vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: MD

Complaint narrative:
My Wife & I 's XXXX XXXX, our longest credit account of record, was transferred on XX/XX/XXXX from being issued and managed by XXXX XXXX , to being issued and managed by CapitalOne bank . We were told after the XXXX transfer period our account access would be restored. At the time of notice we were told all account holders would retain and be reissued a CC. We also have long held savings, checkings, and another XXXX account with CapitalOne bank. On XX/XX/XXXX I attempted to log-in to my CapitalOne accounts to manage transactions and pay the XXXX. There was no access for me, but my wife retained access. We were originally co-applicants to the CC when we opened it, and have retained joint access and joint management of the CC. It has appeared on both of our credit histories even before we were married. My wife attempted to grant me account manager access to the XXXX through CapitalOne but that was not allowed, despite it being allowed for her other CapitalOne credit card. After numerous calls to CapitalOne on XXXX ( and lots of conflicting information ) we were finally told by 3 separate account supervisors in succession on two different calls that " CapitalOne systems do not allow for joint access to manage this CC '' and that our options were to only use my wife 's account login to manage the CC or close the account. I pointed out that it is actually a violation of CapitalOnes Terms of Service that she share her log-in with another person, and that their claims of " systems '' not allowing fall flat when they specifically allow for joint account manager access on other credit-cards. I also pointed out that this CC was opened under the terms that we would both have joint access and control... and we never waived or asked for that to be restricted. I asked they honor the original terms when we opened this credit card and they said " we can't ''. Supervisory Account managers XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ) made these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 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 2022-08-17 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: GA

Complaint narrative:
All of the accounts and inquiries listed below were all opened fraudulently without my consent. 

Equifax XXXX XXXX XXXX {$710.00} Acct # XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX online payment for {$370.00} sent XX/XX/29 to Ally Financial, transaction code - XXXX to be applied to account. Payment should have posted XXXX. Getting late notifications. I have called almost every day with no resolution. I have also faxed Ally a copy of bank statement showing payment deduction. The response is always sorry and someone will call me back. No one ever calls and payment continues to show pass due. They say payment has been misapplied but no one seems to really follow through. I would like payment properly applied to account with late fee and additional interest charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NV

Complaint narrative:
EQUIFAX HAS HAD MORE THAN 30 DAYS TO SUPPLY STATUS OF MY DISPUTE WHICH THERE ARE MULTIPLE ITEMS CONTAINED IN THE DISPUTE CONCENING EACH AND EVERY DEGATIVE ITEM REPORTED ON MY LAST CREDIT REPORT. AT THIS POINT EQUIFAX IS IMPAIRING MY ABILITY TO PROPERLY CORRECT MY CREDIT REPORT & CREDIT SCORE, THIS IS CAUSING ME FINANCIAL INJURY ; AND THEREFORE EQUIFAX 'S ACTIONS AND/OR LACK THEREOF IS ADVERSELY AFFECTING MY CREDIT SCORE ; MY PREVIOUS COMPLAINT TO THE CFPB WAS FORWARDED TO EQUIFAX AND ACCORDING EQUIFAX WAS ALLOWED ADDITIONAL TIME TO COMPLETE THEIR INVESTIGATION. NOW EQUIFAX IS STILL LAYING AND REFUSING TO COMPLETE THE INVESTIGATION SAYING I NEED TO FURNISH " INDENTIFICATION '' CONSISTING OF A PAY STUB AND/OR A W-2 FORM AND OR A VALID SOCIAL SECURITY CARD WHICH I DONT AGREE TO PROVIDE AS I DO NOT CONSENT TO EQUIFAX USING MY IDENTITY NOR MY CREDIT CARD ; THEN EQUIFAX WANTS MY CURRENT ADDRESS ON A DRIVER 'S LICENSE AND/OR A RENTAL AGREEMENT OR HOUSE DEED, OR PAY STUB WITH ADDRESS AND/OR UTILITY BILL, I DONT HAVE ANY OF THOSE. I'VE SENT EQUIFAX A COPY OF MY BANK STATEMENT AS PROOF OF ID AND ADDRESS THAT'S ALL I CAN AND/OR INTEND TO PROVIDE TO THEM. AS FAR AS I'M CONCERNED EQUIFAX HAVE HAD AMPLE TIME AND INFORMATION TO DO THEIR INVESTIGATION, FURTHER DELAYS IN DOING SO WILL NOT BE TOLERATED ; I DEMAND THAT SINCE THE INFORMATION OR LACK THERE OF IN EQUIFAX 'S RESULTS BE UTILIZED AS IS, AS EQUIFAX REFUSES TO VERIFY THE INFORMATION ON MY CREDIT REPORT AS 100 % ACCURATE, THEREFORE I ACCEPT THAT EQUIFAX HAS CERTIFIED THAT NONE OF THE INFORMATION ON MY CREDIT REPORT IS 100 % ACCURATE AS EQUIFAX HAS FAILED OR REFUSES TO INVESTIGATE. WHEREFORE I DEMAND THAT THE CFPB REMOVE ALL NEGATIVE CREDIT REPORTING FROM MY CREDIT FILE AND ADJUST MY CREDIT SCORE ACCORDINGLY AND DO SO WITHIN 3 BUSINESS DAYS OR 72 HOURS FROM NOW IN ACCORDS WITH TILA ; FAILURE TO PROCEED AS I DEMAND WILL GIVE RISE TO CAUSE OF ACTION FOR A CLAIM AT LAW AGAINST ALL RESPONSIBLE TORTFEASERS FOR DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NJ

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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 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 2022-08-17 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: IL

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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We currently have a joint bank account with Bank of America. Yesterday all of our assets were frozen and we were left with nothing in any of our accounts. {$1000.00} of these funds were from a XXXX check deposited into the account. The law firm refuses to release the money and puts the blame on the bank. The bank also puts the blame back on the law firm. Also the garnishment has no weight. My partner attended a hearing in XXXX  for it and they did not show up to represent themselves. Unless they went to court without informing us of a legal suit there is no record of a collection being issued that we have any knowledge of.

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 monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
CHIME BANK SENT ME AN EMAIL ON XXXX XXXX STATING THAT THEY WERE CLOSING MY ACCOUNT ON XXXX NO EXPLANATION- THEY STATED I SHOULD GET ALL OF MY MONEY OUT OF THE BANK BY XXXX OR I WOULDNT GET MY MONEY UNTIL 30 DAYS AFTER WHEN THIS WAS SENT I WAS ON VACATION- SO SINCE I HAD MONEY IN BOTH ONLINE ACCOUNTS CHECKING AND SAVINGS- I COULD WITHDRAW MONEY FROM CHECKING- BUT SAVINGS I COULD ONLY WITHDRAW XXXX A DAY- OF COURSE I HAD MORE THAN XXXX IN MY SAVINGS- SO MY NEXT DAYS ON VACATION WERE INTERRUPTED BY GOING TO AN ATM EVERYDAY TO WITHDRAW FUNDS TO DEPOSIT INTO ANOTHER BANK. 
I ALSO HAD A DIRECT DEPOSIT SET UP WITH THIS BANK WHICH WAS TO COME IN ON XXXX THIS IS A MONTHLY CHECK- THAT I DEPEND ON SINCE I AM XXXX I TRIED TO CHANGE MY DIRECT DEPOSIT SET UP QUICKLY BUT WITH LITTLE OR NO WARNING FROM CHIME BANK- I KNEW IT WAS GOING TO BE A PROBLEM I FOUND THAT THE DEPOSIT DID TRY AND GO INTO THIS CLOSED ACCOUNT ON XXXX AND CHIME SENT ME AN EMAIL STATING THEY RETURNED IT TO MY COMPANY ON XXXX NOW THE COMPANY I CALLED THEM AND THEY SAY MY DEPOSIT IS FLOATING AROUND SOMEWHERE- BUT THAT THE DIRECT DEPOSIT TO ANOTHER BANK WOULD BE AVAILALBE NEXT MONTH XXXX 
NOW I DONT HAVE MY DIRECT DEPOSIT STILL AS OF TODAY- AND MANY BILLS THAT I PAY ARE NOT BEING PAID AND I HAVE GOTTEN NOTICES FROM ALL OF MY CREDITORS LOOKING FOR PAYMENT. 
I CANT PAY BECAUSE I DONT HAVE ANY MONEY- THANKS TO CHIME BANK. I HAD BEEN BANKING WITH THEM FOR OVER 3 YEARS- THERE IS NO WAY TO REACH A LIVE PERSON ONCE THEY CLOSE YOUR ACCOUNT- THEY EMAIL YOU AND TELL YOU TO TAKE A PICTURE OF YOURSELF HOLDING YOUR DRIVERS LICENSE AND THEN TAKE A PICTURE OF A UTILITY BILL WITH YOUR NAME AND ADDRESS AND ONE OTHER FORM OF IDENTIFICATION- I DID ALL OF THIS AND THEY STILL HAVE NOT CONTACTED ME. 
I WANT THEM HELD RESPONSIBLE FOR THEIR UNPROFESSIONAL ACTIONS AND MY DAMAGES ARE WORTH OVER XXXX I AM BEING HARMED GREATLY- NO BANK THAT I HAVE EVER BANKED AT WOULD JUST CLOSE A PERSONS ACCOUNT FOR NO REASON AND THEN NOT GIVING THEM AMPLE WARNING- 4 DAYS THAT WAS IT- IM LUCKY I READ MY EMAILS- BECAUSE THAT IS THE ONLY WAY I FOUND THIS OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. I have reached out numerous of times after Equifax said that a proper reinvestigation after my initial letters and complaint for XX/XX/XXXX was done. However I still have multiple duplicate inaccurate accounts listed on my credit report which are affecting my livelihood and ability to obtain proper credit. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed because : According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
Midland Mortgage was sent a payment by wire transfer of XXXX on XX/XX/2022 for XX/XX/2022 payment to cover check that was returned due to having fraud on bank account. I contacted Midland to confirm receipt on XX/XX/2022 and was told it was received and applied. After the XXXX of XXXX I received notice payment was not received which prompted immediate contact to XXXX to find payment. Every department I was connected to couldnt give correct information, this continued from XX/XX/2022 to date XX/XX/2022 contacting their, customer service department, XXXX XXXX department, XXXX department, XXXX department, XXXX times weekly I made multiple attempts to rectify the issue with no resolve and being told XXXX receive a call the end of the week or to call back. I continued to make on time payments which are being posted as late payments leaving the account delinquent. I provided Midland Mortgage with copies of successful and received payments to Midland Mortgage from my bank. Ive wrote the Vice President of Midland Mortgage a complaint, I put in an additional request once uncovering that the payment was in error being split between unapplied funds and escrow notifying them they made an error and it needed to be reversed, I called back for XXXX weeks the request hadnt been processed, I called back the XXXX week only to be told the request was completed however that was false information and the account wasnt bought current, with no justification as to why and wanted to resubmit another request after asking numerous times to speak to a supervisor I was placed on hold for over an hour by XXXX, then spoke to XXXX ( XXXX ) who identified herself as a supervisor who stated I have no idea why this wasnt complete properly, I would need to do some research, and have someone contact you by Friday XX/XX/2022, I replied XXXX contacting the CFPB this has gone on long enough.

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 2022-08-17 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: MI

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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 2022-08-17 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: MI

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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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