vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I received an email supposedly from XXXX XXXX charging me {$400.00}. I have never purchased antivirus. 
XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ago ) to XXXX, XXXX : me Thank you for your order, Here is your details INVOICE ID Product Details XXXX XXXX XXXX XXXX XXXX Security Order Summary INVOICE NUMBER : XXXX Issue Date : XXXX XX/XX/2022 Finish Date : One year from Start Date Payment Mode : Auto debit from account Status : Completed Item Title Quantity Total XXXX XXXX XXXX XXXX Security ( XXXX ) XXXX {$400.00} USD Sub-total {$400.00} USD XXXX XXXX Total {$400.00} USD If you wish to not to continue subscription and ask for a REFUND then please feel free to call our Billing Department as soon as possible. 
You can Reach us on : XXXX ( XXXX ) ( XXXX ) XXXX - Sincerely, Billing Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX after making a payment to be applied to my mortgage I get these messages that state : On XX/XX/XXXX, $ XXXX was received for PNC mortgage ending in XXXX. Funds intended as a mortgage payment are applied when a full monthly payment is received. 

And it's my understanding the according to regulation the payment must be applied when received. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/10/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2022-08-11 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: DE

Complaint narrative:
To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX 7 XXXX XXXX XXXX BANK 8. XXXX 9. XXXX 10 XXXX XXXX XXXX 11.XXXX Sincerely, 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 2022-08-11 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: DE

Complaint narrative:
To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX  7 . XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
The complaint is about my credit card issued from Citi Bank. It is a Master card ending XXXX. There were 21 unauthorized purchases made on XX/XX/2022. All the purchases were from a vendor named : XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX. I reported to Citi Bank 's fraud department on the same day and a new credit card was issued. The bank replied that they will investigate the fraud and I am not responsible for it. Later on, however, these 21 unauthorized charges were posted to my new credit card account. I am also dissatisfied that no fraud alert/ immediate action to the credit card when the bank realized the suspicious activities. The detail of the 21 unauthorized purchases are as follow : 1. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 7. XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} 8. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 9. XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} 10. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 11. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 12. XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} 13. XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} 14. XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} 15. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 16. XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} 17. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 18. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 19. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 20. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 21. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}

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 monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom it May Concern : Since my initial complaint, XXXX, was closed, I have not received any more funds nor any communication from Capital One Bank XXXX I continue to call the fraud department, and I leave messages that receive no return on the status of the account ending in XXXX. 

I need the remaining funds from that closed account. If Capital One wants or needs to complete its investigation, why do they not end my involvement by giving my money to me? That's all the funds I have. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2022-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I called Equifax today and multiple days last week, when you call your prompted to put your personal identifying information in, after inputting my correct information, I was told my information does not match which gives me a even higher privacy concern with Equifax since they continues to have major breaches. Monday I called and spoke with a representative by the name of XXXX who told me she see Im a victim of fraud and need to add the credit lock for extra protection of my information when my personal information should be protected once they assumed this vital role. Im more concerned that If I dont pay the XXXX like XXXX kept stating my information would not be as protected. I told XXXX no and she still continued to try to coerce me into paying even went as far as stating why cant I buy it and dont I want my information protected, which scares me tremendously. 
A collection account was removed and my score did not increase but it decreased when it was added making no sense. I also called multiple times asking Equifax letting them know this account was not mine and to provide me with substantial proof that they exercise there grave responsibility to make sure this account from XXXX was correctly investigated before furnishing and they failed to do so and failed to remove it. I have no business with XXXX nor does they have a permissible purpose to furnish. Equifax has let another company infringe upon my rights after assuming this position you were to make sure my consumer report is equitable and fair to me according to the FCRA. Equifax data sharing policy states you guys house the consent forms the companies and can provide me the consumer with one upon request,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX Account Number : XXXX BaXXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. XXXX XXXX Account Number : XXXX Bal : {$480.00} 4. XXXX XXXX Account Number : XXXX Bal : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

XXXX XXXX Account Number : XXXX Bal : {$4500.00}

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 2022-08-11 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: DISCOVER BANK
State: NE

Complaint narrative:
I reached out to Discover customer service on XX/XX/XXXX to understand how my payments were applied considering I had multiple different interest rates via promotional opportunities. 

The agent replied : Minimum goes to the lowest apr ( 0 % ) and the rest of the payment applies to the highest apr. and if the highest apr is paid to {$0.00}, then the payment will go to the next highest apr ( promo 4.99 % that expires soonest, XX/XX/XXXX. 
However, this is not what occurred. On my statement ending on XX/XX/XXXX my balances were as shown below and my minimum payment amount was {$230.00}, due XX/XX/XXXX. 
{$240.00} at 15.49 % {$5200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$3100.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) By the agent 's reply, considering for my statement ending XX/XX/XXXX, and the fact that I made a payment total of {$2300.00}, I should have seen my 0 % balance decrease by {$230.00}, and then my remaining {$2000.00} would have paid the {$240.00} balance completely, and the remaining {$1800.00} would have paid down the 4.99 % APR balance for the promo expiring XX/XX/XXXX. 

On my statement ending XX/XX/XXXX my balances were shown as below and my minimum payment amount is {$210.00}, due XX/XX/XXXX. 
{$200.00} at 15.49 % {$4200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$2900.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) I reached out to Discover to have them explain and all they replied with is : " We usually apply your minimum payment to the balance with the lowest APR. Anything paid over the minimum typically applies to balance with the higher APR. When you have multiple promotional balances at the same rate, payments apply to the balance expiring first. '' I think Discover is not applying my payments correctly so they can collect additional interest. If the logic Discover gave me held true, my XX/XX/XXXX statement should have seen {$230.00} come off of my 0 % balance, and instead, the balance was only reduced {$220.00}. The my highest apr should have been paid completely, but it was only reduced by {$41.00}, and my remaining payment should have applied to the 4.99 % APR with the promo ending XX/XX/XXXX, and that balance was only reduced by {$1000.00}. My balances were only reduced by a total of {$1200.00} ( not including my balance on the other promo offer increased in the amount of {$17.00} ) but I made payments in the total of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MI

Complaint narrative:
After checking my credit report with XXXX, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. XXXX violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by XXXX but the problems were not corrected.

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 2022-08-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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 non-monetary relief
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America placed a 9 day hold on a cashiers check. 
Deposited on XX/XX/2022 and was told it will clear on XX/XX/2022. 
I have been making several deposits in my business account even for bigger amounts. 
I always have a hard time dealing with them due to their extended deposit hold practices. 
It is really frustrating when triying to run a business properly.

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 2022-08-11 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: TN

Complaint narrative:
The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report. 

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report immediately.

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 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I am filing a complaint against the TransUnion credit reporting agency. I had a negative payment status on my report from an XXXX XXXX credit card. I disputed this with XXXX XXXX and they updated the status. I then reported this to the three main credit reporting agencies. XXXX and XXXX updated without issue. TransUnion did not. I have filed XXXX online disputes regarding this matter with them, as well as mailing in documentation from XXXX XXXX showing the XX/XX/2021 was not 30 days late. They have refused to update this status, and every time they finish the results, because they wont remove it, the other credit agencies also add it back on to the their credit reports as well. This is beyond frustrating, and it seems TransUnion is either incompetant, negligent or just unable to correctly handle credit issue and disputes.

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2022 - XXXX with Alliant

Company response to consumer: Closed with explanation