vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status TransUnion says open experience is closed XXXX XXXXXXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open XXXX says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem

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 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I initially joined this company in 2014 and have been pre-approved on multiple occasions for a credit card. Then when I took my time and applied through all documents Im still being denied.I realized this has caused my credit score to drop tremendously and now I also have new inquiries because of it and there are always multiple inquires at once. Im also aware of how in all these years of being with credit karma I have only succeeded once and now I understand why because I was misled by thinking i would get approved and then be effected by negative impact to my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX I had contacted EdFinancial via customer service line to request a complete refund for all federal student loan payments I made between XX/XX/XXXX- XX/XX/XXXX due to financial hardship. The total for all loan payments I made between this period totaled {$4500.00}. The representative stated that to reinstate my loan and receive a refund for these payments, it would take a total of 150 days OR MORE to complete this request and an additional 10 days to receive a refund. I believe waiting nearly at minimum 5 months for a full refund of my federal student loan is completely unfair, especially when I am seeking refund of my loan payments due to financial hardship. To continue, I requested a confirmation email from the representative for record that the refund request has been made and it has been officially recorded EdFinancial 's system, to which the representative stated she could not provide me any type of confirmation and that I should just call back in a months time to get an update. I thought this was completely unfair considering I was put on hold for XXXX HOURS until I was able to speak to a representative about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently started using the credit card from Capital One For 2 months I never received a statement. So I called capital one and asked them to mail me the statement for the 2 months of usage. 
I never the bills. I called again and come to find out capital one had my address wrong in the system. After the correction I finally received my statements. 
I was charged late fees on 2 different occasions and I was charged four charges of XXXX for cash advances and I only made two cash advances. 
I did speak with a representative who gave me an complimentary fee waiver of XXXX Then capital one turn around and charged an additional XXXX fee. Ive called to inquire why The man XXXX acted as though he was looking into the problem and he disconnected my call Now when I call I am sent straight to voicemail I need help with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
my card has been in use for 16 years. used for business and personal transactions. account was closed with a letter sent to my home on XX/XX/2022 with no discussion with any one in the company. flawless credit history for over 16 years.

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 2022-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Barclays Bank Delaware will not let me transfer monies to a verified and established external account to XXXX Access or vis [ XXXX XXXX, XXXX. ]. On XX/XX/XXXX XXXX test XXXX Access labeled as " XXXX '' were sent to Barclays, on XX/XX/XXXX XXXX test deposits from Barclays Bank Delaware labeled as " XXXX XXXX XXXX '' were confirmed. However, this was not good enough for Barclays who grayed out my account access to XXXX to transfer then and not being able to verify the amounts. I could not understand, I was told that in addition that either a bank statement or proof of account ownership letter must be sent to Barclays and since my account with XXXX was less than XXXX days I had no statement, that XXXX drafted a proper letterhead of account ownership. Barclays, then rejects my questions and dodges why in fact, is the account an issue, other than being told acocunt verification being factuated and the letter dated XXXX  was sent to XXXX ( mandatory ), Barclays ignores my email which were sent via their internal messaging system and inform me only to call into customer service, when I do, I am given a temper by a phone banker for the verification, which I inform, has already been done and demand as my right to know what exactly the security issues ( if in fact there is XXXX well grounded ) is and since its my monies, I need to know. Barclays refuses and drops off my communications in all formats. I am left in web reverting only back to where I start and each system over again. This issue has been initiated on XX/XX/XXXX, this is now XXXX  ( XXXX ) days ongoing. Barclays, as I allege, are holding my monies XXXX. I am able to append and include more additional evidence and logs of the ongoing matter to justify the complaint if needed.

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 2022-09-07 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I am trying to originate a mortgage with a separate bank from the one this complaint is regarding. The mortgage origination bank said there is an active dispute with Citi bank that needs to be resolved before origination can proceed. 

I spoke with 9 people at Citi bank, 3 said I had no active disputes and 3 said I did have an active dispute. I spoke with 2 managers - the last one hung up on me. 

There appears to be a systemic issue with Citi Bank 's dispute resolution and credit reporting practices. 

I am close to incurring consumer financial harm by not being able to timely get a mortgage due to a 4 month old dispute that Citi handled incorrectly. 

This should be a MRIA ( " Matter Requiring Immediate Attention '' ) - Citi clearly does not have an internal process to manage these types of consumer credit customer challenges.

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 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I authorized my mom to make a 1 time payment with my card for a product. My mom gave them her name and address for the purchasing of the product. The product is supposed to be in her name and her own account not mine. Collection agency send me a collection letter in my name and when asked for a recording of the purchase they stated they do not have it. This bill should have never been in my name. I did not order it and the amount is disputable. I was not aware that this product had more payments which were my mom 's reponsibility to pay not mine. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX these hard inquiries have 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 2022-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
This complaint pertains to equal access and management of a joint credit card account. 

My wife and I are joint account holders of the XXXX Mastercard, a credit card we have held for over 14 years. Recently, card administration was transferred from XXXX Bank to Capital One. Since Capital One assumed this role, I no longer have online account access, can not activate mobile wallet features for the account, can not make payments, view transactions, or do much of anything related to the card. 

When I call customer service, I can not complete any of the tasks without my wife being present to verify her identity. 

Despite being opened with XXXX Bank as a joint account, Capital One does not treat me a joint account holder. They simply say arbitrarily that my wife is the primary account holder and I am the secondary account holder. In contrast -- and appropriately so -- they do not consider me an " authorized user '', " co-signer '' or " guarantor ''. Both of our credit reports reflect the account as a jointly held. All payments to this credit card come from my checking account and between the two of us, I use it an order of magnitude more than she does. 

Ironically, we are also joint account holders of checking and savings accounts with Capital One as well. However, online access and management of these accounts is unimpeded. The issue is isolated to the credit card. Additionally, it is because I am a joint account holder that I for some reason can not be delegated account management privileges through Capital One 's online dashboard. 

We have other jointly held credit cards where access and management are not a problem for either of us. When the XXXX Mastercard was administered by XXXX Bank, these were not issues. 

Given that both my wife and I are equally financially and legally responsible for the joint account, I believe we are both entitled to account access and management privileges. Unfortunately, I can not function as a responsible account holder without impersonating my wife ( with her permission of course ) either online or over the phone. 

I have called Capital One several times over the last 2 weeks, and spent several hours, attempting to re-instate online access, re-activate mobile payment options, and manage other account-related tasks without effect. I have initiated a complaint with the XXXX XXXX XXXX without resolution. 

If it were not for our interest in maintaining benefits with XXXX, we would simply close all of our accounts no longer bank with Capital One.

Company response to consumer: Closed with explanation