vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I paid off my credit card balance online and selected the option to paid the balance in full on the XXXX of XXXX. Chase accepted the payment and processed on the XXXX of XXXX. On the XXXX of XXXX they charged interest in the amount of {$370.00}. 
How can they charge interest on a {$.00} balance? 
Charging interest and saying if was from a month prior is not right, fair, or being honest. That amount should have been included in the full balance when I selected the option on their website to payoff the full balance. 
They can explain all day long about how their system code works, but that doesn't mean that their system code is correct. 
As I see it, they should be charging interest on the day of the billing cycle ( which they claimed was from XX/XX/XXXX ). So, the interest should have already been included in the pay in full amount. Also, if they are going to provide an option to 'pay in full ', that option should include all interest and principle as of that day. 
Something is not right... I understand what they are saying about what their system code is doing, but again, charging interest on a {$.00} balance or balance prior to the payoff is wrong. They told me the billing cycle was based on the XXXX of the month, so the next interest wouldn't have been calculated on the XXXX. 
I called and talked to XXXX different supervisors and both told me that there is nothing they will do and that there is no one else to talk to about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
I had mailed in a cashiers check for my mortgage payment on XX/XX/year>. My bank isnt local so I had to request it over the phone. I was unaware that a number in the memo line was incorrect, the memo line whats supposed to have our loan number in it. When the mortgage company received the check they wouldnt apply it to our loan due to the incorrect loan number in the memo line. It supposedly was mailed back to us. We never received the check yet it was cashed. After months and months and of back and forth between us and the mortgage company, Planet Home Lending and our financial institution, XXXX XXXX XXXX XXXX, we got copies of the check that was stolen and others that had been paid to our mortgage. We saw the clear differences between them and knew that someone had stolen our money and it was most likely someone from the mortgage company who did it and never mailed the check. The check on the left is the check from XX/XX/year> with is the check that was stolen. The check on the right is the check we had to mail in for our XXXX payment with was a double payment PLUS late fees due to the stolen check. You can clearly see the differences. The stolen check was signed on the back and the check that was applied to our mortgage has a stamp. When our credit union looked up the info for the check that was stolen, none of the info matched with us a clear indication that it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts/Collections that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - 2022-XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect 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 2024-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Urgent Complaint : Failure to Reactivate Account - XXXX XXXX XXXX # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Citibank regarding their failure to reactivate my account despite numerous attempts on my part. My savings account holds {$18000.00}, and my checking account holds {$6000.00}. 

I submitted an authorized letter on XX/XX/year>2024, detailing my situation as per Citibank 's request. Since then, I've reached out daily for updates but received no response or progress. This lack of communication and action has caused significant financial hardship and distress. 

I urge you to investigate this matter promptly to ensure Citibank fulfills its obligations to its customers.

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 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XXXX by Goldman Sachs received an Incoming wire from XXXX XXXX XXXX, the financial facility utilized by my escrow company upon closing on the sale of my home. 

XXXX Upon confirming wire had been received by XXXX XXXX I attempted to transfer funds after which I received an email confirming the transfer was in process. 

XXXX When checking the status of the transfer, I noticed XXXX had done a " reversal '' of the transfer, and funds had been re-deposited into my initial account. 

XXXX immediately called XXXX asking why reversal was done on the transfer of funds. I was transferred to a supervisor. Told they were making sure no fraud, and this was to protect me. When I asked when these funds would be available or the timeframe needed, she could not give me a timeframe or information. 

XXXX I made another call asking when available and why still holding funds- The supervisor told me the problem was with XXXX XXXX XXXX XXXX XXXX receiving/external bank I was trying to transfer funds to. After talking in person to XXXX, there was nothing wrong with the receiving bank or my account. I asked for a manager to call me immediately. Was assured they'd call me within XXXX hours. I have never heard anything from anyone!!! 

( As of today XX/XX/24 ) It has been nearly XXXX weeks and funds are still not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
struggling to repay loans due to financial hardship ... in addition loans are more than 20yrs old ... original loan originated in XXXX ... originally with XXXX  but I was told that I had to get a new servicer which is NELNET XXXX they offer me a 1 year forbearance but continue to add interest charges... I believe I am entitled to relief under new government plan... 

XX/XX/XXXX {$15000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$84000.00} XX/XX/XXXX {$12000.00} all payments were made ontime until covid moratorium XXXX destroyed my credit when moratorium was lifted loan now owned by NELNET. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-04-15 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I Recently Reviewed My Credit Report And Noticed An Account That Was Not Reporting Accurately. I Had More Than To Late Payments On An Account That Was Paid On Time. The Consumer Reporting Agencies Need To Report All Information With Complete Accuracy. This Account Has No Been Late On Payments Ive Attached A Copy Of My Report To This Complaint On The Following Dates ( XXXX22 ) Im Now Requesting You Investigate And Provide Proof With Records Showing That I Had Late Payments. If This Information Cant Be Verified I Demand I Demand These Payments To Be Updated On Time Immediately. Thank U For Your Understanding And Proper Actor

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mortgage foreclosure sale date has been set for XXXX. I have a purchase agreement set up with a buyer which is attached as an exhibit. The buyer is a approved for financing and the deal is ready to go. The title company needs another week to set up the closing. PHH has refused to stop the XXXX foreclosure sale date to allow the extra time needed. CFPB rule 1024.41 ( c ) ( 2 ) ( iii ) clearly states that short term loss mitigation options need to be enforced in order to halt foreclosure action. PHH is complying with that specific rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-15 00:00:00
Product: Credit reporting 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:
I Recently Reviewed My Credit Report And Noticed An Account That Was Not Reporting Accurately. I Had More Than To Late Payments On An Account That Was Paid On Time. The Consumer Reporting Agencies Need To Report All Information With Complete Accuracy. This Account Has No Been Late On Payments Ive Attached A Copy Of My Report To This Complaint On The Following Dates ( XXXX ) Im Now Requesting You Investigate And Provide Proof With Records Showing That I Had Late Payments. If This Information Cant Be Verified I Demand I Demand These Payments To Be Updated On Time Immediately. Thank U For Your Understanding And Proper Actor

Company response to consumer: Closed with explanation