vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a specialty Visa with Chase bank. A few months ago, I took advantage of a balance transfer offer that they gave me and transferred a $ XXXX balance to that card ( which previously had a {$0.00} balance ). A month later, I used that same card to take a vacation with my son. This particular specialty card provides XXXX XXXX discounts when used at the vacation destination that we were at. So it made sense for me to use that card in this instance as well. 

For the last couple of months, I have made payments of {$1000.00} or more each month expecting that those payments would be applied to the highest interest balance on the account ( what I charged on vacation ) as is required ( from my understanding ) by law rather than them being applied to the XXXX XXXX balance transfer balance. I noticed today however, that of the {$1300.00} I paid last month, {$890.00} of those payments were applied to the XXXX XXXX balance transfer and only {$400.00} was applied to the roughly {$6000.00} 19.49 % interest rate balance. 

I contacted Chase several times because the answers I was provided on a couple of the calls didn't add up to " math '' and what was on my statements. I finally spoke to an escalations person who informed me that " normally '' they would apply payments to the highest interest-bearing balance on the card but since I took advantage of a balance transfer, in the fine print of that offer, allowed them to only apply my monthly minimum payment to the higher interest balance and any overages I pay would go to the XXXX XXXX balance transfer. She also informed me that there was no way they had to allow the consumer to call or through their website to make any payments and designate which balance to apply that to. 

So basically, I will be unable to pay off the higher interest balance until I pay off the XXXX XXXX balance transfer. This allows them to continue to charge the 19.49 % interest on the other part of my balance. Which pretty much makes the balance transfer savings pointless. While I'm not sure if this is legal or not, if it is, it shouldn't be. Nowhere evident in the balance transfer process was I informed of this process or change to the standard payment application process on the card. There have been tons of laws requiring " truth in lending '' to consumers through credit card statements and loan applications so I can't imagine that this isn't borderline illegal. I am happy to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XXXX XXXX a per to per transaction made from navy federal to XXXX account XXXX XXXX funds or merchant was never received and XXXX stated the account is now closed and funds are unrecoverable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting 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:
We're required by FCRA 605B to delete any incorrect accounts from my credit report. Can you please examine the paperwork? Certain accounts listed are inaccurate in their reporting.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> Theses companies pulled my credti report without written authorization and I need to report tham and get this off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One continues reporting a late payment, depite me asking them to provide proof of sdaid late payment. I have disputed this with Capital one and XXXX and XXXX has simply updated my consumer report and " updated '' the account meanwhile this derrogative and innacurate information continues blemishing my reputation. In accordance with 15 U.S.C. 1681 ( b ) of the FCRA, I have not provided written permission for Capital One to furnish inaccurate information about my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX - Date of inquiry : 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 2024-03-21 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: FL

Complaint narrative:
XXXX, Equifax, XXXX Last XXXX XXXX RE : XXXX XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my bit repor You are reporting a late payment on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> on the account ( XXXX ) .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the Reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the paperwork? Some of the specified accounts are incorrect concerning their reporting.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NC

Complaint narrative:
I checked my Chime app yesterday to see how much money was on my XXXX XXXX  account for me to spend, {$69.00}. I get to the store and my card was declined. I looked at my app again and my XXXX XXXX wasnt even up there, I called chime and they said XXXX account was closed and to wait XXXX  days for a check. I didnt close the account and it is funded at my discretion with my own money. Now I have no money. I talked to XXXX supervisors and they were no help! Ive researched that this has happened to multiple people and tgey NEVER received a check! I want my money put into my checking account. The first of the month I will no longer bank with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the paperwork? Some of the specified accounts are incorrect concerning their reporting.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: MS

Complaint narrative:
I sent dispute notices to all credit bureaus as well as XXXX to launch an investigation. I am not the only consumer having issues with XXXX. They are not trying to resolve any issues. I was recently discharged from XXXX XXXX bankruptcy and my overall student debt was at {$45000.00}. Since I am a public servant, I applied for student loan forgiveness and my loans were consolidated. XXXX was the servicer. Not one time did I receive notice in XX/XX/XXXX that I had a balance with XXXX and that {$7000.00} was a private educational loan. They didn't attempt to call or anything. Before initially filing for bankruptcy when I was making payments with XXXX, not one time was there a break down on statements indicating a public and private loan. Nevertheless they were provided with updated mailing addresses and telephone numbers as I went through a divorce. The only reason why I learned of the private loan was because I applied for a credit card to rebuild my credit and was denied because XXXX reported to all credit bureaus delinquency dating back to XX/XX/XXXX. I immediately contacted XXXX and got the run around. Finally XX/XX/XXXX I spoke with a XXXX representative, filed a dispute with them to investigate the matter and at that time I spoke with a supervisor who told me it was my responsibility to update demographic information and I stated my information was updated back in XXXX before filing bankruptcy. I was then afforded an opportunity to enter a payment plan to where they can debit my account to take out monthly payments. They also told me that if I make 3 consecutive monthly payments, they will remove the late payments they reported to the credit bureaus and I have done just that. My first payment came out XX/XX/XXXX and I have been current since the agreement. XXXX has not followed through with the agreement. They took the late payment off from XXXX, XXXX, XXXX, XXXX, XXXX, but put the late payments at the back end of the year for XXXX ( 30 days late ) and XXXX ( 60 days late ), but XX/XX/XXXX currently paid. So they didn't remove it just moved it back to the year end of XXXX. How can that be possible if my first agreed upon payment wasn't scheduled until XX/XX/XXXX. This has really ruined my credit. I am in the process of trying to get pre-approved for a mortgage and I can not move forward until they remove the late payments as agreed. I have written them letters and have called and they are unfairly treating consumers. Can someone please help me get this issue resolved with the late payments being removed as agreed because at this point XXXX is practicing bullying techniques.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The amount of Debt listed on all three ( XXXX, XXXX and Transunion ) Credit Bureaus are inaccurate. They are all report 3 different amounts of debt. And I don't owe any debt. I've filed a dispute with all three of the credit units and nothing is ever resolved.

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