vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CT

Complaint narrative:
I am concerned about a potential security breach at Key Bank or XXXX. My debit card, issued by Key Bank in partnership with XXXX, has been digitally stolen three times in the past six months. Each time this occurs, the events are always the same ; the card is charged for a transaction on XXXX XXXX in California. The physical debit card always remains in my possession. I have never had a XXXX XXXX account. 
The first occurrence was on XX/XX/2022, wherein my card was charged by XXXX XXXX via XXXX XXXX for a total of {$51.00}. I called Key Bank and was issued a new card as well as provisional credit while the dispute was investigated. 
On XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction in the amount of {$69.00}. I called Key Bank- this time they " hard closed '' the card and instructed me to delete the card number from any e-commerce websites where it may have been saved, which I did. Key Bank again extended provisional credit for the disputed transaction. 
Less than a month later, on XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction, this time for {$45.00}. I called Key Bank I was quickly transferred to a different department - the woman I spoke to this time seemed slightly more abreast of the situation and implied that this was a problem of which Key Bank was aware, and that Key Bank 's investigative departments were working to find the root of the breach. I asked how someone could possibly have access to my new card so soon after it had been issued ; the Key Bank representative suggested there may be a breach with XXXX or XXXX XXXX ( again, I have never had a XXXX XXXX account. ) The Key Bank representative again " hard closed '' my card and issued provisional credit in the disputed amount. 
I have just received my new debit card and I am very concerned that this will occur again. This is my only card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Account # 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
Consumer complaint received 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: DE

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 XXXX : 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
Consumer complaint received 2022-10-02 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I received a series of charges in the amount of {$1700.00} from a company called " XXXX '' and " XXXX. '' We assume that " XXXX '' is for the XXXX XXXX XXXX, and XXXX is subsequently a similar company. The total amount of charges over the month amounted to XXXX charges from XXXX, and XXXX from XXXX. I have included an XXXX sheet detailing the transactions. 

While I did order a few items from XXXX, I did not order that many items, nor did I order that much. I also did not order anything from XXXX at all in XXXX of XXXX. I also did not approve to have multiple payments spanning over the months to be charged to my account, which is what XXXX has done. Given that the amount and scope of what XXXX I consider all of these charges to be predatory, and erroneous.

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 2022-10-02 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX ( XXXX XXXX XXXX ) {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Account # 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 XXXX : 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 non-monetary relief
Consumer complaint received 2022-10-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXX. at the branch on XXXX XXXX in XXXX tennessee. i work XXXX days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my XXXX by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} ATTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX it is for an account with XXXX acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX and I have new and updated information regarding XXXX XXXX failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against XXXX XXXX as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and XXXX XXXX confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.

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 2022-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I TALKED TO A TRUIST REP, AND SHE SAID NOW THEY CAN GIVE ME AN OPTION OF A VA DISASTER MODIFICATION. BUT I DON`T UNDERSTAND IS WHY THEY FAILED TO OFFER ME THAT OPTION BEFORE BACK IN XXXX. THE VA HAD 2 OPTIONS FOR VETERANS BACK IN XXXX. THEY WERE SAYING THAT MY LOST MITIGATION PACKAGE WAS INCOMPLETE AND THAT IS ONE OF THE QUALIFYING MEANS OF GETTING THAT OPTION. IF THEY HAD OFFERED THAT OPTION I WOULD`VE SIGNED THE DOCUMENTS FOR THE MODIFICATION BUT THEY WANTED TO GRANT ME A EXPLOITATION OF TERMS. MY CASE WOULD`VE BEEN IN THE PAST. THEN THEY THROW THE PACKAGE IN THE TRASH WITHOUT THE OFFER FROM THE VA. NOW YOU SAYING I AM 19 MONTHS BEHIND IN MORTGAGE PAYMENTS? MY FORBEARANCE STARTED ON XX/XX/XXXX AND ENDED ON XX/XX/XXXX, SO YOU SAYING I MADE NO PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX. ( XX/XX/XXXX TO XX/XX/XXXX = XXXX ) AND XX/XX/XXXX TO XX/XX/XXXX = XXXX. YOU STOPPED MY PAYMENTS XX/XX/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 explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
I had XXXX XXXX XXXX  XXXX by XXXX XXXXXXXX XXXX. The scan was done on XX/XX/XXXX. XXXX XXXX XXXX XXXX department sent the bill to XXXX and XXXX has paid the provider, XXXX XXXX XXXX, and XXXX XXXX XXXX sent me a bill for {$7.00} which I did pay according to XXXX. I never solicited the service of XXXX XXXX, and now I receive letters from this collection agency in spite of detailed communications sent via register mail sent XX/XX/XXXX. 
Still this collection agency has not ceased from continues abuse of sending me billing statements of unpaid amount of {$75.00}. This agency and its client refuse to accept XXXX payment and continue abuse. 
The charge by XXXX XXXXXXXX XXXX XXXXXXXX has been denied by XXXX and now it is the responsibility of XXXX XXXXXXXX XXXX XXXXXXXX to appeal to XXXX. I have paid what I owe. 
This is same as complaint ID XXXX. Submitted on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: MO

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 Reporting income on my consumer 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 2022-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX as trustee for XXXX 2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX PA, XXXX XXXX. 
ILigally foreclosed our homes d trying to evict us. 
No standing, don't own the note, we watched the mortgage, they have vomited federal crimes to steal our home.

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 2022-10-02 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX ) {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
XXXX ) Over the last 6 months, I have struggled to obtain partial pay-offs when selling individual assets within a portfolio loan. This has caused me to have thousands in losses due to their delays. On XX/XX/XXXX, I requested a partial payoff for a house that closes on XX/XX/XXXX. They say it takes XXXX business days yet I have yet to get the payoff as of XX/XX/XXXX. Another example : payoff request was sent in early XXXX by the title company. We had to re-submit the request again in early XXXX for a XX/XX/XXXX closing that didn't happen until XX/XX/XXXX. 

XXXX ) Fay Servicing does not record the partial payoffs on-time and in at least XXXX case at all. This means my monthly payments aren't getting amortized correctly as they don't have the large principal pay downs recorded at the correct time. On XX/XX/XXXX, I sent a message via their website after sending multiple emails in XXXX with no response. They currently have XXXX recorded pay downs for XXXX assets sold. 

XXXX ) Fay Servicing claimed to not have proof of insurance. I provided a new policy assuming the old one was canceled by them OR the prior servicer. They failed to pay the insurance policy correctly leading to it getting canceled. Fay proceeded to purchase a policy while I paid for the XXXX policy. This caused me to have XXXX policies after I found the XXXX policy contact information. I never received any proof of policy for the XXXX policy Fay purchased and it took 5 months for them to cancel it. I then lost thousands as Policy XXXX would only refund me to XX/XX/XXXX vs XX/XX/2022 the day Fay told me I had no insurance. 

XXXX ) Fay doesn't provide proof of tax payments per asset but instead generic a tax paid with the amount paid. As of now, I've had to pay out of pocket for XXXX assets that didn't get paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Avant company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose. 
Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

1.SANTANDER CONSUMER USA , opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
2.XXXX XXXXXXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
3. hard inquires by unauthorized Individuals a. XXXX XXXX XXXX XXXX, XX/XX/XXXX b. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX c. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX d. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX e. XXXX XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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 — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
Spring Oaks Capital LLC bought a debt from XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have someone steal my idenity now thay have a conputer and thay our usen my phone info this has been going on for XXXX years XXXX wellsfargo XXXX  and so many more i need to end please and thanks thay have property in my name and im himeless

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
XXXX company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on 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 explanation