vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: MI

Complaint narrative:
I am writing to express my concern and dissatisfaction with the manner in which my recent dispute over unauthorized transactions has been handled by Key Bank. 

On XX/XX/XXXX, I disputed two transactions with Key Bank institution : one for {$700.00} and another for {$9.00}, both from the same merchant. As per 15 USC 1693f, they had ten business days to investigate my claim and mail results within 3 business days. I received findings in the mail during the week of XX/XX/XXXX, but the findings only addressed the {$9.00} charge, which was denied. There was no mention of the {$700.00} charge, which is a clear violation of 15 USC 1693f requiring financial institutions to provide a written explanation of their findings within 3 days. 

Furthermore, the law under 15 USC 1693g say they didnt conduct a proper investigation. I just want answer to why was I an consumer have to be violated and why Key Bank isn't in compliance with the law? 

I spoke to a supervisor today who is very helpful by the name XXXX. She directed my call to a lady name XXXX in the Executive department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX XXXX  I called Chase Bank to report a transaction from XXXX that I didn't recognize on my account in the amount of {$610.00} and they opened a claim. XXXX XXXX XXXX XXXX XXXX  and had misplaced my debit and initially assumed it was a fraud transaction. However, when I later spoke to my husband he told me that he had to re-book a flight through XXXX and was charged that amount ( we share an account ). Because I had reported the charge as an unauthorized transaction, on the day of his flight XXXX XXXX XXXX XXXX  ), XXXX required him to make that payment again since the initial was reversed by my bank ( bc of the claim I made ). He made the payment at the XXXX desk counter at the airport ( receipt attached ). As this is happening, Chase still had to resolve the claim I submitted so they reached out to XXXX to confirm that the payment on XX/XX/XXXX was in reference to recovering the loss funds on XXXX XXXX XXXX Instead, Chase has informed me that XXXX said these are two different payments which is not true. On the receipt I've attached, it even lists " loss recovery ''. Chase has now taken that {$610.00} out of my account and essentially I am now being charged TWICE for one transaction. Chase has informed me that I need to resolve this with XXXX and so far I have been unsuccessful in getting anyone to assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. XXXX XXXX XXXX XXXX ( XXXX ) ( 12 U.S.C. 5481 et seq. ) : The XXXX established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been dealing with this issue sense XXXX of 2023 and these accounts do not belong to me at all because they were caused by identity theft/fraud. I am a consumer and I know my rights. This is in violation of 15 usc 1681 b and that is unacceptable.

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 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: OH

Complaint narrative:
On XX/XX/16 I logged on to my bank account to find that they debited a total of {$330.00} which I have paid out between the XXXX and XXXX of every month. I reached out to ask why they did this since it caused my account to be overdrawn and this is the response I receive is below. I then revoked the automatic ach debit in writing in an email and no response received from them to acknowledge. I took the loan amount of {$700.00}. I have paid back {$2300.00} to date. More than what was borrowed. They are claiming to be a tribal lending entity but I highly doubt that to be the case. 

Hi XXXX, I'm XXXX from Explore Credit. I see that the original amount of {$330.00} had split Into two payments and deducted from your account. If you have any questions, please reach us at XXXX. 




Thanks, EXPLORE CREDIT SUPPORT Client Support Team Office # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I hold a credit card with Bank of America. On the XXXX XXXX XXXX XXXX XXXX XXXX I noticed unauthorized transactions made in Delaware, despite my location being in XXXXXXXX XXXX I promptly reported these fraudulent activities to Bank of America. After enduring a wait time of approximately 20 minutes, my call was received, and a fraud claim was registered on my behalf. 

A few days later, I was relieved to find that the stolen funds had been returned to my account. However, to my surprise, the fraudulent amount is now appearing on my statement. In an attempt to resolve this issue, I contacted Bank of America once again. They provided me with a number associated with my existing claim but unfortunately, my calls are not being answered. Each attempt results in a waiting period of around 20-25 minutes.

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 monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third owns my mortgage on my primary house. The house had a fire, which was covered by my insurance. The insurance company XXXX XXXX XXXX has approved ~ {$80000.00} in damages and has sent me a {$43000.00} check in XXXX ( 5 MONTHS AGO ). I have met with Fifth Third in-person many separate times and have had XXXX phone calls. I have uploaded countless documents into their portal ; however, every time I speak to someone the requirements change. 

It has been XXXX and a half months, multiple calls & meetings & I can not get bank to co-sign insurance check. My contractor is ~ 80 % complete & hasn't been paid a dime. 

To get the final XXXX of my initial claim check, they insist upon an inspection. I finally set up an inspection appointment & the Fifth Third Representative was a No-Call No-Show. I took a vacation day for this meeting! I called Fifth Third and they had no way to contact this " inspector '' XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
We were provided the 10 day payoff but the representative provided a business office address which was incorrect when relating to where the pay off checks are to be mailed. We XXXX the total loan amount in the form of a cashiers check. When they received the check, they then stated we did not endorse it ( which was false ) and sent it back to us via regular mail. When we received the returned check, we confirmed it had in fact been endorsed and we immediately sent it back yet again to the pay off office via USPS overnight. After applying the check to the loan amount, bridge crest stated that we had accrued additional interest due to the delays in payment. We called numerous times and were given different replies on each call. We were advised the additional interest would be waived and then advised it would not be waived. Our last communication was they would not remove the fees even though their notes reflect their error. They still have our vehicle title and state we owe them {$200.00} for additional interest.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I made an ACH payment in the amount of {$17000.00} from my bank ( XXXX ) to the credit card company ( Citibank ). Citi shows this credit amount to my account on the same day, XX/XX/XXXX. However, they did not make the amount paid available under my credit limit and when I called to ask about this they said it was XXXX XXXX  policy to hold payments. I was then informed that my available credit limit would not reflect the XX/XX/XXXX payment until XX/XX/XXXX, more than XXXX business days following the payment. Meanwhile, my bank account reflects the reduction of funds immediately, since its an ACH payment I know that Citi has the funds, yet I lose all benefit of that {$17000.00} in my bank account ( no interest earning ability ), yet receive no benefit via available credit with Citi. Why should Citi get to hold my money for free for all of those days when they can clearly verify the payments was received? This seems very unfair to consumers. If I dont pay my balance in full they charge me interest so why shouldnt they owe me something when they hold my funds like 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed withing 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.

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 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/ I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete.

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence. 
The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE XXXX XXXX XXXX XXXX Account Number : XXXX Please DELETE it from my credit report.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE XXXX XXXX XXXX XXXX  Account Number : XXXX Please DELETE it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The credit report information on my files is inaccurate.

Company response to consumer: Closed with explanation