vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 Amazon.com incorrectly charged {$150.00} me for a XXXX membership renewal after I had filled out a form on amazon.com to contact me before renewing the membership. 

Also on XX/XX/2023, I called Amazon, and they understood and immediately credited my Chase Amazon Credit Card for {$150.00}. These two transactions occurred on the same day, as evidenced by my XXXX and XXXX credit card statements. 

Instead of entering the credit as a credit to the account during the month, Chase entered it as a payment for the credit card, instead of a charge reversal. 

Since I had a 12 month 0 % interest purchase on my account of {$55.00} per month, the way Chase 's creative accounting is done, my statement requested a minimum payment to avoid interest of {$200.00} or a minimum payment due of {$90.00} that would result in me being charged interest, as opposed to the usual {$55.00} payment it should have been. 

Either way, Chase found a way for me to incur interest by posting that charge reversal as a payment instead of charge reversal or credit during the statement period that should offset the erroneous charge by Amazon. Two hours elapsed between the time Amazon charged me and the time I had it corrected, yet I am on the hook for interest for a {$150.00} that didn't really occur. It is a deliberate, unethical attempt by Chase to maximize the possible interest charges, and an underhanded way to do so. 

This is unethical, and I have closed both credit cards accounts I had with Chase, damaging my credit scores due to the loss of extended credit. 

Since it is obviously unethical, I am assuming it is illegal as well, and I am filing a complaint about Chase 's accounting practices regarding credit cards purchases and credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In 2022 I was informed by midland credit that I owed a credit card debt of XXXX. I was never sent a bill although they informed me that a statement was sent to my address. I need more information than that because I had already been a victim of identity theft. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for this credit card which offers 5 % rewards on all purchases. In the first month I made a purchases totalling a little over {$500.00} which should have earned me {$25.00} in rewards. The balance was paid in full at the end of the statement period and I currently have no outstanding balance. 

However, Capital One put a restriction on my account and after several months I still have not received the {$25.00} in rewards they owe me. If they want to restrict the card to new purchases, that is their choice. However, that doe n't relieve them of their obligation to pay out on the rewards earned while the card was free to use. 

I contacted the issuer multiple times and spoke with multiple agents and they tell me the card is restricted for use but still open. However, they have not made the rewards I earned available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$43000.00} on XX/XX/2023 at XXXX XXXX via web X now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win so therefore I fear for my life that after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a supplemental tax bill that was overlooked when our house was purchased. In the year and a half since we bought this house the mortgage has transferred between three different companies. When it was first transferred to this current company last year, they made an inaccurate escrow analysis and tried to raise our mortgage by a ridiculous amount. After proving that it was calculated wrong the payment was lowered back down. 
Now that this supplemental tax bill that I thought was already taken care of by the first lender has been paid by the newest company they are again trying to raise the mortgage by {$800.00} a month. I called them on XX/XX/XXXX to point out that the supplemental tax bill is a ONE TIME charge whenever a house is sold. It is not a yearly charge and that it should not be included along with the county taxes in the new analysis. The representative did not seem to understand and informed me that he would request an escrow analysis since the numbers weren't adding up and that it should be done in 5 days or so. 
Two weeks go by and I have not heard anything back so I messaged them online. I was told in the chat that the escrow analysis was declined due to " no changes '' in our taxes. I was not informed about this decision in any way. The chat representative also did not seem to understand about the supplemental tax bill and that nothing will change unless I provide proof from my county of what the taxes for this year will be ( a document that the bank and I both already have ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On " XX/XX/2016 '' I purchased Identity Theft Protection. 

My member number is " XXXX '' and my order number is " XXXX '' Unwanted advertising and it was hard to turn off credit monitoring, as well as problems with canceling thr account.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I have had this account for approximately one year. I make my payments every month. I have even made two or three payments per month a few times. In XX/XX/2023, my payment was due XXXX XXXX, I paid it one day late on XXXX XXXX. They charged me a late fee and that's totally understandable. In XXXX, 2023, my payment was due XX/XX/XXXX, I paid XX/XX/XXXX, again, I was charged a late fee, and that's totally acceptable. The company reported to all three credit bureaus that I was 30 days late. Their actions negatively impacted my credit that I'm trying hard to repair. I reached out to the company via email and someone named " XXXX '' confirmed my payment dates but also maintains the 30 days late reporting is accurate. A one day late payment does NOT constitute a 30 day late reporting to the credit bureaus. I asked XXXX to give me the contact information for the CEO of the company. He said he would escalate my request to a supervisor in 3 to 5 days. They are a fairly new company. Their XXXX reviews are all one star rated with similar complaints to mine. They have many complaints on the XXXX XXXX XXXX site as well. Many people are unhappy with them. This is not an isolated incident. Under the Fair Credit Reporting Act, I have the right to have my information reported accurately. 

I have attached part of the conversation with XXXX, where he confirms my payment dates you can see that they are only one day late not 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Tans Union is reporting fraud accounts on my credit report. I previously sent Trans Union letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXXXXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already uploaded a FTC report to Trans Union.com Trans Union received my letters and were required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belonged to me, anyone can open an account online using my info! However, Trans Union has willfully failed to delete the disputed information as I requested in my dispute. Trans Union 's action or inaction is an intentional violation of the FCRA. Trans Union is also reporting inaccurate or fraudulent Names, addresses, phone numbers & employers. 
Thank You.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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

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 2023-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX Consumers Affairs Complaint : Credit Acceptance Corp. 
I purchased a XXXX XXXX XXXX, in XXXX it was financed through Credit Acceptance Corp. The tag price was XXXX I put a down payment of {$7500.00}. 
I paid {$530.00} totaling {$19000.00}. for three years. 
I made each payment on time and once I finished, they told me I owed another {$17000.00}, then explained that my final balance was {$30.00} for the full purchase price. I was told it was finance charges. Once I began asking the proper questions, they just kept saying it was because of interest and finance. I started to look through my transaction history and do a little investigating of my own. During my investigation, all payments were going to daily interest, none to the principal. 
Customer service stated, interest that had accrued over time. All my car payments were on time? Also, I asked, What vehicle goes from the tag price of {$19000.00} to over {$30000.00}. The attorney of record statement shows that they received file # XXXX on XX/XX/XXXX. 
As of XXXX, they started garnishing of my paychecks on XXXX. The judgment was for {$290.00} ; however, the Sheriffs Department in XXXX XXXX Louisiana is taking different amounts, therefore, I am enclosing documentation Speaking with them time after time, this matter was turned over to : Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Office # ( XXXX ( XXXX ) - XXXX Fax : XXXX Email : 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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Well I applied for thru some other people on some other hype so it jus went left it jus was not coo it was only {$250.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account -Nelnet- Account # 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 XXXX XXXX XXXX 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. 


15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation