vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I changed my maiden name back in XXXX. My address changed in XXXX. Since I opened my Capital One account while living at XXXX XXXX, I changed my address to reflect the permanent address. However, their system still showed all this old information. The fact my maiden name was still listed makes no sense. I have not used XXXX since XXXX and that was 7 years before opening my credit card. I called in to correct it all. I spoke with a supervisor named XXXX. His employee number is XXXX. He insisted I mail a completed W9 and my drivers license to Capitol One. I explained that I did not want to send my personal identifiable information via mail since I have been a victim of fraud twice ( once was mail fraud and the fraudsters stole my IRS check ). Capital One has the capacity to accept documents via an upload if they send an email with an upload link. I have uploaded documents this way before, so I know it is possible. XXXX refused. I also explained that Capital Ones controls failed since there was not an appropriate process in place to ensure something like this would not happen. XXXX was not interested in appropriately handling this situation and correcting Capital Ones mistake. He pushed me off even after I said I was going to file a complaint with the CFPB. He said ok, if that is what you feel you need to do. Logically, Capital One could pull a credit report and see my last name is XXXX and that appears on all of my personal documents. I also asked XXXX to verify when my Capital One credit card was opened because that would show evidence that the card was opened long after I changed my name in XXXX. XXXX told me he could not see the opening date. This makes no sense. He works for Capital One. I assume he just didnt want to give me the information because that would substantiate my complaint that Capital One should not have had my maiden name in the system. I called back to ask for a different supervisor and spoke with XXXX and she said her employee number is XXXX. However, one has a 5-digit number and the other has a 6-digit number, so I suspect someone didnt give a correct employee number. XXXX also refused to work with me on this issue. I expressed my concern to her about missing the checking account bonus deadline because their turnaround time to process a name change is 5-7 business days after receiving my W9 via mail. Once that is corrected, then I still would have to go through the process of getting my new account funded in time. XXXX offered no assistance in working with me even though this mistake was entirely Capital One. So, after all this, Capital One may cost me a bonus that I should be entitled to just like every other customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I was trying to send money to a person via XXXX through Ally bank. Ally bank immediately blocked my XXXX account without providing a reason, and Ally customer service gave me a runaround with specialist until I gave up. 

I used my XXXX account with XXXX to transfer to the same person and it went through without any 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 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: SC

Complaint narrative:
I have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and 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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I.C. Systems Inc.

Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Account number : XXXX UNVERIFIED ACCOUNT I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Whenever I rent a car or hotel Chime Bank doesn't put back into my account the money taken out for security deposits. They have been doing it all year in two different accounts and are refusing to discuss the matter or provide any way to resolve the issue with dispute or even simply email. They won't answer questions about them changing the statements and accounting errors thet just lie and play games they have stolen from me over {$5000.00}. I have been trying for three weeks to speak to someone and they won't allow it.

They will lie and say the funds were released or act as if the funds are bit actually cash but those are lies they have told me as well. Ask them in that event to show you the deposit hold release and the amount of the balance after it. They have not shown me any documentation showing they gave out a XXXX  back if these holds with two exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Wave Financial USA Inc.
State: GA

Complaint narrative:
I signed up to XXXX to use there payroll services in early XX/XX/2021. I did everything they asked to verify the account. I even sent extra verification via email. I was able to approve payroll for XXXX employees and XXXX  independent contractors. The company debited my account for payroll on XX/XX/XXXX, but froze the account the next day and asked for additional verification for the XXXX contractors. I sent that verification to them via email. Then on XX/XX/XXXX the company decided that my company was not able to use there services and the money would be refunded with in 65 days. Once a week I contacted them through the chat service to check the status of the refund. No movement was made as to giving me my refund. I continued to ask questions about my refund, but received not assistance. I was refused a supervisor and finally blocked from contacting live chat. Now I am limited to email which has a 10 day waiting period and then they have no calling number. Their website is completely fraud, by saying they would prefer to have a live chat instead of a phone number. I am looking for answers to this issue of getting my money back into my account. If they were not going to process my payroll then they should have never took the funds out of my account. 

attached are FTC filing about the company and most resent attempt to contact a live support representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We sold our house when it was past due, but were able to get the sale completed before the foreclosure occurred. The account is misreporting the status as " Foreclosure '' and the comment " Foreclosure proceeding started '' is not valid either on EXPERIAN. The account is reporting correctly to the other two bureaus. This is inhibiting us from being approved for a new home loan and demand this error be corrected ASAP. I have tried to contact the bank but unable to get through to someone able to 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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Opened account and about 3 weeks later they advised that I didn't meet guidelines and would be closing the account. The account had a negative balance of - {$160.00} approximately. About a month later my employer mistakenly sent a direct deposit of {$370.00} to the account. On XX/XX/XXXX the automated phone system advised the direct deposit was rejected and would be send back to employer. On XX/XX/XXXX someone or the computer decided to deposit the funds I'm assuming to recover the - {$160.00}, however I am in chp XXXX bankruptcy and I do believe they can not collect. Also an agent that answered at the XXXX number of Chase advised that I made a voluntary payment to the account so I couldn't get the funds back. I said that since they decided to close my account I had sent to my employer an update for my direct deposit so no I didn't choose to voluntarily send funds to Chase. XXXX was rude and then he hung.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: WA

Complaint narrative:
I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
I purchased a washer online thru Conns website I applied for credit got approved for {$5500.00}. I purchased the washer on XXXX when I was completing the application I was approved for interest free payments for 12 months and {$100.00} off my purchase. After completing my first application I didnt get my {$100.00}. I called Conns I spoke with Agent XXXX XXXX and she gave me {$150.00} off the purchase and the ensured when I signed my contract it will give me an opportunity to choose interest free. I reviewed the contract didnt have the opportunity for interest free. I Emailed the company got no response so I figured it would be the same as my XXXX XXXX account the interest would not be added as long as I made 12 equal payments of {$82.00}. I received my paper work mid XXXX showing I would be charged more interest then the total cost of the washer {$970.00}. I called Conns I was told by an Agent because I did not spend my total amount I was approved for I was not entitled to interest free. Not at anytime before I signed the contract was that explained they cant tell you after you sign the contract you have to spend all you are approved for.I then spoke with XXXX and the agent insured the contract would be fixed to get interest free. I am on my 3rd payment and I heard nothing from Conns on fixing the loan to reflect interest free. I borrow {$970.00} I will only pay 12 payments of {$82.00} and I will pay no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
WHAT THE XXXX IS WRONG WITH YOU PEOPLE????? YOU SENT ANOTHER USELESS CHECK RECEIPT ( SEE ATTACHED ) VIA XXXX DELIVERED TO MY FRONT DOOR ( AND LEFT IN THE POURING RAIN ) BUT NO VALID CHECK!!!!! AND IT WASN'T EVEN FOR THE RIGHT AMOUNT!!!! IT'S {$15.00} SHORT!!!! DO I REALLY HAVE TO SUE YOU TO BE MADE WHOLE BECAUSE YOU ALL ARE SO COMPLETELY INCOMPETENT???? TO BE MADE WHOLE YOU ALSO OWE ME THE {$15.00} XXXX XXXX DEDUCTED BECAUSE YOU ILLEGALLY STOPPED PAYMENT ON A CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR ( SEE PREVIOUS ATTACHMENTS PROVING XXXX XXXX TOOK MY {$15.00} )!!!! IF I HAVE TO SUE FOR {$50.00}, I'LL ALSO BE SUING FOR THE COST TO FILE THE LAWSUIT, THE COST TO SERVE CHASE, THE COST OF MY TIME OFF FROM WORK. WHAT DO YOU THINK MY CHANCES ARE IN COURT???? PROBABLY PRETTY GOOD SINCE I'VE GOT ALL THE PROOF THAT YOU STOLE MY MONEY TWICE AND NEVER SAID I HAD TO CALL TO CONFIRM I'D RECEIVED THE ONLY CHECK YOU SENT OR YOU'D STOP PAYMENT ON IT!!!!! THIS IS ILLEGAL AND COMPLETELY UNACCEPTABLE!!!! STOP SENDING USELESS PIECES OF PAPER VIA XXXX AND SEND ME AN ACTUAL XXXX CHECK FOR {$50.00}!!!!! WHAT DID YOU DO WITH OTHER NON-CHECKS YOU DIDN'T SEND ME????? DID YOU STOP PAYMENT ON THOSE TOO WHEN I DIDN'T CALL TO CONFIRM I NEVER GOT A CHECK YOU CLAIM YOU SENT???? COMPLETELY INCOMPETENT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: SC

Complaint narrative:
I have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and 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 2021-07-29 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:
I have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am being harrassed by a company named Affirm, who informed me I owe them {$12.00} for a loan I took out with them. I informed them I never took a loan out and I do not owe them any money. Some how the company has all my contact and personal information and sent me an email and text informing that they were going to report me to collection and XXXX. I informed them that I didn't seek a loan from them multiple times and that I wan them to remove my information from their records and to stop contacting me. 

I am not sure if the company is real. I took a look at the affirm site and they have complaints from others noting the same type of incident ; being contacted for loan payments for loans they never applied for or received. I've attached the email I've received but I don't believe I need to deal with these people. I didn't take a loan out and don't believe it's fair for someone to bother me dishonestly to swindle money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had the intention of purchasing a puppy from this website : XXXX After email communication with this seller - I was asked to make a payment through XXXX. My bank account uses the XXXX payment system. I initiated the payment and during this time was realizing that things seemed out of sorts and that I was potentially being scammed. I did verify with the bank that I had initiated the payment- so Chase Bank did continue to process my request. After I realized the scam, I called my bank because the payment did say it was still pending. But Chase told me there was no way to reverse the transfer of the funds. I deposit quite a bit of money into my Chase bank accounts- personally and for business. And I would have hoped that they could provide more protection of my funds and use a payment system that protected against fraud. 
Anyhow, I was told by Chase to call XXXX and they provided me with a customer service number. When I called a recorded message came on to say that there was no way to recover funds sent through my bank- they would only be able to assist me or answer questions if I used the actual app for XXXX XXXX This happened on XX/XX/2021. I was scammed out of {$1000.00}. Both Chase and XXXX had nothing to offer me in order to recover my funds- no buyer protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the course of the 8 months of having a car loan through XXXX XXXX XXXX, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because XXXX then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.

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