vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
I went to XXXX XXXX dealership in XXXX XXXX, ND and after being told that I did not qualify for any sort of car or loan I realized that they had placed several hard inquiries with different potential lenders in the short time that I had been there. Although it seems as if they have removed any evidence of the hard inquiries on the dealership 's behalf, it is my belief that my information was already shared or sold to other entities who have used my data in the most improper ways to either create unnecessary credit reporting. Also, it looks as though several companies have taken it upon themselves to change information that has to do with my checking accounts that are including XXXX activity and sharing credit reporting information with potential employers without my consent. These companies would include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and ALLY Financial. Since learning of these breaches of information and misuse of my data and identity I have noticed an unusual fluctuation in my credit score, I have been denied employment, and my checking account has had several unauthorized debits and withdrawals that I have had to dispute. I really hope that there is some resolution to the difficult situation that this has caused me and my family because I really need to know how to keep this from happening in the future.

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 2022-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXXXXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX XXXX in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my XXXX XXXX XXXX. I contacted Capital One for both my credit cards ending in XXXX and XXXX because I would not be able to make payments on time. This was also during the time I got XXXX  with my XXXX XXXX XXXX  in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by capital one not to worry ( even made payments as much as I could with my savings I had and receiving no income with a XXXX  ). In the months of XXXX, XXXX, XXXX and XX/XX/2021 Capital One discriminated against me for XXXX XXXX XXXX  and XXXX  being unable to make on-time payments because my job was delayed in paying me and Capital One charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made 0 late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from Capital One discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My ex husband and I had a joint account that was supposedly been offset and closed. Ive been inside XXXX, Tn Regions branch to get my name taken off the account apparently the teller did not do his job. Ive also called numerous of times for my name to be taken off the account and closed. However, my ex husband whom is supposedly banked with Regions as well have a few things coming from the account that he did not stop so according to Regions since it is a joint account and with my name on it the will take the money from my new account since it is active and available instead of the person they clearly see who fault it is. This is the first time that it happened which was XXXX XXXX in the amount of {$190.00}. I spoke with several people about this issue they all gave me the same excuse, nothing can be done. As of today, XX/XX/2022 the same issue arise there was amount of {$57.00} taken from my account due to my ex husband issues as stated before. The account apparently was reopen because of my ex husband mistakenly depositing {$30.00} into the wrong account. The joint account was offset for at least a month before this issue. There was also another fee on XX/XX/2022 in the amount of {$170.00} that was taken out of my account from Regions that I was unaware of. I have been banking with Regions for awhile now and I am very disappointed in the lack of concern they have shown. The entire situation is unfair and disheartening to the point were I no longer want to bank with Regions.

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 2022-09-30 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: LoanCare, LLC
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: OH

Complaint narrative:
I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
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 non-monetary relief
Consumer complaint received 2022-09-30 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: OH

Complaint narrative:
I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX XXXX XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sent a letter to Experian dated XX/XX/2022 regarding XXXX XXXXXXXX XXXX ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me

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 2022-09-30 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:
The funds listed below were deposited into the Chase Branch on XX/XX/XXXX, I have phoned and spoken with Numerous customer Service representatives at Chase regarding this issue and have gotten nowhere, I did not expect to that I would have to continue to plead with Chase regarding these deposits, They implemented/initiated the Process of closing/Terminating the accounts and I would expected that they would have faithfully refunded me my funds. I have been expecting a cashiers check in my name as of today that has not happen. I was advised to personally go into the branch with the appropriate identification and they would resolve the matter from there as of today the issue has not been resolved. 

( XX/XX/2022 ) {$3500.00} ( XX/XX/2022 ) {$1500.00} At first everything seemed to be on track, On XX/XX/XXXX I went into The Chase Branch Located at : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX I sat and spoke with the Branch Manager ( XXXX XXXX ) who phoned the Executive Branch and advised them that I was there and presented them with the appropriate Identification and that I XXXX XXXX was the Issuer of the checks that were never reimbursed. 

The checks were sent payable to XXXX XXXX the incorrect party : which the accout was closed/Terminated. 
I spoke with ( XXXX XXXX at the Executive Office on several occasions regarding this matter As recently as XX/XX/XXXX and she indicated that she was going to speak with the lawyers and would be getting back to me, as of today I have not received any type of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Received credit alert from my XXXX account that there was an inquiry into my credit for Kohls department store credit card. I did not do this. I called Kohls and they confirmed that someone applied to a credit card using my information but with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( not my address ). I asked Kohls to cancel the card and start a Fraud inquiry. 
I then checked my credit report on XXXX and found this same address was listed for me. I did ask for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( Capital One ) has violated my rights under 15 USC 1681. In section 602 it states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may 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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 Someone in XXXX, Florida opened an XXXX XXXX store credit card account in my name using my Social security number and cell phone number. I received a bill in the mail from the credit card company. I contacted Comenity Bank who is the creditor for this store credit card and the XXXX XXXX store where the card was applied for to report fraud on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give TransUnion my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e TransUnion, XXXX, XXXX ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name TransUnion XXXX and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name TransUnion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

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 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I have had a mortgage with XXXX XXXX  for several years. On XX/XX/2022 XXXX transferred my mortgage to Nationstar Mortgage LLC dba Mr. Cooper. I had to begin making my payments to Mr. Cooper beginning XX/XX/2022. I made my first payment XX/XX/2022. I made a second payment on XX/XX/2022. Mr. Cooper accepted both payments and automatically deducted another payment from my XXXX checking account on XX/XX/2022 without my approval. Mr. Cooper was not authorized to have my checking account information or deduct money from my account. I called XXXX and reversed the unauthorized payment. Mr. Cooper is charging me a {$10.00} fee for something. I assume for that reversed payment that they fraudulently deducted from my account. Each payment was {$930.00}. This was not a mistake. Mr. Cooper knew what they were doing and intentionally committed fraud. 

Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that information.

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