vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
About 2 months ago, I tried to link an external account to my Ally account but got an " unexplained error. '' I am not unable to link any new external account from within my Ally account. Over the past XXXX  months, I have chatted and called in 10+ times, always waiting on hold for XXXX minutes. When I speak to a rep, I am always told the case ( case ID XXXX ) has been " escalated '' and I will receive a call back in 1-2 days once the issue is resolved. 

I was eventually told that while Ally 's external account limit is XXXX, and I have about half that, because I have previously had XXXX ( over my history with Ally ), the system has a flaw where it's still thinking I've hit the max number of external accounts. Ally 's solution is to raise my external account limit. 

Every time I call, I am asked to retell my story from the beginning. A few days ago, I finally learned that while the case had been " escalated, '' it was labeled " low priority, '' even though every prior rep had specified it was labeled " high priority. '' Additionally, whoever initially created the case filed it with Ally 's " Loss Prevention '' department. I spoke to a rep in that department who apologized it had been incorrectly filed to them but that he had no way of changing how it was filed. He suggested I call Ally 's " ACH Ops '' department, but when I call back the next day, the rep wasn't able to locate any department by that name/type. 

This is an incredibly easy fix : either raise my external account limit or fix why the system is seeing previously-deleted accounts as still present. Ally is my and my wife 's primary bank, and we regularly keep around $ XXXX present, but we will be unable to continue using it is this issue isn't fixed.

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 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE BANK REFUSAL TO OPEN PERSONAL OR BUSINESS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for the permissible permission used to have accessed my credit report by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Experian in XX/XX/2017 that I had requested for 5 years. Experian replied - According to our records, the disputed item does not appear on your personal credit report at this time. This is false and is still on my report. Perhaps this person was new at Experian and hit the wrong programmed reply button.

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 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
CITIZENS BANK REFUSAL TO ALLOW THE OPENING OF A PERSONAL CHECKING ACCOUNT AND BUSINESS CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-25 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My closed XXXX XXXX credit card account was reported to XXXX as XXXX late. I made a payment to bring my account current before XXXX days in the amount of {$80.00} on XX/XX/2022. I tried logging into the Commenity website to verify this but it seems the account dashboard is down. It was taken out of my checking account though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Charged $ XXXX service fee on checking account when funds dropped below {$5000.00}. This happened for 5 months in a row, even though I had over {$15000.00} in savings account at same bank and only wrote XXXX or XXXX checks in a 7 year period, likely no more than XXXX during the time I was being charged the exorbitant service fee. I want to know what service I received for my money since there was little or no activity on that checking account. Also, it took XXXX phone calls to get PNC bank to agree to give me the rewards that I had already earned and twice been denied when I decided to take my money elsewhere. The bank only agreed to send me the rewards money after I told them that I was filing a complaint with this government agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
DENIAL OF AN APPLICATION FOR A SECURED CREDIT CARD BASED UPON XXXX DISCRIMINATORY REDLINING PRACTICES.

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 2022-06-25 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: SET Financial Corporation
State: MO

Complaint narrative:
Submitted a dispute for an inaccurate late payment that is reflecting on an installment account for the month of XX/XX/2022. The investigation resulted in a verified reporting. Thus, is incorrect as I submitted proof of payment as well as communication from the furnisher that the payment was made on time and in full and should be reported as such and not over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX AND Equifax are both reporting completely different filing dates, closing dates and court names for XXXX XXXX bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : XXXX XX/XX/XXXX Equifax- XX/XX/XXXX Closing date XXXX XXXX XX/XX/XXXX Equifax- Court name XXXX XXXX- US BKPT CT XXXX XXXX Equifax- FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has an automated system to add an unauthorized payee ( new Wells Fargo credit card ) to your online checking account bill payment function each time you get a new credit card. This happened most recently to me on XX/XX/22 but has happened previously in the past several months. I made at least XXXX complaints to Wells Fargo including their executive office ( XXXX ) but they have not resolved this issue by removing that automated feature. Besides being unauthorized ( and possibly illegal like those unauthorized accounts Wells Fargo set up in the past ), the automated feature is inconvenient because I have to manually remove the payees, and it creates the risk of unauthorized payments. This does not help customers either because they can use a transfer function to make Wells Fargo credit card payments and don't need this automated feature.

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 2022-06-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I set bank auto-pay function to pay the statement balance on the due dates. Payments have been taken from the designated account as scheduled when the balance is due. Yet, I was charged with the interest of {$6.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

On or about XX/XX/XXXX I telephonically contacted the card issuer and reported the issue. The representative told me they would review the case. 

On or about XX/XX/XXXX I contacted telephonically and via their website regarding the same issue. They responded that they received my complaint and they were looking into it. 

On XX/XX/XXXX I telephonically contacted the card issuer again and asked for the updates. I was told again, they were reviewing the case. 

As of XX/XX/XXXX, I have not seen any resolution. I am not sure if they were really looking into the matter as they said so I am asking the Bureau 's assistance.

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 2022-06-25 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: NY

Complaint narrative:
USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.

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 2022-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My closed XXXX XXXX credit card account was reported to Transunion as XXXX late. I made a payment to bring my account current before 30 days in the amount of {$80.00} on XX/XX/2022. I tried logging into the XXXX website to verify this but it seems the account dashboard is down. It was taken out of my checking account though.

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 2022-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion about inaccuracies on my credit report regarding XXXX  XXXX XXXX and TransUnion sent me a letter that they verified the account. TransUnion has not given me the information I requested on the verified documentation and how can it be verified when on the credit reporting agencies the last activity and close dates do not match each other. The XXXX XXXX account Transunion claimed they verified has a closed date, last activity and company name that do not match. The two ( 2 ) XXXX XXXX accounts have inaccuracies with payment history, closed dates, and last activity. It is the responsibility of Credit Agencies to report accurate information.US Dept. ED/XXXX  XXXX has inaccuracies with payment history, closed dates, and last activity. Transunion has not done its due diligence to ensure the accuracy of the information they publish on my credit report. In addition to the inaccurate accounts, Transunion is also reporting hard inquiries that are not Metro 2 Compliance and they do not have my permission to report these erroneous items : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. I sent Transunion a letter requesting the information be investigated over 30 days ago and I have not gotten a response of any kind. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-06-25 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: MO

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}

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 2022-06-25 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: MO

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Since approximately XXXX I have had an online checking account with Chime, which operates under the banking authority of XXXX XXXX XXXX. Around the dates of XX/XX/XXXX to XXXX of this year ( XXXX ) I deposited 3 checks using the mobile deposit feature within the Chime XXXX app. These checks were drawn on my investment accounts with XXXX, which had an available balance to cover the amount of the checks. I needed to move money to my Chime account in order to pay rent. The Chime app stated that the checks would be available by XXXX the next business day, and I made arrangements with my landlord based on that assurance. 

However, despite that, only an hour or two before the XXXX availability time for each check I received emails stating that Chime would not deposit them, and they didn't provide any information as to why, or what the problem is. 

This brings me to my main complaint : shortly after the above events, I tried to login to my Chime account to deposit funds via other means, and I received an error stating : Your account has been closed. If you think this is a mistake, please contact Member Services at XXXX  I tried to email that address earlier this month, but I did not receive any response. I received no notice whatsoever that my account was going to be closed, or even after it was closed. Nothing via email, postal mail, phone, etc. I was relying on the availability of my account to be able to deposit money and pay my bills online and via ACH, so this disrupted my life to a great extent. 

I filed a complaint with the FDIC against XXXX, who Chime uses as their banking provider ( case # XXXX ) regarding these issues on XX/XX/XXXX. XXXX sent the FDIC and myself a response stating that Chime would reach out and assist me with reopening my account, however that was not true. Chime never contacted me, and when I contacted them as well as XXXX about this, Chime replied stating that they would not reopen my account. So, XXXX lied to the FDIC in order to close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.

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