vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: CA

Complaint narrative:
I have two types of promotional finance offers on my credit card : Amazon.com " Equal Pay '' for no interest ( purchases made on Amazon.com for which I forgo the 5 % Amazon XXXX purchase credit to obtain longer payment terms ), and " MyChasePlan '' offers, which are equal pay plus a monthly fee that is, essentially, imputed interest. On XX/XX/XXXX, I had balances on both types of plans. I called to obtain the SPECIFIC amount necessary to pay off ALL of the " MyChasePlan '' outstanding balances, a feature that we are assured in large letters will be permitted at any time without penalty when setting these up. 

On XX/XX/XXXX, the Chase representative told me that I had to first pay off all of my " 0 % interest Amazon Equal Pay '' balances ; I was unhappy about losing the extended payment period on these, but figured it was my fault for not reading the fine print before setting up the MyChasePlan agreements. So I paid the entire total amount I was told was necessary on that day to pay off all of the outstanding amounts. I just received the next monthly statement for this account. To my surprise, I discovered that they did NOT allocate the payments as I was told they would. My account still shows {$1800.00} in 4 outstanding " MyChase '' plans, with a total of $ XXXX in monthly fees until paid off. 

However, after that conversation and payment, and in reliance the assurance from Chase that this was the amount necessary to pay off ALL of my plans, I chose to purchase additional items from Amazon, foregoing the 5 % XXXX  credit I could have received if I had purchased them outright. 

Chase says today, XX/XX/XXXX, that its representative gave me the wrong information on XX/XX/XXXX. Today I was told that the only way to pay off the MyChasePlan balances on XXXX XX/XX/XXXX would have been to pay off the ENTIRE outstanding balance on the most recent previous statement. Because I relied on the incorrect information their representative gave me, I am stuck with either losing {$120.00} in Amazon credits I could have received on my late XXXX XXXX purchases if I had not chosen extended payment plans OR paying the monthly MyChase fees on the remaining MyChase plans until they are paid off ( a total of {$220.00} ). 

I can not find anything, on the Chase site or otherwise, that says I have to pay off the ENTIRE STATEMENT BALANCE to pay off all outstanding MyChasePlan offers, so relying on their representative 's statement was a reasonable action. Please help make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I applied for an apartment in XXXX, MD at the end of XX/XX/XXXX, by XX/XX/XXXX I had receive that I was denied due to " EVICTION RECORD MATCH '' via a tenant screening report provided by TRANSUNION LLC. This information is completely false as I had only ever been late on rent once back in XXXX but NEVER evicted or taken through eviction proceedings. I contacted TRANSUNION for information on where this came from and how to dispute it. I was told there was nothing I can do and that they could report this simply because there had ever been record of a landlord filing a court document against me, which is protocol if you are even a two days late, despite the outcome of said case not being eviction. 
As a result I have been unable to get approved for rental housing since and have resided in motels with XXXX small children and husband who is a XXXX XXXX XXXX veteran rated XXXX and XXXX  XXXX XXXX through the XXXX Our housing options were already slim and due to their negligence has been made near impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XX/XX/2021 I noticed a fraudulent charge on my online Amazon/Chase account. I immediately called Chase and notified them. I have a confirmation letter from them, sent XX/XX/2021, saying they would look into it and send me a new card. I have been fighting this charge since that date. I get billed every month and every month I send in an Identity Theft reply and ask them to remove the charge. This month they sent me a letter ( attached ) saying, and I quote, " You notified us that this transaction is valid. '' I have never notified them of anything except that the charge is invalid. I have a file on FTC and have notified all the credit reporting agencies. What can I do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporter Act, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporter Act, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TN

Complaint narrative:
On XX/XX/ I sent a certified letter to Equifax asking for specific documentation on how their company went about verification of certain items on my credit report, including how their dispute process works. No information was sent to me from Equifax and they are in violation of my rights as a consumer according to FCRA ) Section 611 ( a ) ( 7 ). Equifax failed to provide the requested documentation within the 15-day period as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I signed up for a Money Market account on XX/XX/20 with XXXX XXXX XXXX and was to recieve 5.5 % ( 5.64 % APY ) for 6 month. Went to check on the account using the mobile app or Huntington and was told they couldn't " merge '' it with my current on-lineaccount beause I used a middle inital and XXXX told me he would closed this and reopen a new on so I could see them both via the mobile app. He said he was going to make sure the new account got the promo code applied. I check after the 3 days and was told it didn't get applied. Someone else said they would handle it and again, I called 5 day later and nothing was done. I'm only earning .004 % on my $ XXXX which is incorrect. Each time I call, I am told " deposit XXXX XXXX XXXX needs to resolve it. I've called about XXXX 's now, Everyone tells me it'll be resolved in 3 days but it's not, I can't speak to anyone in that department and all I'm being told is " someone is looking into it ''. VERY poor example of customer service and I'm not confident anyone will correct this. I've already lost {$90.00} in interest. I'm ready to close the account but know they won't retro pay me so I'm trying to resolve using any methods necessary!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
THIS COMPLAINT IS A CONTINUATION OF THE COMPLAINT I ALREADY SUBMITTED BUT CFPB DECIDED TO CLOSE THE CASE WITHOUT HAVING IT RESOLVED!!!!! 
INSTEAD OF TRANSUNION FIXING THE ISSUE OF THEIR SYSTEM NOT EMAILING VERIFICATION CODE THEY INSTEAD CLEARED OUT MY PASSWORD AND CLAIMED BUT NEVER SENT AN EMAIL WITH LINK SO I COULD CREATE NEW PASSWORD! NOW SYSTEM DOESN'T RECOGNIZE USERNAME AND INSTEAD HAS ME ENTER SS # & LAST NAME BUT AFTER I CLICK CONTINUE BUTTON IT ONLY CLEARS THE FIELDS AND WON'T CONTINUE TO NEXT STEPS!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/23 I was checking into a flight at the Delta Airlines Counter. The Agent assisting me noted the Delta Sky Miles American Express card I was using and told me that if I upgraded to the Delta Sky Miles Gold American Express Card I would receive XXXX miles on Delta. I normally would not sign up for a card with an Annual Fee but agreed for the XXXX miles - the Delta Agent signed me up for the card. 

I had not yet received the miles and contacted American Express on XX/XX/23 via Chat. I worked with an Agent and then their Manager and was told by both that I was not eligible for the miles because I was already an American Express customer when I signed up for the Gold card. The Agent representing and selling their cards knew that I was already a card holder when he presented the offer to me. I have been using this card that I signed up for specifically for this bonus that I was offered and will not be receiving. 

I was informed there was not another level of escalation to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I got credit carded to buy some tires through XXXX XXXX XXXX via synchrony bank. I before the 6 months was done they closed the card. I had one month left. The also charged XXXX $ in interest, I called them and they told me that I was not eligible for any more credit. I told them that was fine but why did you cancel my account? Because the promotion was over ok I guess thats what they were saying but that I could still pay the remaining balance and get the interest free. So I did so however they did not remove the interest and they are charging me XXXX $ a month late fee. They call me all the time. When I try to address this they hang up on my. They text, called leave prerecorded messages all the time day and night non stop. I will not pay them because I do not owe them. They also speak really poor English and I having a slight hearing defect can not make out half of what they say.

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 2023-11-17 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: MI

Complaint narrative:
i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MI

Complaint narrative:
i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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