vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase violated its own credit card agreement. The agreement information is located on the statements. All of the balance on this card is under a " My Chase Plan. '' The " My Chase Plan, '' agreement states that no interest will be charged on any portion of the associated plan. The statement, under " How to Avoid Paying Interest Charges, '' states that in any no-interest promotions, " balance '', is not a purchase, it's a balance it does mention purchase subject to an interest-free balance, but then states that the interest charges are not charged on a balance. Per the My Chase Plan agreement, the balance includes the fee associated with the plan. It's 0 % interest but is a fixed fee charged for the plan. The balance also includes late fees as it does state that missed payments can result in late fees. These would be directly related to the balance. I have a strange charge going from {$.00} going up to {$1.00} this month. The balance was {$0.00} when the Chase Plans were created. The balances are subject to the 13.24 % interest are odd low dollar amounts. The only additional charges on the account would be late charges and the plan fees. Per the card agreement on the statement, interest is charged for purchases, cash advances, overdraft advances, and balance transfers. There is no mention of late fees being part of interest rate calculations. I have been late on this card for a few months, due to unfortunately having financial issues due to my XXXX  XXXX. The agreements Chase has do allow for speaking with them for help with financial issues. Which in my opinion, gives you the allowance to set up additional payment options if needed. The agreement specifically states, pay the payment by the due date or we will assess a late fee. I let them assess the late fees. They violated the agreement by charging interest on the My Chase Plan fees, which is not allowed in the My Chase Plan agreement. Also, Chase calls me constantly, I have asked them to stop, but they won't. The one time I asked for help, they told me, and I quote " I'm sorry, I can't help you. '' This was a gentlemen I spoke with. This was a call that I initiated. I called the collections department for this. I was specifically told that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX Since around XX/XX/XXXX, I have NOT been able to access my California issued Employment Development Department ( EDD ) - Unemployment Benefits Visa Debit Card, serviced by Bank of America ( BOA ).

I can NOT login to my Account on Line, it says " Your account can not be accessed. Please call the number on the back of your card. '' I have called BOA numerous times ( roughly 20+ calls ) with no resolution. I asked to speak with a Manager/Supervisor, and was placed on hold for approximately 40 minutes. I could wait no longer.

I was ultimately told by BOA staff that only EDD can unfreeze my account. 

I contacted EDD repeatedly. They reviewed my account and said there should be no freeze on my account. As I DO NOT have an " active '' claim with EDD, I was told the matter is between BOA and myself.

I asked BOA to provide me with a WRITTEN explanation as to WHY my account is frozen. They refused. I was told there is NO TIME FRAME for resolution of my frozen account issue.

I again, contacted EDD who explained there " may '' be some technical issue, and that they are looking into it. They could not give me a date as to WHEN they might communicate with BOA and resolve the problem. 

As an XXXX Senior, I am now facing dire circumstances including Food insecurity, Gasoline insecurity, Housing insecurity, Transportation insecurity, NOT being able to make needed Medical and Dental appointments, missed Insurance Premimums, and soon to be missed Car Note and Automobile Insurance and related payments. 

I feel like this is the XXXX 's -- that I read about in the History Books -- and, it's SCARY when you can not withdrawn much needed benefits to pay for your basic needs, FOOD, CLOTHING and SHELTER!!! 

My research reveals that this may be a MASSIVE PROBLEM. And, I believe the United States Government should STEP IN ... and MEDIATE the resolution of the problem between BOA and EDD.

As an American Citizen, I feel that my CONSTITUTIONAL RIGHTS and CONSUMER RIGHTS have been VIOLATED.

ALL I ASK is for the PROMPT and IMMEDIATE resolution to this debacle. 

Bank of America is the Nation 's 2nd Largest Bank... It's EASY for them to read a script and SAY there is NO TIME FRAME for resolution. BUT, for myself and MANY MANY OTHERS, each day of frozen funds is health and life threatening!

CFPB, I PRAY for your help with this matter. " In God, We Trust ''.

Sincerely, BOA / EDD Benefits Recipient

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 2022-06-22 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: IL

Complaint narrative:
In accordance with the fair credit reporting act bankruptcy account # XXXX and # 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. 

I did not give them written instruction.

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 2022-06-22 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: CA

Complaint narrative:
The credit bureaus stated that these accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 : states that 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 explanation
Consumer complaint received 2022-06-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Collection : 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 XXXXXXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : 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 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX  XXXX Collections : XXXX XXXX XXXX  XXXX Delete this account. 
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

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The only thing that I've done was applying for a auto loan and upon that I've noticed random inquries appearing 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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # # # # # # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have sent several letter to Equifax and i havent even got a respond to the letters that i sent back in XXXX and i know it pass the 90 deadline No one had respond to me either by email or mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In using my personal Santander online banking system, I attempted to transfer funds from Santander account to an outside account at another banking institution, in the early XXXX hours ( XXXX ) Santander online system states if there is verification a passcode will be texted to authorize transaction. There was no text or passcode recieved. There was no email communication either. 

Later in the day, there was a missed call from Santander. 
In my attempt to call Santander back and find out why they called, I went into the online system and there was no record or review of the transfer I entered into the system in the morning. 

After multiple transfers with Santander bank, I was finally transferred to fraud. Rep stated I did transfer incorrectly. Then I verified with rep that the transfer was done correctly etc. No one within Santander could state why my funds were not transferred to my other institition!!! Rep acknowledged seeing transfers in the system ( they magically appeared after XXXX XXXX XXXX. which defeats purpose online banking and quick and ease! ) And rep intentionally did not assist with transfer!!! Intentionally blocked transfers after verifying it was not fraud and that I completed the steps correctly. 
Santander Bank has no right to hold, block me from my money!!! 
Transfer amount {$2500.00} on XX/XX/22.

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am writing this complaint because on XX/XX/XXXX, I had a late payment from a private student loan company called Firstmark Services XXXX recoded on my credit report. As a result, my XXXX credit score decreased from XXXX to XXXX and my XXXX credit score decreased from XXXX to XXXX. My loan in total was {$2500.00} with {$50.00} monthly payments. Today I have a balance of {$1800.00}. This loan was initially set up in XXXX with XXXX XXXX XXXX and XXXX XXXX sold my loan to Firstmark Services where my first payment was made in XXXX of XXXX. I have never had a late payment recoded until now. I am fully confident that this late payment is an error on my lenders part. 

To begin, I had set up auto-pay roughly the first week of XX/XX/XXXX for the purpose of worry-free timely payments. I thought everything was set up correctly but according to their system records, autopay was not set up and was not confirmed. As a result, my XX/XX/XXXX payment went 44 days late and my credit was affected ( and almost missed my XX/XX/XXXX payment ). They stated they gave me multiple phone calls ; however, I did state my phone blocks out spam XXXX XXXX XXXX XXXX XXXX XXXX 

My attempt to resolve this was a two-and-a-half-hour phone call around XXXX XXXX XXXX with Firstmark Services which included a financial rep and 4 different supervisors. Unfortunately, I was told by the rep each supervisor that the lateness was reported correctly. I feel stuck and the conversation came to a point where I asked for leniency since this was my first reported late payment given to the creditors. At that point, I realized that I would take need to take personal responsibility in order to get the lateness removed from my credit. I reached out to credit experts, friends and family which lead me to reaching out to you. 

I have never had a late payment recoded on my credit report and I am saddened to have seen this happen. I am XXXX XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX iXXXX XXXXXXXX and have been working on keeping my credit in excellent standing. I plan to work diligently with you to get this lateness removed from my credit report in any way possible. I have future financial goals that I would like to continue to work towards. 

My Firstmark Services Phone Number : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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. 

References : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 ( XXXX ) and on XX/XX/2021 ( Transunion ) and on XX/XX/2021 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXXXXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: MD

Complaint narrative:
Few years ago I used my XXXX XXXX  out of town and paid all deductible amounts, etc. 
After one year, I kept receiving suspicious invoices from other people. 
I never responded and XXXX never charged me for any payment. 
Now after few years I got attached debt collector letter that I do not want to respond. 
I have an automatic payment account with same XXXX XXXX XXXX XXXX and they always draw out any money I owe them. 
Therefore, I do not want to communicate with other unknown entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX 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 EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : DEPTEDXXXX XXXX DEPTEDXXXXT XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX ELEVATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : 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  Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXT XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX DEPTEDXXXX XXXX Delete this account. 
XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation