vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently traded in my old car for a new one getting the difference from the dealership company to take home. After depositing my check online, it was on hold 11 days. And after the 11 days my account is restricted and cant access the funds because Chase cant verify the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2023-03-14 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was being harassed by neighbors at XXXX XXXX in Arizona ; for example, they would XXXX XXXX XXXX on me knowing it triggered serious fear. 

I began documenting and reporting the the abuse with photos. 

They said the photos violated my rental agreement and proceeded with an eviction. 

I was not allow to contest the eviction because I was removed from the courthouse by a XXXX XXXX Sheriffs Deputy. 

I was removed from my home and, it would appear, they proceeded to charge me the rent until it was occupied by another tenant. 

They are using the credit report system to enforce a breach of contract dispute. They should have filed a lawsuit stating I breached the contract. The eviction ruling is not a ruling on the contract. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had credit card cancelation dept with discover cridet card and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to XXXX, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has an debit on account of amount of XXXX and have taken a sum XXXX from accounts and sum of XXXX and XXXX out of two account before this not one of them customer service people can explain why these funds are being taken out of these accounts and further information this bank changed my debit card and sent the new to an old address which clearly change on the bank website

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 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi-bank ( Sears ) Statement issued XX/XX/XXXX Balance remaining {$160.00}, of which {$130.00} was a previous promo expiring XX/XX/XXXX. Payment due XX/XX/XXXX. Payment of full balance paid XX/XX/XXXX. So my promo balance was paid within the time alloted for no interest. 

Convenience check issued XX/XX/XXXX. {$4800.00} + {$240.00} ( 5 % fee ). 

Received new statment. Shows full amount of past balance as XXXX. 
Shows the convenience check XX/XX/XXXX {$4800.00} Shows fee 5 % of {$240.00} Shows interest charged {$2.00} to regular purchases. 

Applied payment, not to my past balance, but only {$32.00} was applied to past purchase balance, not applied to the interest charged and {$130.00} was applied to the convenience check just issued. This means the {$130.00} is now subject to $ XXXX % interest. 

I contacted them, explaining the payment made and wanted to know why they are charging me interest. They said they can apply the payment wherever they wanted and they would not change how my payment was applied. 

The only recourse I have is to make payment in full for full balance or continue to be charged interest on the {$130.00} and interest on the interest because they apply all payments to the convenience check before anything else. 

I am now requesting that you look into this and please get them to apply my payment correctly?

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 2023-03-14 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: MO

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. 

The following has has violated my rights : Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number 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 or 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 non-monetary relief
Consumer complaint received 2023-03-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX has 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 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 or 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 2023-03-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had credit card cancelation dept with XXXX XXXXXXXX XXXX and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to Transunion, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.

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 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Constant calls to my number with various phone numbers. Including XXXX. Repeatedly every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
The companies are not willing to talk with me regarding their actions to file a notice of Default in a old intrest only home loan in XXXX. They disconnected my call to the company regarding there notices of default. 

XX/XX/XXXX was first letter regarding notice of default on my property. They are saying amount owed is {$180000.00}. that is to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing this letter to give you notice that i AM OWED {$16.00} in rewards from American Express for purchases made on XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX from their merchant XXXX XXXX XXXX WA ( also known as XXXX Fresh located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX ). This location has been mis-categorizing purchases made on my XXXX XXXX XXXX American Express XXXX XXXX XXXX occasions. On XXXX XXXX, XXXX American Express credited {$11.00} for my purchases made XXXX XXXX and XXXX XXXX but don't be fooled because this covers only a small portion of the cashback rewards they promised. The merchant continues to not categorizing the purchases as XXXX XXXX. Because of this mis-categorization of 1 %, the promised reward of 6 % has been denied. 

This complaint is to ask for the 5 % differential monies of {$16.00} owed for my purchases listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I sent in final payment for my mortgage on XX/XX/XXXX. 

Your payment in the amount of {$15000.00} was received and applied to your loan on XX/XX/2022 for the following property : Loan # : XXXX XXXX XXXX XXXX XXXX It was misapplied, so they had to correct it. Even though I paid in full, they then said I owe {$180.00} to close it out, though it should have been only {$.00} per day that it was late. So I sent in payment for {$190.00} to just close it out and they returned my check because it wasn't certified or wired in. 

A few days later I received a letter that I owe for Insurance lapse from XX/XX/XXXX XX/XX/2022 in the amount of {$2800.00} for the two months lapse. My insurance for an entire year is around {$2700.00}. So now I owe this and despite basically not having a mortage at all or less than {$200.00} based on their error, I now over XXXX XXXXXXXX. I dispute this and try to resolve it and get hit with a late charge and another {$30.00} recording fee and they say I owe {$3100.00}, which I am sending out today as this has cause me a lot of grief and lost sleep over all these charges on a loan that should have been paid off on XX/XX/XXXX and I just don't see how I pay for insurance on a period that has already passed. 

I saw this article in your news room : https : 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 XXXX I believe that I have been a victim of over inflated 3rd party charges and hoping you can resolve this. It seems unfair to get hit with this charge after my loan should have been paid off and for a period that passed and at such an inflated rate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2023 at XXXXXXXX XXXX EDT, I called CC Customer Service to make a payment. Spoke with XXXX, no Agent ID is provided. I requested fund allocation in a specific way because there is no option to allocate the funds as needed on the CC website available. I specified and confirmed several times before the end of the call that my request is understood and will be completed as requested. I was assured that the payment will be allocated as I requested. The confirmation number is XXXX. Today, I checked the transaction and found out that the funds are not allocated as I requested. I paid {$500.00} toward two promotional charges that will expire on XX/XX/2023 : {$59.00} and {$440.00}. However, today I see that {$59.00} is zeroed out as I requested but {$440.00} is not, and accrues interest for each day the charge is not paid. The funds went toward regular, non-promotional charges, which I did not ask to do so. My due date is the 21st of each month and I specifically asked not to apply payment toward monthly payment because I will make another payment prior to the due date. The agent assured me that the funds will be allocated as I am requesting 100 %.

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 2023-03-14 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2023-03-14 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: PA

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. 

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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I had an existing account with XXXX XXXX XXXXXXXX and at the time i was doing XXXX XXXX through a site called XXXX. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But XXXX XXXX  XXXX closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Calls made last month to a customer agent XXXX. Three calls made this month to other agents. One in person to a branch in XXXX XXXX. Subject : Disputing a late fee of XXXX XXXX dollars when expected time of refunds were not posted to the account to balance off the payment due on the XXXX. Calling the bank last month for the same issue informed me that before I can dispute a late from posting it needs to be posted before I can dispute the late fee for refunds of returned products. Since the products were not refunded on time when payment was due to the credit card company caused uninformed lock out from my account and charged the late fee to their advantage. They did not inform me of withholding the fee and out of discretion held refunds against my account to charge a late fee. In question to reverse the late fee I spoke with a supervisor that will not remove the late fee and had explained the circumstances of returns being refunded late and will post by the end of this week. He told me only one reversed late fee applies to the account once a year, so why was I not informed by the last representative advising me that I would only need to call in if returns were not posted on time and when the late fee was charged, why she did not explain that one reversed late fee was already used .Calling in today was informed that they closed up the account without my knowledge. This is disrespectful, and have displayed arrogance and rudeness towards my family and I in the past as an account holder for the past twelve years.

Company response to consumer: Closed with explanation