vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
The Southwest Airlines Rapid Rewards Card administered by Chase is practicing very deceptive policies resulting in unexpected interest charges.

If you use your credit card to make any purchases after taking advantage of a balance transfer promotion into this account, ( generally a fairly typical 3-5 % fee up front to gain 12 - 15 months of 0 % interest, ) you then will pay very high interest based on the daily avg balance starting from the moment you make the purchase. There is no longer a 30 day billing cycle grace period. 

This is not stated prominently in the balance transfer offer. It's hidden very far down in the small print and I was totally unaware it would happen. 

More disturbing is that since the interest fees are based on the remaining purchase balance from the billing period prior to the current bill, it's impossible to tell what amount must be paid in any giving credit cycle to avoid interest. In XXXX consecutive months I called Chase to complain and request an exact amount I would need to pay to not have interest charges and each time I was told " you just have to pay all your current purchase charges '' Which is not accurate at all. None of the reps were able to tell me exactly what that dollar amount would be.

Although I paid thousands more than I purchased in the prior month I was still charged interest, " on the purchase amount that wasn't paid in full from the prior billing period '' The senior customer service rep I spoke with today admitted there is no way to tell what your unpaid purchase balance is on the bill, and therefore no indication of what payment you'd need to send to avoid all interest.

I have balance transfers with several other cards, all of which are active for purchases. None of them charge interest during the first 30 days grace period and all of them also clearly indicate an " interest saving payment '' amount for the current bill. Not Chase however.

Very deceitful and unreasonable. Chase refused to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: 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 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: LA

Complaint narrative:
I have recently noticed some fraudulent accounts on my consumer report that are affecting my personal life.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX  - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: IN

Complaint narrative:
In regard to my last complaint... 

You state that these addresses are in an " active forwarding order with USPS to forward all mail to our current address '' which is false. I have sent a debt verification letter to this address and have had it returned to me by USPS stating : " MOVED LEFT NO ADDRESS UNABLE TO FORWARD RETURN TO SENDER '' you have falsified your stance that your prior addresses have an active forwarding to your current address, preventing me from sending debt verification letters for you to receive them and more importantly validate and verify your stance on this account. 

I will attach documents stating this claim and provide proof, despite your attempts to change your address after my initial complaints to justify your stance. You have proven to be in violation of my federal rights, and have furthermore perjured yourself in your responses both here and on XXXX XXXX XXXX XXXX XXXX site. I have documented and saved all files and plan to hold you accountable unless you delete this from my account you have on file and send me proof of this being deleted and prevented of any further re-addition to my credit report as well as the halting of any transaction of this debt where you may sell to another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
The following Cease and Desist letter to stop communication for a debt that has already been forgiven from WELTMAN, WEINBERG & REIS CO., LPA debt collection. 
Attached to this compliant regarding the debt collection from XXXX XXXX XXXX you will find my Copy B form. Specifcally from the IRS, as iv recieved from XXXX XXXX XXXX XXXX XXXX CEO that is to be reflected and XXXX out immediately. Amount of {$20000.00} as it shown on my 1099C-Cancelation of Debt. As a debt collection WELTMAN, WEINBERG & REIS CO., LPA to stop all attempts and forms of contact as refrenced in my Cease and Dessit letter as well as the removal of this debt that has been taken care of already by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit 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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I used a 5/3 bank drive-up ATM to make a deposit into my XXXX checking account. The bank location was XXXX XXXX XXXX XXXX, XXXX OH XXXX. The time was roughly XXXX. I inserted my XXXX debit card, followed the prompts, selected 'deposit ', waited for the cash door to open, inserted {$300.00} cash into the machine, door closed, and then the ATM malfunctioned and froze. I was unable to select any option on the touch screen, press any button, remove my debit card, or remove my deposited cash. The machine changed screens to 'do you need more time ' and I was still unable to make selections or cancel the transaction. We recorded the event on my personal phone, showing not only the screen but the time, location, and malfunctioning ATM. 

We called the 5/3 bank corporate customer service line at roughly XXXX seeking guidance or help and the agent stated we needed to take this matter to my ( other ) bank and have them file a dispute on my behalf. After XXXX or so minutes of sitting in the drive through ATM machine, I became irate and ripped my debit card out of the machine and left the scene. 

Since XX/XX/XXXX, I have contacted XXXX bank 8 times via phone call to both the branch ( XXXX XXXX XXXX ) and corporate office only to be told the same thing as I was told XX/XX/XXXX ; they will not discuss the ATM dispute with me since I am not a bank, XXXX needed to file a dispute on my behalf for company compliance. Most recently, I called XXXX Bank corporate office today at XXXX and was speaking with a female named XXXX, XXXX yes, I confirmed her name and asked her to spell it. She again stated even though I recently opened an account ( because I was told they would be more helpful if I had an active account with them ) she could not assist me and XXXX needed to file the dispute against the ATM machine, or I needed to contact the branch again for resolution. I asked for a written statement of that response and she said she would not comply with my requests. I told her " so, you are refusing to comply with my request for documentation? '' and she said she would not provide that information. 

I have filed a separate complaint against XXXX about the same issue, they refuse to file a dispute on my behalf and have on XXXX separate occasions over the past XXXX weeks provided documentation stating they will not pursue this issue any further because it was an unaffiliated ATM machine and I needed to handle this matter personally with the ATM owner. 

XXXX Bank only wants to discuss this matter with XXXX, and XXXX is refusing to communicate with XXXX Bank on my behalf. 

I have video evidence of the event on my phone, the ATM should have an active camera and data recording, and it should have a positive balance of {$300.00} in the machine. This has been a horrendous experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit 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 non-monetary relief
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-24 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: CA

Complaint narrative:
Yesterday, I pulled my 3 bureau credit report and discovered that I was a victim of ID Theft. I just obtained my ID Theft Police Report from my local police department. 
Below are the fraudulent collection accounts that I am disputing to XXXX permanently deleted from my 3 bureau credit report : XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX - Reporting on 3 of my credit bureau 's XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX - Reporting on just Experian

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a home mortgage with TD Bank. They are currently harrassing me, claiming that my XXXX taxes are not fully paid. This is a lie, they are fully paid and I spent time confirming this with the State of New York. I have been sent two letters from TD Bank, both asking for proof of payment. The XX/XX/XXXX letter requested proof sent to an e mail address provided. I sent that proof on XXXX. A receipt from my bank showing taxes paid. But TD Bank continues to send threatening letters, the most recent one on XXXX, asking for the same proof. I would like to stop being harassed by TD Bank and would like them prosecuted to the full extent of the law for this harassment. 
Thank you for your time. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: LA

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 each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I changed my due date on XX/XX/24 from the XXXX of the month to the XXXX of the month. I knew that it would not go into affect until XXXX so I paid my XX/XX/XXXX payment early on XX/XX/XXXX to avoid late fees. The due date was changed but it shows due on XX/XX/XXXX which I already satisfied my payment for XXXX and interest was taken, so the next billing cycle should have been XX/XX/XXXX th and not XXXX. I was told there was nothing they could do and I would have to make the XX/XX/XXXX payment which I plan to do. I think Chase owe me refund because they are charging me 2 payments in XXXX. One made on XX/XX/24 which satisfied my XX/XX/XXXX payment and the payment due XX/XX/24 which was paid today. The XX/XX/XXXX due date should not be due. The payment should not be due until XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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