vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: CT

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXXXXXX XXXX is sending me to collections for an account for XXXX and one for a XXXX XXXX. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I received a letter from online information services stating that I owed a debt to XXXXXXXX XXXX  On XX/XX/XXXX I called and spoke to XXXX and I explained to her that I had previously received a letter from a different collection agency and that I had paid XXXX XXXX directly and advised the collection agency of that. The agency advised they would confirm and remove the debt from my report, so I was unsure as to way I was receiving this over a year later from a different agency. I advised her I was given a confirmation # when I made the payment. She advised she would sent a dispute to XXXX XXXX, and that it would not yet be reported to my credit profile ( however my confirmation # was not included I the dispute. ) I received another letter from this sane agency dated XX/XX/XXXX stating they contacted XXXX and I owe the balance. I contacted the agency today on ( XX/XX/XXXX ) bc I already paid the balance not only do I have he confirmation # I also have my bank statement showing the amount paid. I was informed to mail my bank statement bc they do not do any electronic correspondence. I then contacted XXXX and was advised that I do not have a balance with them which they'll be email me proof within XXXX of today. But I was informed that the debt has already been reported on my credit altho I was advised it would not be. I feel as XXXX this collection agency purchased my account and have not done what they were supposed to do to verify that I indeed owe this debt had they done so they would know that I don't and would not have reported to my credit report. Although I've explained to them that I have all the proof that this payment was made over ayear ago they are still trying to collect this money from me and now my credit has been negatively impacted. I feel like they lied about the dispute verification to XXXX and the corresponding letter is dated XX/XX/XXXX and I was told that they don't do electronic communications so if this is true how can mail a dispute to XXXX XXXX  on XX/XX/XXXX and with in XXXX business days ( as the XXXX was on a wed ) received a letter back from XXXX and mail a letter to me saying it was still owed. I feel like my hands are tied. Bc even if I mail off my bank report they XXXX still lie and say I owe the debt when XXXX XXXX is saying I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: OR

Complaint narrative:
XXXX of 2022, I opened an account with Key Bank in XXXX to receive funding from a friend outside of the state through XXXX transactions. I opened the account online and some address information was wrong, and Keybank set up a home branch in XXXX When I went to withdraw the money in Michigan, It was flagged as fraud. After proving my identity, Keybank still withheld the fund. due to suspected fraud, I was not told of any information. The KeyBank retailer suggested closing the account and the fund with be resent back to the sender, so I closed the account with KeyBank. After a while, I contacted KeyBank and they told me they will not refund the fund unless the sender ( who is a client from XXXX XXXX  ) contacted KeyBank through XXXX XXXX and request the fund. I contacted the sender and sat down with XXXXXXXX XXXX XXXX XXXXXXXX will not request the fund, because the money was sent legitimately and they can not give out client information. So Keybank and XXXXXXXX XXXX  will not talk to each other to resolve the issue, and Keybank has since then sent me running around. I since then have moved out of XXXX and to XXXX Keybank retailer now won't return my call, and Keybank back office number said they can not do anything on the phone and I have to talk to the bank branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited my XXXX  check with XXXX  signature they closed my account. Called multiple times said check in the mail. Than they said we both have into bank and show ID. Also did that. Checks all cleared and they won't release my money. No fraud was made and proved it but said they are not giving me my money. Not only her checks but my payroll checks also.

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 2023-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I requested a refund from MyFedLoan for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and MyFedLoan told me that my loans had been transferred to XXXX who would be processing my refund. I called XXXX who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on XXXX 's website and they are unable to find a record of my account. MyFedLoan 's website indicates that all transfers have been complete, however my record is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I requested a refund from XXXX for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and XXXX told me that my loans had been transferred to Aidvantage who would be processing my refund. I called Aidvantage who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on Aidvantage 's website and they are unable to find a record of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX notified me in XX/XX/2022 that Bank of America credit card was opened under my name. I checked XXXX and XXXX XXXX and verified that card was opened under my name even though balance was showing {$0.00} dollars with a credit limit {$15000.00}. I have a perfect credit history and score of XXXX. I have called and notified Bank of America right away to close the account ( fraud department ). XXXX on the phone ( XXXX XXXX stated that he was closing the account right away. It's outrageous they let someone open an account under my name without checking even though i have credit freeze in all credit reporting agencies. Its Bank of Americas negligence might affect my credit rating. They have never notified and or sent a letter to me in regard to cc opening. It appears to me that this gross negligence on behalf of Bank of America should be investigated to see how many other consumers might be affected. They have failed their due diligence steps verifying consumer account opening procedures and liable for any damages i might incur due to their incompetence. Besides closing that account, they should apologize to the consumer in writing who is affected and remove any trace of this cc opening along with offering free credit monitoring. Shame on this kind if shady practices routinely tolerated by Federal Government ( they need to be investigated and receive civil fines for violating my civil rights.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This Comenity account was opened at XXXX in XXXX XXXX CA XX/XX/2022 with a balance of {$290.00}. That same day I attempted to pay the entire balance through the online system but was told I couldn't because the online account hadn't been created yet. I wanted to avoid any possiblity of late fees so after many hours on the phone that day, a supervisor suggested I mail a paper check for the entire balance. I did so and that check was cashed by Comenity on XX/XX/2022 ( bank statement attached ). Apparently, internally within Comenity, the money was posted to the wrong account and they started charging me late fees. The money did not reach the correct Comenity account until XXXX of XXXX. They continue to charge me late fees and finance charges despite having the entire balance received within 18 days of the account being opened. I have made approximately 10-15 phone calls and sent approximately 10 emails including the bank proof that they cashed the check on XX/XX/2022. I have asked many times to speak with a supervisor but repeatedly get disconnected in the transfer or left on hold for hours. The online messaging system has been equally unproductive. I am also enclosing the email conversations I have had with Comenity. I have closed this account but it still has a balance due from inappropriate late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PA

Complaint narrative:
hello good evening this complaint is about unknown inquires on my credit report that are damaging my score. the following inquires are unknown to me and are reporting to my transunion report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have attached copies of my transunion report with the unknown inquires.

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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hunt & Henriques
State: CA

Complaint narrative:
Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming civil suit. These court documents had a broad list of what I was being sued for. It stated XXXXXXXX XXXX XXXX  Prior to this I had paid off 3 XXXXXXXX XXXX  debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a XXXX  amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The XXXX  have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was XXXX XXXX XXXX XXXX I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling XXXX XXXX  and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my local county clerk recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : Hunt & Henriques XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: WA

Complaint narrative:
I received a letter from Direct Express in XX/XX/XXXX saying I would get a new payee benefit card because their processor was changing. XX/XX/XXXX came and I never received the new card. I called XX/XX/XXXX and was told they would send XXXX out within XXXX business days. XX/XX/XXXX I called back because I still hadn't received a new card only to be told XXXX was never sent out on XX/XX/XXXX. I again was told to wait another XXXX business days for a card. I was also told the XX/XX/XXXX Social Security benefits would be mailed as a paper check from the Social Security XXXX since I wouldn't have the card by then. Well, on XX/XX/XXXX I didn't receive a paper check so I called Social Security who said they sent the monies to Direct Express. I called Direct Express and now couldn't get a live representative. I tried for an entire week and at all times of day only to get a recording that said their phone lines were busy and I would need to call back. Social Security said they had an internal way of sending Direct Express messages and that Direct Express had an agreement with them to call clients within XXXX  hours of receiving the message from Social Security. Well, I never got a call even after Social Security sent them messages over several days. This has all caused rent and numerous other bills to be late and meanwhile I still don't have a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: SC

Complaint narrative:
On XXXXXXXX XXXX  I sent an identity theft report at and and that was received along with my drivers license because I am a victim of aggravated identity theft. Equifax is the only credit reporting agency that is reporting these negative accounts on my reporting financially causing me great harm. According to 15 us 1682 c-2 ( a ) a consumer reporting agency must block the reporting of all ny information in the file of a consumer identified as information that resulted from an alleged identity theft, not layer than four business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: UT

Complaint narrative:
In XXXX we spoke with Keybank and an agent told me I could convert my HELOC at my credit union to an interest-only, fixed rate ( at 5.5 % ) with KeyBank so I began the process. 
The communication was atrocious. I was asked for information repeatedly that had been sent over two weeks prior. It was awful. 
I later learned that the 5.5 % was a mistake and the rate would be more like 8.75 %. 
We went ahead with it anyway despite that major disappointment. And closed the loan in XXXX. At closing, I was told : 1 ) due to the problems wed get a .5 % discount and 2 ) after closing the HELOC as variable, we would lock it for a {$50.00} fee and it would be interest only and fixed rate. I have emails confirming this commitment prior to closing and at closing they made calls to XXXX again promised that after we closed the loan would convert to fixed, interest only. So we closed the loan. A few days later we were informed by the branch manager that KeyBank doesnt have a fixed rate, interest only. They only have a fixed rate principle and interest option, not interest only. Not being able to provide us the loan product which was the only reason we moved to them, our payment went from {$550.00} to {$1600.00}. TOTALLY NOT WHAT WE WANTED TO DO! 
The only option we had was to stay with a variable rate, but we never needed to do that. AND we had a {$250000.00} credit line now we have {$80000.00}. 
This was a disaster. 
Worse, I wish that were the end of the problems, we went in and filled out a form so that they could withdraw our payment monthly from our credit union checking account. We filled it out precisely as they asked us to as we sat in their office. 2 weeks later now they haven't withdrawn our payment, they sent us notice of missed payment and now added late fees. We keep trying to resolve this with the branch manager but he doesn't respond to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My account has and currently is still being marked past due with many late payments being reported when my account is paid on time and needs to be updated. By law, a creditor shall not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MI

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation