vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: IN

Complaint narrative:
I initiated a balance transfer with Chase on XX/XX/23 of {$5000.00} for a 12 month promotional 0 % interest. I did this online. 

I received my XXXX bill with interest, so called in to make sure the promotion was in effect. I was told it was, but due to the terms of the balance transfer interest was charged on new purchases from the date of purchase instead of a traditional billing cycle. I said I was not told this, and they explained the agent had to go over these disclosures on the phone before allowing it to go through. It took two explanations from myself that it was not done with an agent but online before she said that I still acknowledged this would happen. 

I humbly admitted I'm sure did not read XXXX & XXXX 's of something like this before hitting " Accept ''. I asked to be emailed a copy of what I signed. It was stated that it could not be provided. 

Now, at this point I decided would just use another card for regular purchases to completely avoid this in its entirety. However, tracking down the all the pieces the card was tied to was problematic. But when charges came through, I made immediate payments to clear those charges to ensure no interest would be charged. 

However, I am now learning that Chase has been applying my payments with significantly higher priority to my brand-new 0 % balance transfer instead of the purchases that I had made that would be accruing interest. In addition, you are not able to see how your payments are applied in this fashion until your next statement when that interest has already been accrued. 

For my XXXX payment of {$2300.00} to clear all non-balance transfer charges, {$500.00} of that was used towards the 0 % balance. This is clearly in an effort to force the consumer to pay interest on their purchase. At a XXXX, {$450.00} would be the needed amount paid by month to have a this {$5000.00} transfer paid off in the 11 months by its due date. To take even more than this is blatant manipulation of payment to force consumers to pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXXXXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: CO

Complaint narrative:
Credit karma told me I had excellent approval odds and that I was pre approved for credit card. I was not. I was denied and it hurt my credit due to the misleading false info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX 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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/23, I attended a time share presentation at world mark in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in exchange for free gifts. During the presentation I was harassed and pressured to complete an application to get a pre approval so that they can present me with package options. This was the only way they would give me the gifts despite that It was never disclosed when I agreed to attend the presentation. 
I asked the associate that it looks like Im applying for a credit card and he said no its not. Well to my surprise after the presentation I ended up with an inquiry and XXXX Credit cards! This is fraud! I called the resort afterwards and asked, if I attend a presentation do I have to apply for a credit card and there response was no absolutely not! Which is a lie! One way or another theyre either having customers leave the presentation with a worthless time share package or credit card without your knowledge! At no point did they say I applied and was accepted for credit cards! 

The inquiry showed up on my credit report as BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Below are the two credit cards that showed up on my credit report : BARCLAYS BANK DELAWARE Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account type : Flexible spending Account Credit limit : {$15000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX Account type : charge account Credit limit : {$9200.00} Credit card was contacted about the cards opened without my knowledge and they gave me the run around and didnt address the issue.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-27 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
Ref ( a ) 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Ref ( b ) 15 USC 1681 Section 602 A Ref ( c ) 15 USC 1681 Section 604 A Section 2 Per ref a-c, the collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms violating FDCPA 812. and per 1006.34 Notice for validation of debts the agency has failed to provide any connection with me and this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
( 15 U.S.C 1635 ) DID NOT give full understanding DISCLOSURE, I FEEL THEY TOOK COMPLETE ADVANTAGE OF MY SITUATION KNOWING I HAD A SIMILAR EXPERIENCE AT ANOTHER DEALERSHIP A WEEK BEFORE COMING TO THEIR DEALERSHIP NO DISCLOSURE VIOLATIONS SUM OF ALL CHARGES INCLUDES 1 ) CAR VALUE ( DID NOT INCLUDE ) 3 ) INSURANCE : allowed me to drive off the lot with no insurance 4 ) WARRANTY ___________________________________________ 5 ) HAD TO PAY OUT OF POCKET FOR SERVICES ON THE CAR ( OIL CHANGE ECT. ) 6 ) {$500.00} DOWN IN THE CAR XXXX ) SIGNATURES AND DATES ON BOTH COPY AND ORIGINAL DON'T MATCH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Sold I car I couldn't afford Tried returning it and I was thrown in XXXX  for that! Owner of XXXX XXXX is an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have tried many different ways to pay this mortgage company Mr. Cooper or Right Path. I have written out a time line of sorts and made several attempts to pay them sometimes twice monthly. I receive text messages and inbox messages through the company telling me it has been paid. I can see at times they have taken the payment and then reversed the payment. I have paid my bank fees and fees with them. I have tried using my bank to pay them which my bank will not do anymore, tried auto pay, tried calling it in and scheduling payments. Nothing is working and now they are telling me I am delinquent. I have a feeling they are deliberately trying to get my house foreclosed on. I am filing this complaint as a first step and will be looking at getting an attorney next if I cant get the help I need. I have documentation of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
Im the cosigner on a XXXX XXXXXXXX XXXX XXXXI cosigned last XXXX and this company reported a payment over 30 days late. On numerous occassions i told them since i was the grantor of the loan for payments when not made by purchaser I was guaranteeing the monthly payment of XXXX. I wanted to be notified even if a day late plus receive monthly statements .They said no problem and would do it never received notice for any missing payments and i made one in XXXX when it gave me notice on credit monitoring. I made the paynent and told them to plesse notify me by phone text or mail. They send me emails about howvdo i like service but cant send me one when its late and they intentionality make sure im not notified and it goes in default. My credit score was over XXXX when i guranteed the payment. The two days yhey reported late i was hit for XXXX points. I dont get any statements and they intentionality made it late without notifying me. A payment was deferred in XXXX. The initial buyer who i cosigned for set up withdrawls from her bank account bi weekly and to apply it on the due date. They didnt do it by weekly they did it either 5 days before or after due date.as grantor of this loan to not be notified is fraud on there part for they forced it into being late without any notifications to me. They didnt deny my ability to pay wheni called to inquire. I cant Force the buyer to turn in if she cant afford but cant maje payments if im not made aware of delinquency. I dont ike there whole way XXXX  Financial services handled this loan and the many problems we have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX  I mailed a dispute to Trans Union, which they received per certified mail on XX/XX/, requesting that they update my balance to XXXX ( XXXX ) due to the debt being paid, and I included the evidence supporting my claim per the attached enclosures. 

According to 607 Compliance Procedures 15 U.S.C. 1681e ( b ) Accuracy of Report, which states the following, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Since Trans Union is in Violation for NOT reporting a XXXX Balance, Im requesting for this entire trade line to be removed from my consumer credit report. I appreciate your assistance in this matter.

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 2023-08-27 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: GA

Complaint narrative:
XXXX XXXX Trans union I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Equifax XXXX XXXX I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: Tesla, Inc.
State: CA

Complaint narrative:
Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you XXXX and Tesla finance from approximately 4 months and nothing till now, zero results, I want my auto tesla loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from tesla finance and 2 other finance companies, tesla finance sent my informations already to XXXX as they requested and I'll upload the email here, XXXX is not responding to tesla finance emails or my emails, I will upload also what XXXX applied with the last dispute here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: SC

Complaint narrative:
XXXX XXXX XXXX has reported late payments and late payments should not be reported. 
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 

DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED Best Regards, 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 explanation