vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: PNC Bank N.A.
State: PA

Complaint narrative:
As of my XX/XX/XXXX statement, I was carrying the following balances listed in the " your finance charges '' section of my bill : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00} Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$1400.00} That month I made a payment of {$7000.00} on XX/XX/XXXX so that I could open up more credit, because I did another transfer taking advantage of the offer I still had for 0 % until XX/XX/XXXX. I did the transfer for {$5800.00} on XX/XX/XXXX during the same billing period as the {$7000.00} payment. 

Instead of applying the payment to the previous purchases balance I was carrying, PNC applied the payment to the balance I had just transferred 2 weeks prior leaving me with the following balances listed on the XX/XX/XXXX statement : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, so no portion of my payment was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$770.00}, so {$620.00} was applied to this balance Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) XXXX. This is the promotion I had just done during this billing period for {$5800.00}, so {$2900.00} was applied to this balance. 

I made a payment of {$190.00} on XX/XX/XXXX, thinking that my balance was under a promotional period and that I had time to continue trying to pay this down at 0 %. 

Then on my XX/XX/XXXX statement, my new balances were : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, still no portion of any payments was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$320.00}. This is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$2600.00} was applied to this balance. 

Then finally in XXXX, my balances were : Purchases {$7000.00} meaning {$21.00} was finally applied to this balance after the promo period ended and I was now charged {$100.00} in interest charges. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$190.00}. Again, this is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$130.00} was applied to this balance. 

So I was charged {$290.00} balance transfer fee in XXXX only to have all my payments be applied to that transfer as well as a lower balance transfer ending more than 12 months after the purchase promotion that was not having payments applied to it at all. I know this organization is here to try to protect us, and I have never been more confused or felt more taken advantage of by a credit card company since my first card 19 years ago. Please consider helping me and others, since am sure they are doing the same process to other accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT I HAVE AND DID NOT RECIEVE ANY GOODS OR ATTEMPT TO OBTAIN ANY GOODS FROM THIS COMPANY. 

THE ACCOUNT WAS FNB OMAHA IT IS REPORTING ON MY CREDIT REPORT TWICE AS REPORTED LOS/STOLEN I HAVE NOT DID ANY BUSINESS WITH THIS INSTITUTION OPEN XX/XX/2022 BALANCE REPORTING {$5700.00}

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 2023-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid for a trip to XXXX with a company called XXXX XXXX XXXX. The company went out of business. As soon as I found out that the company went out of business I called capital one. They refunded my money but then took it back saying I was past the deadline. I paid for the trip well before the trip was going to happen. I contacted capital one as soon as I found out the business went under. I could not have known the business would go under. If I had known, I would've canceled the trip and received my refund from capital one in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2023-06-29 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: 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 Account 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 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 2023-06-29 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:
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 Account 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 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 2023-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XX/XX/XXXX contacted XXXX XXXX after a threat of lawsuit over " NSF XXXX. '' I advised the organization that the debt is from XXXX and exceeds the statute of limitations for legal remedy in Texas. The agent advised that the statute of limitations for " independent debt '' is 20 years. I advised the agent that if I am sued over this, I will counter sue and win. The agent advised that they would be closing out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2023-06-29 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: NY

Complaint narrative:
I was hit with XXXX that why I was late on my account with XXXX but you can see my records are clean I was never late on the 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 explanation
Consumer complaint received 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm begging you to update this acount and I never had a reposesion on my account. you ASAP action greatly appreciated.

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 2023-06-29 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( 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 2023-06-29 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We were scammed by who we thought was a XXXX customer support person when needing help with a XXXX transfer to us. The scammer got us to believe that we were increasing the amount to send/receive from XXXX to the default of {$2500.00}. He provided us with what he called a system generated code, which was in reality a phone number that made us make an unauthorized transfer of {$1600.00} from our account. 
Immediately we contacted our bank, Capital One, and told them what just happened while we were still on phone with scammer. We filed a fraud claim with Capital One. They restricted our accounts and we opened new accounts. After about XXXX weeks, we got a vague email from Capital One that claim was denied as they found no error. We called Capital One and requested an appeal and for claim to be reopened for a rebuttal and provided them with all information we had before. We are waiting for their investigation. 
The claim number with capital One is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: PA

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I joined CostcoXX/XX/XXXX 38 years ago. I have retired and have no further interest in Costco membership where I purchased business supplies. I cancelled membership XX/XX/XXXX and received confirmation. They us Cit Bank Visa. I received E mail that my Visa card ( Costco ) had a balance of {$60.00} which annual dues. I have never authrorized Citi Bank to put my dues on thei credit card. I can prove and have cancelled check where I paid Costco dues with my Company check and have always paid by check yer Cit Bank is doing automatic deduction of my dues ( never gave them permission ) to put dues on credit card now they want too charge me a late fee for due in Costco that I cancelled membership in. I have called Costco and Citi bank and they are no helping us. 
I am due a refund for paying double dues in XXXX and no balance or late charge in XXXX. 
It will take you to get this straight I tried and could not make either understand. 

I need check form them Company account closed XXXX Credit card cancelled. Please help.

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 2023-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to inquire about the lawsuit settlement that Wells Fargo agreed, I had a home mortgage with them starting in XXXX and due to financial difficulties, we had trouble paying our mortgage. Wells Fargo never offered a home modification loan and I only learned of a process or what a home modification loan was from another case that was in the newspaper. I then went to Wells Fargo to request the ability to complete a home modification. We did all the paperwork, sent it in only for Wells Fargo to have " lost '' it. We did it three times- with the third paperwork reaching them successfully only for them to deny us immediately after receiving our paperwork and offering no other options.

Prior to this I attempted to set up payments to be made to catch up the mortgage. They stated accepted the payment arrangements and when I asked if we were in danger of foreclosure, we were told no. Three days later someone came to our door and served us with foreclosure paperwork. 
My Spouse filed XXXX  XXXX to stop the foreclosure and allow us to attempt to rectify the situation and we started paying the mortgage again ; however, the large amount we had to pay out his check for the XXXX  XXXX was difficult to manage and he had to convert to XXXX  XXXX, so we could keep our house and other debt was taken care of in order to do so. But Wells Fargo started the foreclosure process again and we requested another home modification. Again denied. They had also told us that any day they would take possession of the home and everything in it as well and we would not be able to get in the home to get our items at that point. This was XXXX and we secured other residence just in case that happened as we had XXXX small children then. we went daily to the house, kept up the yard and paid the utilities. My spouse stayed there overnight. we went overnight somewhere and when we returned our home had been broken into and all the copper piping was stolen. I filed a claim to make the repairs however the check went to Wells Fargo and I had to fight them to get the repairs done. They eventually released the check, and the repairs were completed. I did seek out a lawyer, but Wells Fargo had gone way ahead on the foreclosure process. In the end they sold our house to auction, and the house was sold. To this day Wells Fargo never notified us of the sale of the house, or how much it sold for, I had learned about our house being sold on social media, because I knew the person who bought it. 
we have moved and if anything was mailed to us we would not receive it as they do not have our new address. It is way past the time frame for having mail forward. Could someone please verify if we would be a claimant on the lawsuit. I called Wells Fargo and the representative stated she knew nothing about the suit. 

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 2023-06-29 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: College Foundation, Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Edge Home Finance, LLC
State: NV

Complaint narrative:
We are trying to sale our home after a split. One deal initially fell through because a loan company did not verify employment until 2 days prior to the closing. House went back on the market, XX/XX/XXXX. We had an offer presented by another buyer within a day. We received title documents on XX/XX/XXXX. The closing date summarily after this was moved FIVE times. A week ago, I checked the name of the loan officer for seller out of curiosity. The loan officer is a woman from my now ex-husbands past. The contract closing date passed XX/XX/23. I believe whole heartedly the reason the loan was in such jeopardy was the loan officer 's vindictive, calculating and unethical goal to destroy our opportunity to sale our home. At the point of the contract being presented to her, the loan office should have recused herself citing the fact that there was a conflict of interest with one of the sellers because of past relationship to his family and children. Instead she proceeded KNOWINGLY in a sham of a loan attempt. This has caused unimaginable financial harm, mental and emotional harm and unnecessary stress. I tried to call the owner of the mortgage company today, XX/XX/23 and the owner hung up in my face when trying to recount the circumstance. This loan officer should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquires

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