vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I initiated a balance transfer in the amount of {$5800.00} from a Chase XXXX  credit card and {$3200.00} from a Chase XXXX XXXX XXXX card to a XXXX XXXX  credit card. 

The balance transfer posted to my XXXX XXXX credit card on XX/XX/XXXX. A corresponding credit to the Chase XXXX  credit card and the XXXX XXXX XXXX card did not post that day. 

On XX/XX/XXXX I contacted Chase to inquire about the status of the balance transfer. I was informed that balance transfer credits take between four and five business days to post and that the XXXX is not counted in this waiting period. Thus, I will be charged interest on the already transferred balance through at least XX/XX/XXXX and possibly through to the XXXX. 

There is no possible way that it really takes four to five business days for this to post. This is predatory and an excuse for Chase to charge interest as well as make use of the funds sent by XXXX before they post to my Chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Everything thats in this letter please remove it doesnt belong too me please delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Everything thats in this letter please remove it doesnt belong too me please delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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:
In accordance with the fair credit reporting act 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 ; 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. It is a fact that I extended my social security card to Navy Federal Credit Union : which is ; Pursuant to 15 USC 1602 ( l ) any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Furthermore, a finance charge was involved. Congress told me that a finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is.

1. I should not have been receiving bills through interstate commerce, 2. This credit card should not have been closed, by these people. 3. This is classified as Unauthorized use under federal law. Furthermore, 4. I should not have been denied credit twice, which constitutes discrimination. Lastly, they should not have furnished this experience that we have with each other on my consumer report without my permission per federal law. This constitutes fraud and Identity theft under federal law and I have XXXX the XXXX off, this XXXX!!!!!! and wrong!!! 

Although I have sent them a cease and desist letter, They are still contacting me and reporting on my consumer report. In addition, I requested verification of this account and they have failed to do so. This company has damaged my reputation, my health, and my mode of living. Navy Federal Credit Union is in violation of the detailed subchapters of TITLE 15 USC CHAPTER 41.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened a checking account on XX/XX/21 with a welcome promotion of needing " make recurring qualifying direct deposits totaling at least {$5000.00} per month for 3 consecutive calender months from the second full calender month after account opening '' i completed amount {$5000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$5000.00} on XX/XX/21. 

the requirements were met. i have called and spoke to their customer reps twice. the time to review has passed and have not been credited the {$450.00} welcome offer. 

i was given a case # XXXX from XXXX reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a fraudulent bank cashiers check from XXXX XXXX last week totaling {$3800.00}, for the sale of my bull. I wasn't initially suspicious about it but then came the red flags. The individual sent extra {$2100.00} was for the cost of the bull and the rest was for shipping. I was advised to pay a different individual with a wire transfer which I did ( red flag # XXXX ). So I wired {$1700.00} to and individual in New Mexico ( the alleged cattle transporter ). The person who I was in contact with wanted me to take a screenshot and show proof that I sent the money which I did. ( red flag # XXXX ) Then the next day, the individual asked me if I already deposited and received the cleared funds in my bank which I told him I did. So then on Saturday ( XXXX ) this guy contacted me saying his father was mugged and beaten up and was going to XXXX  if I did not return his money to him ( red flag # XXXX ) So this guy called me this morning demanding I send him the money and that he as not a scammer and requested I send him the money to another person at a different address. So I just got off the phone with XXXX and they ultimately confirmed the check was fraudulent and they had no record of it. I am waiting right now to speak with Wells Fargo fraud department. I have spent some of the funds already. It seems to me that Wells Fargo should be held liable her before depositing the check into my checking account and verifying it with 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 2022-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have an Agricultural Line Of Credit with PNC Bank that was opened on XXXX. The Line Of Credit renews on an annual basis. At the time of commencement of the loan, the Disbursement Request and Authorization form stated that the annual renewal fee was to be {$100.00} ( Figure A ). The annual renewal is conditioned upon payment of the annual fee ( Paid for by Cash ). PNC is currently in the process of phasing out its Agricultural lending business. When I was made aware of this, I decided to refinance with a local bank close to our Farm. I received a payoff letter for the PNC loan on XX/XX/XXXX in which they disclosed that we owed annual fees of {$870.00} for 5 unknown years for each year ( Figure B ). The payoff letter does not designate which years the {$870.00} is associated with. We called PNC on several occasions and discussed the annual fees charges with the Loan Officer, Local Branch Manager and the PNC complaint department. Our first question was to ask when the change was made to the annual fee from the original agreement of {$100.00} to {$870.00}. PNC has not been able to provide any documentation that we were ever notified of the change, and more importantly, that we agreed in writing to the annual fee change. PNC effectively unilaterally modified the agreement without notice to us. The only document PNC has provided is a copy of a Renewal Letter dated XXXX that states : " This renewal is conditioned upon your payment of the annual fee of {$870.00} ''. I worked closely with the 3 or 4 PNC Loan Officers that were assigned to our account, over 9 years, and the annual renewal of the Line Of Credit was renewed each year, without a cash payment for the annual renewal fee, except XXXX and XXXX, see below. Going forward each year after renewal, we continued using the Line Of Credit. The only communication I received from the current loan officer, at the time, was that the Line Of Credit was renewed and we could keep drawing the funds finance our cattle inventory. 
My records show that we paid {$250.00} on XXXX and {$300.00} on XXXX, for annual fees. I also have an email from one of my Loan Officers dated XXXX stating he was looking into reducing the annual fee from {$300.00} ( Figure C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I acquired an FHA mortgage in XX/XX/XXXX for the purchase of my first home. It was arpprox {$130000.00} The mortgage has since changed hands twice. My current servicer, Freedom Mortgage, refinanced it at a better rate, but added a nearly {$11000.00} balloon payment to the back end, so I now owe {$140000.00} -- - more than {$10000.00} of my original mortgage in XXXX! I did not take any money out for the refinance. I had fallen behind in payments, but also paid most of that back during XXXX when XXXX XXXX had my loan, just before Freedom Mortgage took over. This seems very wrong, I don't understand. Please review the transfer from XXXX to Freedom and the refinance to make certain all amounts are correct. Also, please explain the balloon payment that has been tacked on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments and update to pay as agreed. My payment status on all 3 bureaus are totally different. Everybody should have the same thing reporting. I was never late on this account. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accuracy. Please update to pay as agreed. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am disputing some inaccurate information that reporting and harming my credit negatively. 
This company ( LAW OFFICES MBA ) has put a medical debt into collections against me illegally. 
Under 15U.S.C. 1681 sections 602A states : A. I have the right to privacy.

Under U.S.C. 1681 section 604A. section 2 states : A consumer reporting agency can not furnish an account without my written instructions. All these accounts and information these agencies is reporting is innaccurate and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: OH

Complaint narrative:
This is the Fifth time since XXXX that I have requested that Sentry Recovery & CollectionXXXX XXXX XXXX XXXX XXXX # XXXX remove inaccurate accounts on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXr Date : XX/XX/XXXX XXXX XXXX XXXX  Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
This was paid for by XXXX. I received a phone call from the city of XXXX saying they would remove it from my credit. It is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Today I used my citi double cash mastercard at XXXXXXXX gas station. The terminal offered to use XXXX points to save {$0.00} per gallon. I did the math wrong in my head, and opted in. I only saved {$7.00} since I got 14 gallons of gas. But the cash redemption value is {$12.00} at XXXX XXXX  per point. This will never be a good deal XXXX XXXX  stole {$5.00} from me. I called citi to complain but they said they cant undo it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief