vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 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: MA

Complaint narrative:
I am a resident of XXXX My XXXX XXXX XXXX ( ending XXXX ) was charged an annual fee of {$450.00} on XX/XX/XXXX. The account was closed XX/XX/XXXX. 

XXXX state law says : " XXXX XXXX. A card issuer as defined in section one of chapter one hundred and forty D, whether located within or without the commonwealth, may assess an annual fee provided that the cardholder as defined by said section one, is notified of the amount of any such fee on or with the billing statement for the billing period prior to that in which the annual fee is billed to the cardholder 's account. A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX Under the last sentence, I should " receive a refund on a pro-rata basis of two-thirds of the annual fee '' when the account is closed. 

On XX/XX/XXXX, I had not yet received such a refund so I contacted Chase via secure message. On XX/XX/XXXX I received a reply that they would not process a refund because it was more than 41 days since the annual fee had been billed. I replied with the details of the Section XXXX law referenced above, and on XX/XX/XXXX again received a reply stating that it was outside their window to refund the fee, and no refund was possible. I replied asking to escalate the issue for further review, and on XX/XX/XXXX received a reply stating that it was not possible to refund the annual fee because it was outside the 41 day window, and they would not reply to further correspondence about this issue. 

At no point in the correspondence did any support agent acknowledge the XXXX law that I was referencing, and simply replied with the same boilerplate response. 

In the past, I have closed accounts with other card issuers, and they have automatically processed XXXX refunds in line with the Section XXXX law without me having to ask. Chase on the other hand refuses to acknowledge either this law or my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is Reporting False and Misleading Credit information on my Credit Report I have reached out 2 to 3x in this matter Now this is and has been a violating code 15 U.S.C 1681. The Account in this matter is as Follows : * XXXX - this company is in Violation of section 807 and 15 U.S.C 1681 and Violation 15 U.S.C 1692E and Violation 15 U.S.C 1692F and 15 U.S.C 1692D and Violation of Regulation F 100.14 and Regulation F 1006.34. this account is now involved in litigation documents attached.

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 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I hold a Chase Sapphire Reserve credit card. This card provides travel delay insurance. I had a claim in the amount of {$700.00} for this insurance as a result of a cancelled flight. The claim clearly qualifies for the insurance benefit. I have submitted documentation multiple times to the insurance processor that Chase has elected to use for this card / product. They continuously attempt to find reasons to request ever more information and avoid paying the claim. I have clearly established the validity of the claim numerous times. They do not respond to calls and are clearly engaged in a pattern of avoiding payment. I understand that this is a broader problem with them. This is an ongoing fraudulent practice by Chase and the insurance processor that needs to be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24 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: TX

Complaint narrative:
So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.

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 2022-09-24 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: TX

Complaint narrative:
So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: PA

Complaint narrative:
Equifax, XXXX, and XXXX reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my XXXX credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a Sam 's Club Account with Syncronicity Bank and they just arbitrarily closed my account without warning. I was also denied credit by them but they kept another account open with Care Credit and increased my limit. I always paid ontime using auto pay and paid more than my minimum payment. This has effected my credit score and my credit worthiness. This is a violation of my rights according to 15 U.S. Code 1681.

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 2022-09-24 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: NY

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : 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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hard inquires that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hi I'm writing because I've had account mishandling where my gov pension has been being deposited in my account and an my debit card is being treated like a secondary holders card and when I opened it I told them there are not to be no other users by no one current wife or no one I back in XXXX or XXXX opened the account that was never closed properly in XXXX at the XXXX XXXX branch as I requested due to someone bought shares into the branch that I couldn't see there is a woman with another branch card or personal identifying card of mine an it was linked to my checking not by me and in XXXX at the XXXX XXXX in XXXX XXXX XXXX where the branch manager opened the account was told no one else was to be on the account I was at the ATM to make one a XXXX dollar with draw saw a special veteran benefit deposited in my account around XXXX dollars and the other cardholder withdrew XXXX and the account immediately closed I alerted the branch an call the police where I was disrespected and was told to leave the branch this mishandling that has been going on for yr since I opened the account all money electronic deposits were for me and I received none of my payment for a yr and all money traveling threw the account has fraudulently been given to someone else I'm reporting full bank fraud on all transactions at this bank my device for reviewing secure text messages was stolen and I believe my still be actively being used I'm requesting a full investigation of all transactions in this account and am claiming full fraud and mishandling for every US Dollars traveling thru and transfers an Im asking that you look at cameras to stores transfers and electronic deposits a woman is behind this and as well a girl XXXX XXXX filed a fraud marriage being investigated by the FBI when she got info that I would be receiving pension veteran payments the best mailing address til I get a secure post office box for this moment I do not have and can only receive message and text to XXXX best to text and leave call info or message or XXXX I'm getting my LLC and opening with a different bank please know I only open the accounts deposited XXXX in XXXX withdrew that XXXX and withdrew XXXX dollars all at the branch all moble transactions are fraud as well as all those deposits were stolen please assist if u have a office I'd rather self represent and I and a active federal employee thank u for all your assistance call or text anytime u may have to try more than once thx XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
The companies of XXXX, XXXX, Lexis Nexis are reporting information on my credit report that was given my permission and using pre-purchased information from third party sites to report inaccuracies on my credit report. FCRA 611 ( 15 U.S.C. 1681I ) It is a violation and I verified with the clerk that they do not report to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Paid off the loan to Hyundai Motor Finance on XX/XX/2022. Multiple lengthy phone calls to them and still have not received title. Online shows title requested and should be received within XXXX business days and that was months ago with no progress.

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 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, Transunion, and XXXX reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my 700+ credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the 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 2022-09-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, XXXX, and Experian reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my 700+ credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the 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 2022-09-24 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: AZ

Complaint narrative:
In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

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

15 U.S.C 1681 section 604 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 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