vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX customer service : On XX/XX/year>, I applied for your credit card offer which specified 5 free nights, contingent upon spending $ XXXX in the first 3 months. 
I met the obligation, but was only rewarded 3 free nights.

After several hours on the phone waiting to talk to a supervisor, it was explained to me that I was approved for the 3 night offer instead of the 5 night offer I actually applied for.

Im relatively sure that this error was due to a software glitch somewhere along the line, as the 5 night offer I applied for was released on XX/XX/XXXX, and I applied on XX/XX/XXXX. 
To say Im disappointed is an understatement. 
Rather than acknowledging their mistake, Chase XXXX states that Im an existing account owner who is trying to obtain 2 additional free nights by transferring them to a different account.

Ive talked to 3 different supervisors, and have escalated this issue twice.

This is the same response that Ive gotten from both of my escalations : that promotional offers are not transferable between accounts.

Im sure that companies like Chase and XXXX do not intentionally participate in bait and switch credit card scams, but it sure feels that way. 

Beware of JP Morgan Chase/ XXXX bait and switch credit card scam! 
Chase XXXX is currently offering 5 free nights worth XXXX points ( {$400.00} per night ) However, after acceptance and meeting the requirement to spend {$5000.00} within the first 3 months, only 3 free nights are awarded to your account. 
Attempts to remedy error with Chase/ XXXX XXXX given answered like this : We appreciate your interest in our new offer to receive 5 Free Night bonus offer. Unfortunately your account isnt eligible to receive it. Promotional offers are only available for select credit cards and arent transferrable between accounts.

This apparent slight of hand will result in a {$800.00} valued reduction in agreed upon terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 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: NC

Complaint narrative:
XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal XXXX XXXX and Experian when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation.

Respectfully XXXX XXXX UCC 1-308 R.R. W.P.

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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
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: PNC Bank N.A.
State: OK

Complaint narrative:
I am needing a lien release on vehicle paid off in XXXX of XXXX, 30 days after bought. Company has merged several times. Initial loan was with Compass bank. XXXX XXXX XXXX took over XXXX. Have called XXXX  ( XXXX ), XXXX, XXXX ( XXXX ) XXXX XXXX  and finally XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ). No one I've talked too has been able to locate the lien release. All conversatioons took place between XX/XX/XXXX and XXXX XXXX. Lien issued by Compass bank, bank name changed to BBVA  USA then merged with XXXX XXXX  XXXX XXXX. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Va,21066 XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Dispute Regarding Violation of Consumer Rights by Collection Agency To Whom It May Concern, I am writing to bring to your attention a serious violation of my consumer rights by [ Collection Agency Name ]. Despite repeated attempts to resolve this matter directly with the collection agency, they have failed to adhere to federal regulations outlined in 12 CFR 1006.34.

Firstly, [ Collection Agency Name ] has neglected to provide validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite numerous requests, they have not furnished any documentation to verify the validity of the debt they are attempting to collect. This lack of validation is a direct violation of my rights as a consumer.

Furthermore, I have not been afforded the opportunity to dispute the account, as stipulated under 12 CFR 1006.34 ( c ) ( 4 ) ( 0 ). The collection agency 's failure to provide me with this basic right further underscores their disregard for consumer protection laws.

In addition to these violations, portfolio recovery associates has engaged in deceptive and misleading practices in their attempts to collect the alleged debt. Such actions are in clear violation of consumer protection laws and have caused undue stress and hardship.

It is imperative that portfolio recovery associates ceases all collection activities immediately until they have complied with all legal requirements and provided me with the necessary disclosures as mandated by law. Failure to do so will result in further action being taken to protect my rights as a consumer.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against portfolio recovery associates for their blatant violations of consumer rights.

Thank you for your attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-19 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-19 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent several negotiable instruments to Chase to satisfy the debt in question. According to the UCC 3-104A, this is what constitutes a negotiable instrument : A negotiable instrument is a signed, writing that states an unconditional promise or order, to pay a fixed amount of money, to order or bearer, on demand or at a definite time, and contains no other undertaking or instruction other than those allowed by the code. 

I hope to show that I satisfied this code by the submission of my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the 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 2024-04-19 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:
You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are a lot of information on my credit that is not correct. I need these items to be remove from my credit report. XXXX XXXX stating XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these items are not correct please remove them.

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 2024-04-19 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: WA

Complaint narrative:
I REVIEWED MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

Reported in Experian : XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute 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 2024-04-19 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-04-19 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: Nelnet, Inc.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
Complaint against Gemini Trust Company , Llc I have {$1300.00} in my exchange account and I wan na withdraw it to my verified bank account but I'm getting a error.I opened a ticket to customer support they told me we need proof of closure your old bank account. I provided and I also removed it from their app. there is only my current verified bank account. It's been 2 weeks. I can't get answers my e-mails

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief