vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: MA

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have automatic payments setup on my credit card accounts for the minimum amount so that if anything happens and I can not make the payment I do not have a missed payment. This is true for my Chase credit card formerly ending XXXX. I also manually make a payment for the difference in the statement balance and the automatic minimum payment. This ensures that I will not incur any interest fees. My account was flagged with a fraud warning and I had to verify charges with Chase. Upon reviewing charges I realized that Chase is not consistently processing my automatic payments. They are processing my manual payments consistently. This results in the statement balance not being paid in full every month and the Chase credit card account has been incurring interest charges since XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MA

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MD

Complaint narrative:
On multiple occasions, Cash App has deactivated/ disabled features on my account. Just today aXXXX XXXX XXXX on XX/XX/year>, they have disabled the feature in order to get direct deposit. So now I can not receive paychecks from my job. I do have a sponsored account, but every week they are asking me to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX5 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX has been emailing regarding a debt that was unauthorized and I want it properly investigated.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Transunion.

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 2024-06-25 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
i looked at my credit report and there is something in XX/XX/year> beginning date with a 1 month term and then it also said on the XXXX  report it will be removed from the rport at the end of the year. the amount is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
i looked at my credit report and there is something in XX/XX/year> beginning date with a 1 month term and then it also said on the XXXX  report it will be removed from the rport at the end of the year. the amount is over 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 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
We have a loan through TD Bank from XXXX XXXX XXXX. We have spoken in detail with TD Bank customer service regarding the loan. The issue is that the minimum requirement is {$26.00} and since we have had this account we ALWAYS pay more than the minimum due. Since the inception of this loan we pay hundreds each month and TD Bank has charged us {$26.00} for a late fee if not paid by the XXXX of each month. We continue to call TD Bank each month to dispute this " late fee of {$26.00} '' even though the prior month we usually pay any where from {$100.00} to {$200.00} dollars. We stated to TD Bank that they are essentially charging us a pre-penalty fee. According to TD Bank, our payments are due on the {$26.00} on each month regardless of how much money was paid the month before. So on the XXXX of this month, we paid another {$100.00} and we checked our online account and already a fee of {$26.00} was assessed on our account. After speaking with TD bank today, we inquired about a grace period. It has now been brought to our attention that they do not have a grace period and they are unwilling to correct their accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXXXXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXXXXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX  XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This complaint is in reference to XXXX, SUBMITTED ON XX/XX/XXXX It is currently XX/XX/XXXX - I called CareCredit and they informed me that they attempted to call me twice, however I believe my phone line took these to be scam calls, so i did not receive notification. 
Carecredit claimed they were ready to offer me a way out by negotiating allowing me to pay the principal amount, and would remove the interest charge, but because I was " too late '' to the " 60 day grace period '', they had to take the deal off the table. 

This is again very similar to their former claim that they were ready to offer this remedy for me within 30 days of the interest charge, but because I was " too late '', they would not do so. 

This is once again deceptive trade practices, and it feels as if they want to give the perception that they gave me notice and options, however I can assure you they did not give me any such ability to remedy the situation. 

These supposed offers and deals were also never made in writing to me, and were only referred to when they were supposedly " too late '' to be made anymore. 

As it stands, I now am being charged {$170.00} in additional interest EACH month, on top of the nearly {$2500.00} i was charged. 

The company through all of this continues to make it extremely hard to communicate with them claiming " we do not have email, please use mail or fax to make corporate level complaints '' They also claim that the secure messages service I used to even file this complaint in the first place is " offline while we move it to a Remote workflow '', so as of right now I have no reasonable means to communicate with corporate. 

I have been on the phone for hours with their customer support, and they wont provide me with 1. a phone number to contact corporate 2. an email to contact anyone in the company To conclude, I sincerely ask for your help in putting this company on notice for its continued deceptive trade practices as it attempts to keep me dragging along forced to pay monthly interest payments when the company gave me no reasonable option out of this. 
I am a student, and I simply can not afford these interest charges.

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 monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX of this year, Chase support confirmed to me that they would grant me XXXX Ultimate Rewards points upon my completion of the minimum spend requirement. Excerpt from the Secure Message Center : " your account is eligible to receive XXXX bonus points after you spend {$4000.00} on purchases in the first three months from account opening. 

Also, our records show that you have not met the spending requirement yet. Once you meet the required spend, please allow up to eight weeks for the bonus points to be awarded. '' I noticed however that the progress tracker in the app said that I would only receive XXXX points, so I reached back out to support regarding this and received this reply, still stating that I would receive the XXXX points : " Hello XXXX, Thank you for contacting us. 

We're here to help with your inquiry about your recent request to match the New Account Bonus of your Chase Sapphire XXXX credit card to a new offer. 

XXXX, we'd like to inform you that the option to directly change your bonus offer isn't available yet. This is why it is still the offer visible for your account. 

We've set your account to automatically receive your additional bonus points within 6 to 8 weeks from the date you met the spend requirement. You don't have to do anything else. 

XXXX, we hope that we were able to provide clarification on this matter, and and appreciate you for choosing Chase for your credit needs. 
" When my account was only credited XXXX points, I reached back out to Chase to inquire why. They stated that I no longer qualified for the enhanced bonus- contrary to what I was told over a month prior. When I asked why I was mislead by their support, I was ignored. My requests to escalate this issue have also been seemingly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: CT

Complaint narrative:
The oldest account on my Innovis file contains an inaccurate address and phone number. I try to dispute this on their website and am told I can only be helped via phone. I try to dispute this via phone and inform Innovis of my rights, and am told I can only be helped by a manager. I try to dispute this with a manager and am directed to a voice mail box, where I left a message, and haven't heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I disputed the XXXX XXXX XXXX  reporting for XXXX XXXX XXXX  and they refuse to update Experian and XXXX this is what they show when I dispute it as too lazy to update it with correct info in front of their faces. They are still showing XXXX on the report owed too lazy to update it. 

To : XXXX XXXX XXXX : From XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX RE : XXXX Reporting : Refuses to Update this Correctly, todays Re : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account number Status XXXX XXXX XXXX  XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
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