vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is not allowing me access to my credit report and score. 

I have had an issue with XXXX unfairly loading my credit score after I applied with Capitol One credit card services. 

Capital One and XXXX both harassed me daily with credit pre approval invitation from Capital One and credit card match emails from XXXX suggesting I apply with Capital One. 

Ever since I applied with Capital One, XXXX is unfairly and deceptively denying me access to me credit report and score. During this time I asked XXXX why they decreased my score by XXXX points when I applied with Capital One they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word XXXX alleges it is incorrect. When I request to reset password XXXX advised they are sending a text or call to my phone number. I never received the text or call. 

I feel XXXX is purposely denying me access to my account because they are in cahoots with Capital One Im trying to destroy CERTAIN consumers credit. 

XXXX needs exposure, investigating, and auditing. 

Please ask XXXX why they are violating my fair credit rights and why I am being denied access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not allowing me access to my credit report and score. 

I have had an issue with Experian unfairly loading my credit score after I applied with XXXX XXXX credit card services. 

XXXX XXXX and Experian both harassed me daily with credit pre approval invitation from XXXX XXXX and credit card match emails from Experian suggesting I apply with XXXX  XXXX. 

Ever since I applied with XXXX XXXX, Experian is unfairly and deceptively denying me access to me credit report and score. During this time I asked Experian why they decreased my score by XXXX points when I applied with XXXX XXXX they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word Experian alleges it is incorrect. When I request to reset password Experian advised they are sending a text or call to my phone number. I never received the text or call. 

I feel Experian is purposely denying me access to my account because they are in cahoots with XXXX XXXX XXXX trying to destroy CERTAIN consumers credit. 

Experian needs exposure, investigating, and auditing. 

Please ask Experian why they are violating my fair credit rights and why I am being denied access to 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
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One advertises 5x rewards when booking travel through the Capital One app. The app does not allow me to book travel, therefore Capital one is only giving me 1x rewards when I should have received 5x I find Capital One to be very unethical. I truly feel they are participating in internal fraud, predatory credit services, bait and switch along with unfair and deceptive business/credit reporting servuces.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
On XX/XX/XXXX or XXXX I ordered a transfer of funds from my savings account at XXXX Goldman Sachs to XXXX XXXX to purchase a 13 month CD with a good interest rate. I went through the process of verifying test deposits from XXXX into the XXXX account. XXXX called me at XXXX on XX/XX/XXXX. I couldn't answer and I called them back at XXXX, two minutes later. They were calling to verify my transfer of funds to XXXX. I thought this was odd- it has never happened with any other transfer I've made at any other bank. Anyway I told them yes, the transfer was legitimate and that I had made it. They said " fine, we'll go ahead ''. Then on XX/XX/XXXX I logged in to my XXXX account and found that the CD that I had purchased with the funds from XXXX had been opened on the XXXX but then was closed on the XXXX! No sign of the funds. I immediately called XXXX and asked them if they knew what was going on. They said that because I didn't answer the phone at XXXX on the XXXX they decided to " pull the funds back '' ( their words ). I am outraged that they arbitrarily and without consulting or informing me closed my account at another bank and took the money back to themselves. Surely this can't be legal!? Of course I can't contact XXXX because it's XXXX and they're closed, so I can't ask them why they allowed this to happen without consulting me. I talked to two different people at XXXX both equally useless who just read from a script and blamed me for not answering the phone even though I called them back 2 minutes later. This seems like a scam they are running. Since when is it incumbent upon a client to answer a phone call to confirm a transfer order he made when he went through the already complicated process of validating his account with test deposits, logging in with his secret password, etc. etc.? The attractive CD rate at XXXX is now gone and XXXX just has a XXXX XXXX XXXX XXXX! attitude. I am closing my accounts there as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I went to XXXX located at XXXX XXXX XXXX, XXXX, Florida XXXX to wire a {$320.00} payments money through Western Union to XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. Wester Union XXXX # XXXX XXXX XXXX alleged they never received payment from Wester Union and failed to post payment to my account. 

Western Union charges and was paid for a timely service that was not rendered. For almost two weeks XXXX XXXX alleged they did not receive my payment from Western Union. XXXX XXXX did not post the payment to my account until XX/XX/2024 ; After I reported both, XXXX  XXXX and Western Union to the Florida Attorney Generals office. 
. 
I do not know which company caused this UNFAIR AND DECEPTIVE DILEMA, FINANCIAL HARDSHIP, DENIAL IF ACCESS TO MEDICAL CARE/MEDICATION, DISAPPOINTMENT, STRESS, XXXX, AND VICTIMIZATION upon my family, but an investigation, exposure, and audit is needed. IT APPEARS BUSINESSES PRACTICING IN THE STATE OF FLORIDA HAVE BEEN GIVEN A PASS TO COMMIT BUSINESS CRIMES AGAINST CONSUMERS BLATANTLY, CONTINUOUSLY, AND WITHOUT ACCOUNTABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I executed a note and security agreement with Flagship ; I received my first statement on XX/XX/XXXX and have paid as agreed for the life of the loan. 

Flagship Credit has failed to report the tradeline whatsoever to any of the 3 major consumer reporting agencies. 

This causes me demonstrable harm as a consumer as this directly impacts my ability to access preferential consumer credit, increases my insurance rates in the State of Texas, and increases my overall finance charges in other obligations. 

Researching the numerous public complaints to the CFPB, reviews on public aggregators, and the XXXX  show Flagship does have a history of reporting to CRAs but fails to so for many consumers. 

By positively establishing they have the ability to report and showing pattern of reporting for some, it suggests they lack a robust internal process to do so and thus as consumers we are harmed as a class by their negligence in what is a standard & expected industry practice the regular and accurate reporting of a consumers performance on consumer credit products. 

Lastly, by failing to report accurately and timely information, Flagship is perpetuating a predatory system of consumer lock-in as attempting to refinance away from them becomes much more difficult when prospective vendors are unable to verify the account on a consumers credit report. This is grossly magnified since to refinance there must be demonstrable consumer benefit, the lack of reporting deprives consumers of the positive credit history they might use as a basis for favorable loan terms. Thus a consumer is burdened against refinancing away on 2 fronts : lack of positive credit history to provide a demonstrable benefit & administratively hindered by lacking the reporting basis to allow other lenders to review the tradelines performance I attempted internal remediation on XX/XX/XXXX however Flagship gave themselves 30 business days to respond which is an excessive and burdensome timeframe.

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I currently bank with Randolph Brooks Federal Credit Union for checking, savings, auto payment, and credit card. 
I am currently on leave from work and my primary checking account is overdrawn. Also, I am late on my car payment. 
The issue I am having is with my brother 's Social Security Account. My brother is XXXX XXXX 's, and Social Security has designated me as his Representative Payee for XXXX payments. The Credit Union ongoingly tries to offset my debt with his account. Legally those funds are used solely to pay his expenses and not mine I just oversee rental payments, electricity, cable, phone, food and other necessities. Regarding my brother 's account, The credit is constantly overstepping their boundaries and trying to place my debt along his payee account ( which is illegal ). 
Today, I woke and noticed that the XXXX deducted XXXX from his account and paid my past due auto note. Again, legally these are not my funds. That issue was cleared over the phone. Later on I went the bank and the branch manager refused to release his beneficiary funds to me because based on my accounts being in a past due standing. She stated the collections department was closed and she refused to provide me access to his account. Again, this is technically not a joint account this is a XXXX Account. Anytime I am pass due or overdrawn on my debts, the credit union goes through the collection process on me by not allowing me to withdraw funds until they speak with someone at corporate. Today since i came at closing, via drive thru, I was not provided access to his funds therefore according to SSI they are acting in negligence on behalf of my brother. Also the XXXX has XXXX my bankcard access to my brother 's account. This is always ongoing every time one of my accounts are past due. When I tried to explain, over and over, the branch manger disconnected the connection and did not even allow me to access my account nor did they give me my driver 's license back. About 30 minutes later, I contacted XXXX Police department and filed an information report. Tomorrow, XXXX, I will have to undergo this same treatment when it comes to my brother 's beneficiary account. 

This issue occurred with the Branch Manager at the XXXX location around XXXX on XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am trying to rent a home for myself and my XXXX children I have sent numerous dispute laters and made numerous calls to the credit bureaus to have them remove negatively affective account on my credit that has not be validated. The negative reporting is hindering me from providing a stable home for myself and my children. Also according to law 15 U.S.C. 1681 et seq., requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to rent a home for myself and my XXXX children I have sent numerous dispute laters and made numerous calls to the credit bureaus to have them remove negatively affective account on my credit that has not be validated. The negative reporting is hindering me from providing a stable home for myself and my children. Also according to law 15 U.S.C. 1681 et seq., requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is 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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase Bank regarding the closure of my bank account and the subsequent withholding of my funds without resolution for an extended period of eight months. 

The issue began when Chase Bank unexpectedly closed my account on about the end of XXXX, XXXX, without prior notice or explanation. Since the closure, I have been unable to access my funds, amounting to approximately {$4700.00}. 

In an attempt to resolve this matter, I have contacted Chase Bank 's customer service department on multiple occasions. Despite these efforts, my inquiries have been met with vague responses of follow-up that have not materialized into any action or solution. To date, I have not received a satisfactory explanation for the account closure, nor have I been informed of any steps I can take to retrieve my withheld funds. 

The lack of transparency and responsiveness from Chase Bank throughout this process has been highly disappointing. I believe that I have exercised due diligence in seeking a resolution, including providing any requested documentation and persistently following up with the banks customer service. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and facilitate the return of my funds. I am prepared to provide further details or documentation as may be required to assist in the resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is 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 non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: ME

Complaint narrative:
I bought the car in XXXX. I had to get it because my car broke down the XXXX I was at the dealership. Santander consumer was the only place that would help me finance. I needed a car to leave so I had to. They also charged me XXXX $ a month which is extremely unreasonable for a single mother of XXXX XXXX I have tried to work with them on the issues im facing, and they just won't budge. I became homeless and lost my job in XXXX. I live in my car. If they finalize repossession and take my car I will have nothing for me and my kids. I know they do a loan forgiveness program, but they just won't budge. This had made me XXXX XXXX and aXXXX. I live daily knowing they could take my car. And I just feel like I'm not worth it as a person. I see how Santander consumer helps the community and offers a loan forgiveness program. But they just don't want to help me and my kids and I desperately need the help. I live in maine and the state just isn't helping me either. I am homeless and XXXX, and I'm a XXXX XXXX XXXX XXXX XXXX. I honestly feel like I deserve at least one break in my life. Especially from a company that doesn't want to work with me on my loan knowing I lost my job due to my XXXX and i dont work at all so no income coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus nor XXXX have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items Im demanding to be deleted and or updated immediately.. 
XXXX XXXX Account # - XXXX Account # - XXXX XXXX and Equifax are reporting incorrect information on my business credit report. I do not owe XXXX any money and never did. I dont owe any late payments either I never received payment any service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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