vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Facts : Chase Sapphire Reserve Credit Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid ) XX/XX/XXXX - XXXX XXXX XXXX XXXX  from {$13000.00} to {$1400.00} - taking the amount of annual fees charged to 39.2857 %, which exceeds the 25 % limit. 
XX/XX/XXXX - Membership Credit was issued ( auto generated ) to my account of {$550.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid )- the percent of annual fees charged to the Total Line of Credit was 39.2857 %, which exceeds the 25 % limit. 

per section 1026.52 Limitations on fees under the eCFR ( The Electronic Code of Federal Regulations ) it states : The total amount of fees a consumer is required to pay must not exceed 25 percent of the credit limit.

My fees are 39.2857 % - thus in violation of the Federal Regulations I have contacted Chase multiple times regarding this issue and each time they have stated that they are unaware of this rule and have no way to manually credit me the Annual Membership Fee.

I am writing this in hopes you will be able to help me hold Chase accountable for not following the Federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CA

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 : XXXXXXXX XXXX XXXXXXXX Acccount name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX 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 2022-11-15 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: EQUIFAX, INC.
State: CA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXXXXXX bank Which was brought by LUV funding was previously deleted for false information and inaccuracies. 
This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. 

Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: OH

Complaint narrative:
I owed a collection debt to Mandarich law group, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX in the amount of {$890.00}. I paid with XXXX money orders that was attached together when I mailed them. On XX/XX/2022 I spoke to a representative and they told me they received {$500.00} of {$890.00}. The representative told me to call back and the payment might post tomorrow. I called back on XX/XX/2022 and spoke to another representative and they still are saying they do not have the other money order in the amount of {$390.00}. The money orders was attached to each other, there is no reason why they received XXXX but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: SC

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. 

XXXX : # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: SC

Complaint narrative:
In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX  Finacial XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...

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 2022-11-15 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: SC

Complaint narrative:
In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 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.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...

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 2022-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have a situation that has been a very long process as a customer with XXXX XXXX XXXX XXXX. They are fraudulently over charging me after paying the full complete amount after taxes that the cars cost. Repossession has happened over the amount times possible. They have been very apologetic and they havent won XXXX hearing regarding this investigation regarding my properties. Some how they have been using co- signers to accomplish criminal activities through their dealership. I was A former employee. Before these events occurred. They have been trading in their Personal own vehicles making contracts. 
Destroying the evidence for their to use to approach them. Repossessing and refinancing. Creating loss of property and Money for long that people who have experienced this situation need help with this problem I saw it I experienced it and I to confront them as soon as a date court becomes available. Or what I can do from this point is possible were ever I can address it. I had to investigate this situation for years since I identified with what was going on. It cost so much money that I have bring it to an authority. 
That can resolve these matters. 

So please be aware not to ignore your approach regarding this information. 

Please contact me regarding my report # XXXX XXXX P.S, Thank you for your time. 
XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc
State: PA

Complaint narrative:
I signed up for a BlockFi credit card with cryptocurrency rewards program in XX/XX/XXXX. They initially offered a very high reward interest rate of 6 % for up to XXXX XXXX as shown here : XXXX XXXX XXXXXXXX Over time, they continued to lower the reward interest rate and the amounts, with the latest rate change being shown here : XXXX XXXX XXXX XXXX appears that this credit card and rewards program is part of an elaborate Ponzi scheme where BlockFi offered high interest rewards in order to acquire real assets and liquidity. They then freely chose to spend and use customer 's assets for their own risk and benefit. 

While this was described as a custodial account service that I maintained ownership to, funds in my BlockFi deposit address ( XXXX ) began transferring out without my consent on XXXX as shown here : XXXX XXXX  XXXX It is unknown who is in control of this address and the other addresses where my assets continued to transfer to, but this address is currently empty : XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX of BlockFi, assured customers in a long XXXX thread that all BlockFi products were fully operational and that they were an independent business entity, stating they have a $ XXXX line of credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and will remain an independent entity until at least XX/XX/XXXX. 
XXXX XXXX XXXXXXXX On XX/XX/XXXX, BlockFi posted the following status stating they were limiting platform activity due to lack of clarity with XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I received multiple communications from BlockFi stating my credit card was deactivated and that I was still responsible for payments. The card had been declining for about a week prior due to non-sufficient funds errors, while having sufficient funds. It is my belief that they began deactivating card services prior to any public announcement about XXXX and also lied to customer 's on XXXX in hopes to keep as many funds on their exchange as possible. 

It is my further belief that cryptocurrencies paid for rewards may have been obtained illegally and actually paid out with customer 's assets. The sources of all rewards payouts needs to be investigated by blockchain analysts. Where these assets came from and where they all moved is very easy to determine and all recorded on the blockchains involved. 

Additionally, due to BlockFi suspending and limiting activity, no cryptocurrency assets from the rewards program are currently accessible. It is my belief that the entire program was setup to operate an elaborate Ponzi scheme where BlockFi freely chose to operate on a fractional reserve system. No assets they used and stole were backed with like cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank offset my account on XX/XX/2022 and justified such action by citing their 'The Deposit Account Agreement ' which outlines the definition of a joint account. This agreement also states that " We do not have to give you any prior notice to apply the funds except as required by law ''. As stated in 'The Consolidated Laws of XXXX XXXX ', Chapter 2- Banking, Article 1 : Short Title ; Definitions ; Miscellaneous Provisions, Section 9G 'Right of set off ', subsection 3 - " No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor ''. I nor any other of the joint account holders were ever notified of an intent to offset by Chase bank, making their actions on my account unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
This request is to have a fraudulent Hard Inquiry removed from my credit report on the three major credit reporting agencies ( XXXX, XXXX, XXXX ) as well as the consumer credit and verification company that processed the Hard Inquiry ( Factual Data ) and then provided that information to at least the credit reporting agencies listed above and possibly others that I am unaware of. 

I was notified by a bank with which I do not currently do business ( XXXXXXXX XXXX  ) on XX/XX/2022 and informed that a new bank account had been opened under my name and SSN. Fortunately the bank employee felt that it was suspicious so they called me to discuss the matter, and then closed the same account due to the believed fraud. They also warned me that the perpetrator had all pertinent personal information including SSN, XXXX XXXX  #, etc. 

Since that contact I have continually been contacted/informed of ongoing additional activity to include multiple mortgage refinance accounts in process at numerous lenders. I have also received credit monitoring information on a hard inquiry under my identity, and in contacting them have since learned that there are additional potential attempts to process applications for bank accounts, credit cards, etc. 

I have since received phone calls and mailings under my name ( XXXX XXXX ) and SSN which indicates my identity and SSN has in fact been breached and is being used fraudulently. 

My wife and I have also now been receiving phone calls and mailings under just her name ( XXXX XXXX ) and SSN to include completed mortgage refinance applications being attempted, also indicating that her identity and SSN has been breached and is being used fraudulently. 

This activity continues to be ongoing still, with the latest being last night when she received a completed thick multiple page mortgage application to be signed, and also a voice mail this morning from an additional different vendor to discuss a mortgage refinance being processed under just her name and our address.

The Hard Inquiry on both of our credit reports occurred on XX/XX/2022 by Factual Data credit reporting agency. I contacted them on XXXX to dispute the inquiry and have them remove the inquiry from all three of the major credit reporting agencies. They indicated that they would start the review process to do so, at which time that also told me that I should contact the CFPB and start the process here as well. 

I have started a crime incident report with local law enforcement ( XXXX XXXX XXXX Colorado ) and was told that the process may take some time as well. They did provide me with a Fraud/Identity Theft Incident Report tracking number which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CORELOGIC INC
State: FL

Complaint narrative:
I have been disputing wrong and harmful information on my XXXX and XXXX XXXX but it dosnt go any where and Im trying to build my credit and they report to renters on my back round and obtaining a car there is harmful things that make them not want to finance me XXXX and have a good day

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