vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They have me listed in the computer as deceased as of XX/XX/2020 2020

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 2022-04-06 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: NC

Complaint narrative:
On XX/XX/XXXX, I was notified by email from Chase that they believed there was fraud on my credit card. 
I reviewed the charges and confirmed that there were XXXX fraudulent charges. I reached out to Chase and flagged the following 3 charges : VENDOR AMOUNT DATE XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX XXXX {$9900.00} XX/XX/XXXX Up until this day I had never heard of this company, have never contacted this company, they have never done any work at my home, and I have never agreed to pay for work they have done at another home. 

On XX/XX/XXXX, I received a message from Chase that the Transaction of {$9900.00} was found to be a valid charge. The charge was than added back to my credit card. I reached out to Chase to discuss the charge and ask why they believe it to be a valid charge. They informed me that that had a signed invoice from the vendor. I asked that they send me a copy of the invoice so I could review. 

On XX/XX/XXXX, I received the documents from Chase. The documents had my name and address, but the email address was not an email that I have ever had nor is it attached to the account. 

On XX/XX/XXXX, I contacted Chase to inform them that I had received the documents and that the signature was not mine. I emailed them a photo of my drivers license so they could verify that the signature was not mine. They agreed to re-open the fraud claim. 

On XX/XX/XXXX, I received a letter from Chase that they found the charge to be valid again. 

On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX NC XXXX XXXX XXXX. The Case # is XXXX. 

On XX/XX/XXXX, the detective XXXX XXXX XXXX XXXX, XXXX. ( INV, INV ) ( XXXX ) ) contacted Chase and informed them that she is working with the vendor and that the charge in question had been found to be fraud. Per Chase recommendation she also emailed that information to them. 

On XX/XX/XXXX, I submitted the police report to Chase and asked them to re-open the fraud investigation based on that police report and the email from the detective. 

On XX/XX/XXXX, I received a letter from Chase stating that they again found the charges to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IL

Complaint narrative:
Please see attached file.

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 2022-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Three of my credit reports ( XXXX, Experian and XXXX ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX Bank XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX Bank with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX Bank where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. 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 explanation
Consumer complaint received 2022-04-06 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank knowingly and willfully misapplied a payment I made to my credit card account. They applied the payment to a balance with a lower interest rate first before applying the payment to a balance with a higher interest rate. This is in complete violation of The Truth in Lending Act. When I asked that they correct their error, they denied my request. 

Here are the details : Per my XXXX statement, ( Exhibit A ), the account balance was divided between two balance transfer offers. One offer was for 0 % that expired XX/XX/XXXX and then went to the standard rate ( over 19 % ). The other balance was at 1.99 % until paid in full. 

On XX/XX/XXXX, the day AFTER the 0 % balance expired, I made a payment of {$4400.00} as shown on my XXXX statement ( Exhibit B ). Earlier in the billing cycle, I had already made the minimum payment of {$81.00} on XX/XX/XXXX as also shown. 

In XXXX, the Credit Card Accountability Responsibility and Disclosure Act amended the Truth in Lending Act as follows : Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

However, Citibank violated this act by applying my XX/XX/XXXX payment first to the balance with the 1.99 % interest rate ( which essentially zeroed that balance out ) before applying the payment to the balance with the 19 % interest rate. I found this out when I called Citibank on XX/XX/XXXX and they said that my remaining balance {$860.00} was at the 19 % interest rate. I told the customer service representative that Citibank did not apply my payment per the law. The representative agreed and stated he would submit a request to apply my payment correctly. I called Citibank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see if this had been corrected. On XX/XX/XXXX, the representative said that Citibank had denied my request to have my payment applied per the law. 

Thus, I am filing this complaint as Citibank blatantly violated the law in order to illegally charge me a higher interest rate on my remaining balance.

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 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I went on XXXX XXXX and saw a new collection account for about XXXX. I called and they said there was an account opened with XXXX on XX/XX/22 which has gone to collection. Do did not open an account with XXXX of XX/XX/22. This a fraudulent charge. I have attached debt dispute file number with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: WI

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

i did not give anybody 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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
Noticed two unauthorized transactions in my XXXX XXXXhecking account from CashApp. Upon investigation I saw that CashApp had paid {$300.00} and {$250.00} within the space of a few hours on XX/XX/2022 to an individual named XXXX XXXX.I know no one by this name. I filed fraud complaint with CashApp. CashApp responded several days later stating that I had made the transaction or that I had authorized someone to make these transactions. This is absolutely untrue. CashApp made this determination without ever speaking to me. I do not know how the individual going by the name of XXXX XXXX was able to hack into my account but it was done without my knowledge or consent. I requested documentation regarding the basis for the.decision to deny claim but as of XX/XX/2022 no documentation from CashApp has been received. Police report has been filed regarding this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: WV

Complaint narrative:
Company in question : Radius Global Solutions ( radiusgs.com ) Debt : Medical debt from XXXX Amount : {$130.00} Details : On or about XX/XX/2022, a {$130.00} collection was posted to my credit reports from Radius Global Solutions. I had never been notified by Radius Global Solutions or the originator of the debt, XXXX, and was unaware there was an outstanding debt. 

On XX/XX/2022, I called Radius and sent their Disputes department an email attempting to pay the debt and remove the collection from my credit reports. I never heard back. 

On XX/XX/2022, I called Radius again and sent their Disputes department another email attempting to pay the debt and remove the collection from my credit reports. I still have not heard back from Radius.

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a Bank of America checking account ending XXXX, which is closed on XX/XX/2022, however on the same day when I close my account I have a {$430.00} deposit into that account. Now this deposit is still in my closing checking account. Please check the attached closing statement from BOA. I called BOA on XXXX and have been told I should receive the refund by check within 10 business days, but until now I don't see the refund by mail.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

Experian account # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX but on my report the number isnt provid e

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 2022-04-06 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: OH

Complaint narrative:
XXXX XXXX and Transunion need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data

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 2022-04-06 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: OH

Complaint narrative:
XXXX Equifax and XXXX need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS INC. AND TH

EIR IS NO THIRD PARTY INVOLVED. I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). AND PROVIDE ME WITH EXPERIAN INFORMATION SOLUTIONS INC . VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN INFORMATION SOLUTIONS INC. HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO S TATES 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 2022-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wife and I have been working for over 6 weeks with a local title company to obtain a paid in full letter or lien release for a loan we had with Truist Bank. Our Home Equity Line of Credit was originated by Suntrust Bank who merged with Truist Bank. Our HELOC was paid in full on XX/XX/21 and was never released/reconveyed by the Lender. My wife and I and the Title Company have made dozens of calls and sent numerous emails to Truist to resolve this issue. Truist has no record of our HELOC but has promised numerous times to mail out a paid in full letter. This has never been done. We are now about to be XXXX  as we have only a few days left to send over funds for a home purchase. Truist Bank has 75 days by law to provide the lien release and is in violation of the law. We need this issue to be resolved IMMEDIATLEY!!

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA claims that I had a payment hit on XX/XX/16, but it declined. I see they charged me a fee if {$29.00} the next day which ironically is the same day a deposit was made. A week later they claim there was a retry and thus I got another fee. This is such garbage. The day the fee hit I had a deposit big enough to cover it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: The CFM Group
State: NM

Complaint narrative:
The loan was sold without my knowledge, during COVID. The original loan was held by XXXX  XXXX XXXX and unknowing sold to DCR.. The Loan with XXXX was automictically debited from account. During COVID, the loan was abated for over 9 months, during this time the loan was sold. The new mortgage company DCR, never sent statements to this date.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
someone stole my identity and obtained this account I have notified the Experian and the others that this account is a result of identity theft and I would need a verification but evenso it would still be invalid because XXXX off is a result of identity theft and now is hindering me from getting a business loan and support my business to pay my XXXX XXXX and support myself, please look into this and reconsider and remove off my reports because this is keeping me in a bad financial hole.

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 2022-04-06 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation