vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: MI

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-04 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: NC

Complaint narrative:
I have pulled my report and notice there are multiple discrepencies that need to be addressed. By law my report should be 100 % accurate and there are multiple discrepencies on my credit report.. i will attatch a copy XXXX Acct # XXXX The open date is incorrect the close date is not correct the date of last activity is incorrect and the date of last activity is incorrect. 

XXXX XXXX Acct # XXXX The opened date is not correct, The date closed in incorrect, The last date of activity is incorrect, The date last verified is incorrect, The Balance is incorrect XXXX  Acct XXXX The date of last activity is incorrect, The open date is incorrect, Date of last payment incorrect Previous Address XXXX XXXX XXXX XXXX XXXX, OH 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX XXXX, I initiated a credit transfer from Capital One credit card to my XXXX XXXX  credit card in the amount of {$4300.00} That amount was charged to my XXXX XXXX XXXX, but had not been credited to my Capital One credit card. 

After a month of waiting for the payment to clear with Capital One, I called Capital One on XXXX XXXX XXXX to inquire why the payment from XXXX to Capital One had not been credited. I ended up on a XXXX way call between myself, and agent from Capital One, and an agent from XXXX XXXX. An investigation was opened by both parties, and the issue was resolved, with Capital One reducing my balance by {$4300.00} + interested charges that had been made in the previous statement. At this time, I had also sent a certified letter to Capital One disputing the incorrect statement that did not reflect the payment they received and cleared from XXXX XXXX. After the corrections had been made to my Capital One account, I was under the assumption that the matter was resolved and over. 

I then received a letter from Capital One dated XXXX XXXX XXXX that stated a credit was incorrectly applied to my account and and they fixed it by debiting {$4300.00} to my account. 

Today, XXXX XXXX XXXX I called Capital One to inquire how the the correction was reversed. They stated, in a recorded phone conversation, that I requested that {$4300.00} be refunded to XXXX XXXX. I at no time requested that verbally or in writing, so from my understanding, Capital One made an unauthorized and illegal balance transfer to XXXX XXXX. The agent that I spoke with confirmed that this was not a cancelled XXXX XXXX  check causing the charge, but a check that Capital One made to XXXX, dated XXXX XXXX XXXX, check number XXXX. Again, this was not a request that I made through any official channel, online, or verbally. I stated that the payment was unauthorized and that I would like to open an investigation into the payment, and that I dispute the payment made to XXXX. I was told that the request for that payment to XXXX came from XXXX, and that I XXXX not dispute it or open an investigation, and that I needed to contact XXXX. I was also told that they can not tell me who or what XXXX  is, connect me with them, or open an investigation regarding how XXXX  determined that Capital One needs to send a payment to XXXX. Essentially they said that the error that Capital One made is not their problem and I have no recourse with them to resolve it. 

The purpose of this complaint is to resolve the illegal and unauthorized balance transfer from Capital One to XXXX that was made without my consent or request, verbally or in writing. This was an error on Capital One 's side, and should not be my issue to solve with XXXX. I expect Capital One to resolve this as they made this illegal error. Failure to do so will lead to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase via XXXX has not paid out the remaining funds in the escrow account following a fire on XX/XX/XXXX. Chase still is retaining funds in the amount of {$5000.00} without payment of interest and delaying my payment to vendors. 

My mortgage was transferred to Chase from XXXX on XX/XX/XXXX. 

Chase via XXXX refused to schedule an inspection for the first XXXX weeks following my loan transfer. 

I called XXXX on XX/XX/XXXX was told that an inspector would be assigned and contact me in 5 days. I was not contacted in the XXXX business days after this call as promised. 

Then I was contacted by an inspector via text on XX/XX/XXXX at XXXX PM. I called back and left a message and then did not receive a subsequent call back. 

After waiting a substantial amount of time, I called on XX/XX/XXXX and cancelled the in person inspection in order to schedule a virtual inspection. Chase via XXXX only offered me a date for inspection on XX/XX/XXXX at XXXX PM. This was almost XXXX XXXX months after my loan was transferred. I can not rent the property until this inspection is complete. 

To summarize, Chase via XXXX unnecessarily escrowed my funds and refused to pay them out as agreed by making scheduling for inspection highly difficult. This action directly benefits Chase as they are able to accrue interest on escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TX

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 name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 an 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 2023-04-04 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: TX

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 name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 an 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 2023-04-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Fraudulent Inquiries/Incorrect Address To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. These inquiries are fraudulent. 
- XXXX # XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX 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 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 XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act.

In addition, there are several inaccurate addresses reporting to my credit report that should be deleted immediately and updated with my correct address : XXXX XXXX XXXX, XXXX, GA XXXXOnce you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I never recieved that I owed this debt and I paid this debt in full over 6 months ago. It was taken off one of my XXXX but has reappeared back on XXXX and XXXX and also says we owe them a balance again. I tried calling them to get this removed off my credit and they refused to help me. We even attempted to pay the debt again for help and they refuse to help 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank is now holding all checks i deposit for atleast 10 days even a {$2900.00} check. I currently have a check for {$5800.00} they are trying to hold until XX/XX/2026. I have called multiple times local and corporate I have been in office and no one will fix it. It is becoming a hassle to bank with them when they are literally holding every dollar i deposit they are currently holding {$8900.00} of my money for no reason

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 2023-04-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am writing to dispute the recurring finance charges being applied to my account as they are due to a violation of the Credit Card Accountability Responsibility and Disclosure Act of 2009. I have two types of balances : a Promotional Balance Transfer thru XX/XX/XXXX ( currently {$8700.00} ) with a 0 % interest rate. And a current balance of {$1100.00} as a Regular Purchase at a 12.25 % variable interest rate. I have been making payments higher than the minimum required amount, specifically in XX/XX/XXXX and XX/XX/XXXX. I understand per the USAA credit card agreement ( XX/XX/XXXX, page 6 : " How We Apply for Payments and Credits ) " Amounts in excess of the Minimum Payment Due are applied to the balance with the highest APR ''. USAA is not applying payments and credits made in excess of the minimum payment to the balance of the highest interest rate balance. Instead, they are paying off my 0 % Promotional Balance and allowing for the Regular Purchases balance to maintain and continue to charge me finance charges each month. 

I understand that it is important for me to pay off the balance transfer before the promotional period ends to avoid accruing interest. However, I also believe that it is unfair for me to be charged finance charges on the higher interest rate balance when I've been making payments in excess of the minimum amount due in order to pay off the higher interest rate balance. 

I've made several calls to USAA to rectify and resolve this issue. In XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Once, I was given a courtesy credit but they continue to charge me monthly finance charges. USAA representatives stated that finance charges will continue until the balance is paid in full. They identify " balance as the total balance which is both the Promotional Balance and Regular Purchases '' yet they keep applying all payments to the Promotional Balance, leaving the Regular Purchase Balance the same which allows for the monthly finance charges to continue. 

USAA should adjust my account to reflect the application of any amount in excess of the minimum payment from XX/XX/XXXX thru all future excess minimum payments to the highest interest rate ( Regular Purchase Balance ) both in accordance with the Credit Card Act of 2009 and their very own USAA Credit Card Agreement. 

Please note : I have stopped and will no longer use a USAA credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX. 

Account number : XXXX This account has violated my rights. 

15 U.S.C 1681 section 602 A : This states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : This also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ) section also states that 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a certified letter to Trans Union stating that it was 7 fraudulent/identity accounts on my credit report. I sent a police report, my identifying information along with a identity theft report. They said that everything was verified which couldn't be true because I never had any of those accounts. They completely disregarded the police report that was filed immediately after I discovered the information on 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My card expired. They said they sent a card. never received. we aren't the post office. They used to send emails giving the consumer a heads up. They don't now. When addressing the issue to the branch manager on XXXX XXXX in XXXX Florida he seemed more concerned about his accolades rather fixing the problem, kind of rude. Customer service was rude and didn't seem to open to listening to the complaint. They should send this signature certified. People being unable to get their debit cards and the bank failing to put policies in place to ensure it happens, signature certified, head sup they are coming, verification it was received after 10 days etc. - without these all leads to definite consumer harm and is an unfair practice. Bank of America should know better. 

Rude managers and customer service members who do not care are not the answer to potential consumer harm

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 2023-04-04 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: FL

Complaint narrative:
By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items immediately. 
XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXXXXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My account was paid and closed. Per a prior complaint I filed, they responded with some gobbledegook  about giving me {$2.00} to clear my account. Meanwhile, I received a statement from them indicating I owed them {$2.00} on my closed account. I think it is a way for them to start me accruing fees on this closed account. This, apparently, is their MO. Help, please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 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.

Complaint narrative:
XXXX XXXX XXXX  XXXX  ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXXACTIONS TAKEN BY COMPANY CHARGE OFF/ COLLECTION

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