off my credit report. The original creditor XXXX XXXX XXXX never submitted a claim to insurance for services rendered on XX/XX/XXXX at XXXX XXXX XXXX, XXXX, Texas. If they would have, the bill would have been covered 100 % as I did not have a deductible remaining. After contacting XXXX XXXX XXXX, they have charged the bill off siting their mistake and not submitting a claim to my insurance in a timely manner ( in accordance with Texas laws ). The collection by Synerprise Consulting should have never been put on my credit report and is now categorized as a charge off/collection '' which is negatively impacting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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.

Complaint narrative:
i want to delete all errors

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 2022-12-15 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: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. Transunion 30 day late XXXX 30 day late In accordance with the fair credit reporting act XXXX XXXX  Account # XXXX has violated my rights Transunion 30 day late XXXX 30 day late XXXX. 30 day late In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights XXXX 30 days late Transunion. 30 days late XXXX. 30 days late also never late and neither report reflects accurate information 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 U.S. Code 1681a-Definitions ; rules of construction- exclusions-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 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.

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 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Creditacceptance has aquired full rights title interest on a vehicle that ive purchased through XXXX XXXX. Theyre operating fraudulenly and they know it. 

Facts : on XXXX ive purchased a vehicle from XXXX XXXX/credit acceptance. I've entered into this contract without full disclosure. XXXX XXXX credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of {$1900.00} was needed in order for me to drive off the lot. XXXX XXXX/ Credit acceptance, failed to clearly and conspicously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finanace charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind.2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with XXXX XXXX Creditacceptance , wgich was sent via certified mail return reciept. Credit acceptance knowinlgy is damaging my reputation has caused me extreme emotional distress and placed me in a state of XXXX, fear, and uncertainty of the financing system. I have wanted to buy a house but now i can not due to the negative actions of creditAcceptance and thier reportings on my consumer report, which ive never given written consent for them to do so.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Inaccurate info listed in background report under County Searches section. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect. I have never lived in XXXX XXXXXXXX XXXX I have only lived in XXXX XXXX my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: Global Lending Services LLC
State: AR

Complaint narrative:
I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 Global Lending Service XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 XXXX XXXX Service XX/XX/2021 XX/XX/2021 Pentagon XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-12-15 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: Westlake Services, LLC
State: AR

Complaint narrative:
I have reported this hard inquiry to XXXX as fraudulent from this company and they have not yet been removed it. I did not authorize the following inquiry and I have a police report attached showing that my identity was stolen. Please remove the following inquiry from my XXXX credit report : Westlake Service XX/XX/2021

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 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
World finance in XXXX Tennessee her name is XXXX she opened my loan up used my checking account information to pay another loan off. She then paid my loan off after it being. Open for 1 day and the. Ask if I wanted another loan I told her no she stole XXXX outta my checking acct and I still haven't got it back. That company is into fraud badly and needs to be investigated by a professional with law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DE

Complaint narrative:
AmeriSave Mortgage refuses to process my payment and state they did not receive. They sold my load in XXXX and sent me a statement for XXXX payment I mailed ion XXXX and they stated that they had not received it. I tried to make a payment by phone and online but they closed the account out and can not access it. XXXX bank which I made a complaint to CFPB also in the beginning of the month refused to provide me an accurate statement to make a payment as the totals and balances were incorrect and they have not received the payment from XXXX either as the $ are still in my Acct. I need to have this payment processed via Americasav so XXXX can receive and then process via their system and provide me with an accurate statement prior to making any payments to XXXX. I do not wish to pay XXXX XXXX payment at this point being the totals dont match and I only received a statement from America Save for my XXXX. Payment. I want Amersav to contact me so I can provide them with the check information and my checking account to process my XXXX payment. Customer service can not access the account and are refusing to process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BlockFi Inc
State: FL

Complaint narrative:
Dear Sirs, We are all well aware of the ramifications of the suspension of accounts at Block Fi both investing and credit accounts. As a result, I find that Block Fi and its partners are in violation of the agreement between parties and as such all contracts or obligations are null and void. Block-Fi is in XXXX XXXX Bankruptcy as such I am a creditor looking for the recovery of assets same as all other creditors. 

No access to money in Block-Fi account No access to the use of Block-Fi Credit card No payments of XXXX credits or Interest due from Block-fi card transactions. 
No way to trade buy or sell on my accounts Are all failures of Block-Fi and its partners to keep up their end of the agreements My money is in Block-Fi accounts and when I have access to that money I will pay the Block-Fi card. However, I offer these options in a fast and reasonable solution to the situation. 

1.You can recover the balance from my Block-Fi account in house XXXX XXXX XXXX XXXX on the dollar for the balance owed in full.

I have filed a copy of this e-mail plus a full complaint with the Federal Trade commission, The Federal consumer protection agency, the three credit Agencies and other state and Federal agencies. 

I am also informing you in writing that XXXX XXXX and Federal regulations Myself, my family are not to be contacted, harassed, or solicited in any way other than communication by E-mail in reference to a settlement of the account by either of the above solutions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On the date of XX/XX/2022 two accounts were open under my name ( XXXX XXXX XXXX ) one with a balance of {$310.00} and the other with the balance of {$120.00}. Yesterday XX/XX/2022, I was checking my credit report and found these two accounts reported. I called the company and I confirmed the accounts being opened by an original creditor called XXXX XXXX which was bought by XXXX XXXX XXXX and they were able to provide the information and address from where the account was opened. They told me it was open in XXXX, TX. I then did a police report and I also contacted all 3 credit bureaus. The account seems to only be reported on my Transunion report. I was told to take this step of filing the complaint and send police report and a copy of this complaint to Transunion via US Mail.

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