vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had two XXXX XXXX  promotional balances on my credit card account. One ending in XX/XX/XXXX and one ending in XX/XX/XXXX. I needed to make a couple of large purchases ( totaling about {$12000.00} ) on this card, which would have been at the standard APR ( 25.24 % ). 

My understanding is that credit card companies are required to apply payments to the highest APR balances, so I made the purchases and then waited a few days for the transactions to post to my account. I then submitted a payment that covered my monthly minimum payment requirement AND the new charges so as to avoid paying interest on the new charges. 

When I received my next statement, the payment I made was applied to my XXXX XXXX promotional balances and I was charged interest on the new purchases. I am now told I will be charged interest every month at XXXX XXXX APR on the purchases unless I make another {$12000.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: MO

Complaint narrative:
I was unaware that this debt even existed. It's through Paramount recovery and I had insurance at the time. I've spoken to my insurance and they said they were never billed for this debt. So I called Paramount recovery and they stated that once it's in collections insurance won't cover the debt. I'm very upset because I had insurance to pay this and I was never contacted about it now they say I'm liable and it just isn't fair or right that I have too. It's counting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: IN

Complaint narrative:
I paid my XXXX truck payment on XXXX XXXX I paid my XX/XX/2023 truck loan payment early on XX/XX/2023, I paid my XXXX payment early on my truck loan with XXXXXXXX XXXX. I paid my XXXX payment on XX/XX/XXXX. 
XXXX is showing my payments as on time and no payments missed or late ever. I have had this loan for 2 years and have never been late or missed a payment. My payments are due the XXXX of the month. 
So, I paid my all my payments on time. 
I noticed a decrease in my credit score. It went down about XXXX points, from about XXXX and disputed it with both TransUnion and XXXX. XXXX still shows me at a credit score over XXXX The dispute response states they " assume my balance increased due to a possible missed a payment. '' My balance shows as going up from my prior double payment in XXXX. The balance goes down but they add interest. It just never shows up to the credit reporting agencies because of interest on the loan is buried in the balance due. 
I dispute their determination and have been severely penalized by their faulty rating system. All I did was make a payment one day early and their system decided inaccurately that I missed a payment. Their logic is faulty. My payment history is excellent on all my loans and bills. 
It seems unfair and unethical to drop my score by a very large amount without just cause. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Increased XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX automotive account balance increased by {$160.00} " It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. ''

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I wrote a check on XX/XX/XXXX in the amount of XXXX XXXX ( {$2000.00} ) dollars. I was helping someone pay their relative for a car. The debt was settled another way, and my check was never cashed but, unbeknownst to me, the person apparently held onto it. This person and I no longer speak, but just a few days ago the check was submitted via a mobile banking app deposit and my account was hit with the check that was dated over two years ago. The bank that accepted the mobile deposit even told me when I asked about this in person today ( XX/XX/XXXX ) that it should not have cleared because it had been more than six months since the check was written. However, once they found out I was not a customer at their bank, they told me there was nothing they could do, and refused to help me or look into it. Because they cleared this check that was over two years old, my entire checking account and most of my savings account was wiped out without warning. I have a digital copy of the dated check, and a copy of the back of the check showing a deposit date of just a few days ago. This should not have even passed through the bank due to how old it was and now I am out XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion is still falsely reporting mariner finance on my report. they tell me there are XXXX accounts with that name but i see multiple, more than XXXX. plus they changed the investigation date without telling me. i keep providing all of these documents but they still report the accounts. this is against the fcra

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 2023-08-22 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: IN

Complaint narrative:
A XXXX Mortgage contacted me because it was a hard inquiry I didn't do or a mortgage application I didn't approved to be done on my name.

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 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
In XXXX and needed a XXXX so I went to XXXX XXXX of XXXX Illinois and had a deal on a XXXX XXXX XXXX all contacts were signed and was told once I drive it off the lot is no longer there problem a quote from the person in finance. Now we have a problem now they want more info and now they want a CO applicant when one was never needed before. I believe I'm an being discriminated against for being XXXX. I was always under the assumption that once the contract is signed the deal is over now they are telling me different. I can afford the payments on this XXXX I don't know what the problem is. It's my belief they misrepresented themselves from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in accurate.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a charge off with Kohls/Cap One showing up on my credit report but when i call them they can't find my account. I also have a collection for Kohls on my report and when i have called to find out about it they tell me that it's past the statute of limitations and they can no longer collect. I can't seem to get this account removed off my credit report or at the very least paid. Can someone please help me to get this removed. I have tried to get this resolved but had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
The issue is regarding Venmo. Venmo suspended my account for the reason of " suspicious activity '' on XX/XX/2023. Venmo will not help you on the phone in regards to a suspended or frozen account. They only use email for these matters. My behavior on Venmo has not changed and is not against any policy from what I've read. I have always purchased Crypto in my Venmo account for well over a year. Venmo does not respond or help in anyway nor have they given any specific reasons as to what the suspicious activity was according to them. All the money in my Venmo account is mine and it is over {$5100.00}. Venmo did respond to my first email on XX/XX/XXXX. The email stated youqr account will require further review and we will get back in touch with you. Venmo has since NOT responded to several follow up emails. Venmo is holding and not letting me get or have access to my {$5100.00} and is causing severe financial and emotional hardship. These type of practices in the financial industry should be outlawed and the consumer should not be put in these situations when it comes to a money transfer company. Holding funds without cause, consumer can't do anything for 180 days because of a bogus " user agreement ''. They are the type of predatory practices where the companies doing this sort of thing should be brought to justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I demand all negative items to be removed not accurate. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system Equifax removed my XXXX XXXX  I demand XXXX XXXX to also remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
In XXXX I took a HELOC with a bank for {$490000.00} in XXXX i defaulted on this loan as per advice from an attorney in order to receive lower payments. In XXXX they put a sale date on my home. I filed a XXXX XXXX XXXX and agreed to pay {$690000.00} over 5 years, 12 months into my payments I was told by the bankruptcy trustee that she will be dismissing the case, because the amount is now higher, I was stunned at how the amount could suddenly be higher after a judge approved my bankruptcy payment plan, at this point in time I try to obtain a payoff from loan care to pay in full, They gave me a payoff letter stating my amount was now {$720000.00} I was shocked that the amount has yet again gone up, but I decided to wire them the money and close the whole situation for good, I wire them the amount in full on XX/XX/XXXX and now today XX/XX/XXXX loan care reaches out to my attorney and says that the amount has gone up again!! This is a scam and they are trying to take my house. We need help please

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
Called us bank 2x today XX/XX/22 about overdrawn account due to the bank reversing provisional credit from XXXX XXXX XXXX. The last time I called Into customer service before today I called in and requested the rep to resend me the dispute paperwork because I did not receive and it was within the 10 day window of my provisional credit. The person reviewed and said the bank did not need to resend the dispute paperwork to investigate the dispute because XXXX XXXX XXXX did not dispute and now today it is overdrawn. Please do one of three things : listen to the call prior to today and you will hear me requesting the paperwork and the rep saying it was not necessary ... reverse provisional credit and resend the paperwork or close account and I will go elsewhere

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 2023-08-22 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-22 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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation