vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
To Whom It May Concern, I am writing regarding fraudulent bait and switch tactics of Marriott and Chase regarding the Marriott Bonvoy " BOUNDLESS '' credit card. I recently applied for the card based on the advertisements that I saw online. When I went to apply, the offers kept changing. I wanted the offer that had {$300.00} instant credit from Marriott, plus up to XXXX points after spending {$3000.00} in the first six months. After I was approved for the card, I continued to see the promotion for the {$300.00} credit. I tried to apply again, but was denied ( likely because I had just been approved ). To this day, I continue to see promotional ads in my Marriott account about the {$300.00} credit, but when I click on that link, it goes to a different offer. See attached screen shots, including that when the offer is clicked, it changes to a different offer. 

At this time, I have not received a {$300.00} credit. I have called Marriott and Chase several times, and each company just points to the other party as the one responsible for the deceptive advertising. Each one says they have no ability to give the credit. I am still seeing the promotion for the {$300.00} credit all over the Marriott website, including on the home page and also when I log into my account. This is after I have notified both Marriott and Chase that the deceptive add is still being used and there is some pretty massive fraud and legal exposure. 

TO THIS DAY, I AM PROMOTED WITH THE {$300.00} OFFER, AND THEN WHEN I CLICK ON IT, IT IS A DIFFERENT OFFER. I have called both Chase and Marriott at least two times, and they do not seem to understand, or take seriously, the ongoing fraud. 

Damages for fraud are treble, so I'd like a credit to my account of {$900.00}. 

I'm copying various enforcement authorities to look into this, including reporting to the CA AG, CPFB, XXXX, etc. 

XXXX XXXX, XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: FL

Complaint narrative:
In XXXX of XXXX  a XXXX XXXX  credit card was fraudulently open and used in my name. I was not even aware of this card until XXXX or XXXX of XXXX  when applying for credit. I HAVE NOT opened this card Ive disputed with XXXX XXXX  as well as trans union. They do an investigation where basically they called XXXX XXXX  and XXXX XXXX  told them oh yeah this is verified as accurate. I have not been furnished any paperwork or documentation explaining why its verified as accurate or how its verified as accurate after asking several times several emails to both companies and sending two letters through the mail to XXXX bank as well. Ive still received nothing, Ive disputed multiple times they will change on the TransUnion. Theyll change a payment history on it but then the very next day they change it right back to what it was before theyll remove a comment from it that I never made a payment and then the next day theyll put it right back on there Because I get alerted every time theres a change on my credit report now because of this situation it is ruining my credit I have a 100 % payment history of anything Ive had credit on in the last seven years explain to me why I wouldnt pay one lousy {$1000.00} credit card off. This makes absolutely no sense and in my book its criminal what theyre doing

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 2023-07-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXXXXXX ), XXXX ( XXXX ), XXXX ( JPMCB ), XXXX ( JPMCB ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Under the student loan pause, all accounts were supposed to be showing in good standing. No late payments should be showing on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, XXXX Dear XXXX, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, 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 2023-07-13 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX  XXXX filed on my behalf. Penfed sold a debt to another collection agency of {$9600.00} on XX/XX/XXXX Account ending XXXX and penfed Federal credit union, still trying to collect the debt after they sold the debt this is all public record. on XX/XX/XXXX XXXX XXXX Discharged I get letters in mail, Email, phone calls, from Penfed! Penfed sold my debt and reclaimed it during bankruptcy. I have all document to prove in court when I file. Penfed reports on XXXX XXXX XXXX discharge and penfed go back and reports charge off bad debt/collections. Penfed reports multiple times to manipulate credit bureau. They also send collections to collect debt while manipulating false practice in reporting to credit bureau. I have been threatened to be sued for bad debt and my home have lien put on it if I do not pay. BANKRUPTCY CODE SECTION 362 AUTOMATIC STAY have been a VIOLATION OF AUTOMATIC STAY UNDER ITS POWER OF CONTEMPT. PENFED VIOLATED THE COURTS ORDER. I WILL FILE FOR DAMAGES SOON. PENFED WILL LIE ABOUT CALLING SO THEY CAN IGNORE THIS I DO NOT WANT THEM CALLING ME IM TIRED OF HURASSMENT. This month Penfed again each month reports multiple times to XXXX in one month at same time. First penfed will acknowledge its XXXX  XXXX discharge and penfed will report after that BAD DEBT and penfed will go in and state collection. Penfed is manipulating credit bureaus. Penfed hit my report 4 times back-to-back on same bureau same 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 non-monetary relief
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT XXXX REQUEST SEE DOCS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Source Receivables Management LLC
State: WI

Complaint narrative:
XXXX XXXX and XXXX XXXX reported late payments when they were XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one and XXXX XXXX reported late payments when they were XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 money from my checking account was withdrawn without notification from me, and leaving me a XXXX balance. After attempting to make routine purchases I contacted and visited the bank the following day XX/XX/2023. The bank confirm that my money was withdrawn, but did not or could not say by who or why? They assured me the problem would be resolved, and after that visit I received in the mail a letter from Bank Of America stating : " We debited your account a partial amount of {$14000.00} from a transaction that was credited my mistake -- here 's what you need to know. On XX/XX/2023 we were notified that your account was credited by mistake. To fix it, we debited your account -- you'll see the adjustment on your monthly statement. '' But that was three weeks past. On XX/XX/2023 I returned to the bank and spoke with a bank representative -- the original person with whom I spoke with during my initial visit ( XXXX XXXX ), who made several phone calls to no avail. 
She then advised me that she would get me a solution to my problem, and I left. I have called and visited the bank, but the bank have not resolved my problem. I still do not have my money returned!

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 2023-07-13 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: MO

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 USC 1681. 


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 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 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 2023-07-13 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: MI

Complaint narrative:
I called them on the phone all three credit reporting agencies, XXXX, XXXX, and Trans Union and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized

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 2023-07-13 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: MI

Complaint narrative:
I called them on the phone all three credit reporting agencies, XXXX, Equifax, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I called them on the phone all three credit reporting agencies, Experian, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Experian Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, 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 2023-07-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My house burnt down on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX issued a check in the amount of XXXX to me and PHH Mortgage. I endorsed this check and forwarded it on to PHH Mortgage via certified mail on XX/XX/XXXX. It wasn't until XX/XX/XXXX that PHH fed ex me an authorization to utilize property insurance claim proceeds to pay my loan in full ( form3 ). I signed the form and fed ex it back the same day. 
The payoff was XXXX leaving an excess of XXXX which I should have received by now. XX/XX/XXXX I have called PHH several times speaking to XXXX, XXXX, XXXX, XXXX and others. None of them seemed to know anything. 
I have tried to check into my PHH account online, however I receive a response " loan paid in full. '' Where is my money? I am trying to purchase a new home and need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a notification from XXXX that my credit score went down significantly. Then noticed that there was a JP Morgan Chase credit card listed in my credit score that was opened in XX/XX/2022, that was not me. I only have an XXXX XXXX and a XXXX XXXX  XXXX debit card. I have never had an account with JP Morgan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A credit card account was opened under my name with a {$29000.00} limit, and is currently on my credit report with a balance of {$3000.00} currently on it. I never opened an account or applied for a credit card with Bank of America. I contacted them a while back, and always got put on hold, or transferred to another department where nobody helped me. After about a year of trying to figure this out, I stopped trying due to frustration, and just decided to keep the balance current to avoid fees and penalties. I was going through a divorce and was having a lot of other things going on at the time, so it slipped my mind until I saw that Bank of America was being sued for opening up fake accounts, then everything made sense.

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 2023-07-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH mortgage company was sent a check by my insurance company to endorse for repairs from water damage. The mortgage company has after repeated calls, and sent documents they requested has not processed a check to me after one month. 
The company is listed in XXXX Ohio, but the phone numbers they publish are all routed to the XXXX and no numbers will be given out to make stateside contact. I have been told on 6 different occasions that the check had been processed, but they will not confirm funds have been sent. 
They have received documentation from me that I have paid all contractors for the work done, and am trying to get the reimbursement as promised, on 6 separated occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
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.

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 inructions 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