vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
*See Attachments I am a Natural Person and Consumer, and writing you Chase Cardmember Service , Customer Service to DISPUTE and Put you on NOTICE of a BILLING ERROR. 

I received a Chase Freedom statement from you stating that I have a Minimum Payment DUE of {$2500.00}. It has a PAYMENT DUE DATE of XXXX and shows a NEW BALANCE of {$8900.00}. 

One BILLING ERROR being the {$2500.00} minimum payment you state is due for me to pay. The amount is showing a POSITIVE BALANCE, which is very DECEPTIVE and confusing. Please clearly explain HOW a Cash or Debit Card payment from ME, which is a positive amount, can be used as PAYMENT to pay down a POSITIVE BALANCE? Are you implying that A PAYMENT ( ALWAYS A POSITIVE AMOUNT ) will take the POSITIVE BALANCE to XXXX? ... .. ( see attachments ). 

Another BILLING ERROR 18 USC 8 states that ALL DEBTS, BILLS, CERTIFICATES OF INDEBTEDNESS, DRAFTS FOR MONEY ARE THE OBLIGATION OF THE UNITED STATES. According to this Federal Law, I XXXXXXXX XXXX XXXXXXXX, Natural Man, do not hold or owe ANY debt FOR ANY BILLS so please explain why you are sending me a form each month requesting I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Credit Card XXXX Customer Service and Management ) has been very confusing in regards to the billing processes. 

I am continually getting harassing emails and phone calls as it relates to payments being late. Wells Fargo can not clearly explain, what is reported to the credit reporting agencies? Late by the due date OR late according to the Billing cycle. Customer service can not answer nor clarify this question. And for bookkepping purposes is making my autopayments difficult to make due to confusion that Wells Fargo has created.

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 2023-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due. 

The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every two weeks. 

I paid the additional money, but none of the money I have ever paid has been applied to my loan balance, either principal or interest. BSI Financial is lying to collect money and has never reflected that my loan balance has decreased with these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
XXXX XXXX XXXX : # XXXX, XXXX XXXX account opened XX/XX/2018 have 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 an 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have wanted to open accounts with Wells Fargo which I had an account previously and all of the major banks XXXX XXXX XXXX XXXXXXXX ) and unable to open account due to fraud which was never committed. This information was reported to 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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have paid more toward late fees than the capital one balance. It's a rip off. It's a scam to keep me in debt. I missed the payment by 4 days and they want to charge {$40.00} on top of {$100.00} payment. Not to mention I've had the card for over ten years, I have paid it off more than twice and they have never raised my limit. After many times of me asking as my income has increased I have the same credit amount as when I got the card in college and I'm a XXXX XXXX XXXX human. These companies rip off the American people ; all they care about is money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Company continue to report false balance amounts, contracts, insurance payouts, previous identity records linking me to the account ( s ).

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 2023-08-13 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-13 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: IL

Complaint narrative:
Transunion, XXXX and XXXX has stated they received bankruptcy information from the creditor which is United States Bankruptcy Court, Northern District of Illinois. But I received a letter from them ( United States Bankruptcy Court, Northern District of Illinois ) stating they never gave them this information. I believe this is wrong and unlawful. If they receiving information from third and fourth parties how can I believe the information is true. I asked them to correct it around XXXX XXXX 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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have 2 credit cards with Capital One and I requested a credit line increase on each one and was denied both times for the same reason and the reason given is not accurate. The reason given both times was that " there is legal action pending against the applicant '' which is definitely not true. That reason is not even listed on the Capital One website about why credit increase requests are denied and after doing some research apparently no one at Capital One can tell anyone why or how this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
My 3rd submission was supposed for remaining fraudulent inquiries only, but that only applied to my XXXX and Equifax Credit Reports, as I see no removal whatsoever in my XXXX Credit Report, that I am a victim of identity theft and I write to the 3 Credit Bureaus to dispute the should be remaining inquiries in my file resulting from the crime. But the XXXX did not give attention to my Fraudulent Inquiry Removal Request. Again, the inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please remove these fraudulent inquiries, especially the inquiries still reporting in my XXXX credit report : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I pulled my credit report and still noticed that there are items that are not right. I saw this account on my credit report and it needs to be removed because it is inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to complete and accurate credit history ; this is unverifiable account information and it needs to be removed. 

I want my credit report to be accurate and by law accounts that are inaccurate, incomplete, or unverifiable must be removed. If this information can be verified, please have these companies respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE thats on file for the account above. Unverifiable accounts must be removed. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to TRANSACTIONS AND EXPERIENCES between the consumer and the person making the report. The accounts that have late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX  with late payments reported on XXXX XXXX XXXX XXXX XXXX 

XXXX  with late payment last reported on XX/XX/XXXX. 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ).

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 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MI

Complaint narrative:
The original creditor AT & T has since sent my information to another debt collection agency and they refuse to stop calling me and they are improperly using my credit report again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: AZ

Complaint narrative:
On XX/XX/2023 I went to XXXX XXXX for an XXXX  XXXX. I was immediately asked for payment before anything was submitted through insurance and presented with a " payment plan ''. I asked repeatedly if this payment plan was a credit card and if it would do an inquiry and report to credit. I was told 5 times it would not. However this is NOT the case. I was lied to by the hospital staff in an attempt to sell a credit card for their own kick back. I filed a complaint and the credit card was immediately canceled, I filed a dispute on the account as I never signed anything nor gave permission for credit reporting or an inquiry to take place. The card was removed from my credit report but the inquiry never was. I recently had to dispute the credit inquiry but the inquiry is denied. I am so distressed over predatory practices from this hospital staff. I specifically said I did not want a credit card nor any inquiries and here we are. I am disgusted and hurt. I will attach my dispute results from Equafax most recently who approved the card being removed but is denying the inquiry. I NEVER signed anything how is this legal????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: CA

Complaint narrative:
My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report synovis being one of them. I obtained a police report on XXXX and submitted it directly to synovis because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now synovis has sold this deb to XXXX  and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
My credit card ending in XXXX is a XXXX XXXX and the issuer bank is Citibank. I complained about a charge of XXXX dollars that was posted on XX/XX/2023, to a XXXX XXXX XXXX in XXXX, XXXX. The bank did an " investigation '' and determined that I was responsible for that amount. 
I believe I can not be made responsible for the following reason 1- The merchant does not exist. I never went to a restaurant by that name. 
2- In XXXX , it is illegal for a merchant to charge under a different name 3- I XXXX XXXX XXXX XXXX in XXXX and came out empty 4- I asked people and taxi drivers when I was in XXXX and no one know a restaurant by that name. 
5- In my credit card statement the merchant does not show any address or phone number 6- The bank failed to tell me who they paid, no address, no phone number. It seems to me that they paid a ghost merchant.

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 2023-08-13 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:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13 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:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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