vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
Confirmed the attached non-solicited email Explorer Credit Card from Chase was legitimate with Chase Customer Service. Completed the VISA credit card application and received the new Credit Card. I satisfied all of the offer requirements and expected to receive XXXX bonus XXXX XXXX miles for my XXXX XXXX ID. I have only received XXXX. I called Chase CardMember Services in XXXX, XXXX to verify that I have successfully completed all requirements for the XXXX miles. The service representative confirmed that I had and escalated the incident ticket to get the additional XXXX miles. 

I receive by mail notification from Chase Cardmember services on XX/XX/XXXX, dated XX/XX/XXXX that I am not eligible for XXXX miles with " Promotional offers are only available for select credit cards and aren't transferable between accounts. '' This is an inaccurate statement. As the attached email offer shows, the account targeted was my own XXXX XXXX account and the offer clearly identifies XXXX bonus miles. Nothing has been " transferred ''. Chase is simply trying to fraudulently change the terms of their contract without XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
there was a debt trying to be collected for CREDIT COLLECTION SERVIce in reffernce to XXXX XXXX XXXX XXXX that was previously paid off so there is not debt to be paid

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: TX

Complaint narrative:
I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I did not sign an agreement with this company. The debt collection company is attempting to collect a debt that is past the 7 year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I called in on XX/XX/XXXX to discuss my mortgage and escrow amounts in detail for at least 30-45minutes. 

On XXXX/XXXX/XXXX I receive a copy of my settlement statement from XX/XX/XXXX, this does not answer my questions. 

My escrow shortage seems extremely high They stated that my payment of {$2000.00} began on XX/XX/XXXX. 

I understood that a bulk of this was due to my homeowners insurance increasing. The escrow balance still does not make since for my loan payments to increase another {$500.00} a month. 

Furthermore, I am already struggling and received help from the state with a payment of {$12000.00}. 

My past due balance on XX/XX/XXXX statement states XXXX. Where is the rest of my balance from this payment and where is it being applied. These numbers are off for the escrow shortage as well as my payments due. 

It is not clear what is going on with my account an looks like money is being taken and egregious fees are being added to my mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or VW CREDIT INC customer service representative. 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-03 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: OR

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-03 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: OR

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am writing this letter to have the following information deleted off of my file.I am a victim of identity theft. I ask the items be delete and my credit report to be updated correctly. 
Ive reported the theft to the federal trade commission 's identity theft affidavit. 
Please resolve the problem asap.

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 2024-01-03 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: IL

Complaint narrative:
I submitted a complaint and the company responded and said that the vehicle was repossessed. However, this is inaccurate because I voluntarily returned the vehicle to a XXXX dealership. This should not be reflected on my credit report, and I request that the financing company remove this from my record.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I was traveling and was scammed by a vendor on the beach on XX/XX/. I bought two drinks and was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. Two drinks obviously do not cost {$870.00}.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc.
State: GA

Complaint narrative:
Greetings, Returning from the holidays, Ive received today in the mail a notice of repossession from Carmax Inc dated XX/XX/XXXX  pertaining to account # XXXX. On XX/XX/XXXX, Ive registered mail a negotiable instrument, ( registered security ) paying the balance in full, XXXX, delivered on XX/XX/23. Carmax Inc. has yet to reply, which is a violation of my consumer rights. 

Pursuant to the XXXX XXXX Codes for ex. UCC 3-603, 3-604, & Contract laws this is to inform you that you are in default of the above-referenced account number. 

Please be advised that I, XXXX XXXX, the holder of a certain promissory note/coupon dated XX/XX/XXXX  made by you in favor of me in the original principal amount of {$62000.00}. 
You are hereby notified that you have defaulted to honor the tender of payment that was sent to you in good faith. If I have made an error in endorsement, kindly return my negotiable instrument in which I may correct any sed errors. Would appreciate any instructions if need be to have this matter resolved. Its been almost three months without any notification or correspondence regarding the delivery. 

I also have attached a rescission letter, along with USC fair practices, for your review, as repossession is a violation of my consumer rights. ( see attachment ). 

Seemingly that is the only correspondence CarMax has been willing to express, Arbitration is not mandatory yet still can be filed if no compliance has been made. I Would like to work together to rectify this issue in a speedy manner, as I am very surprised Carmax Inc. chose to blatantly ignore and has not communicated regarding my security, leading now to threatening with notices of repossession. My main objective is to satisfy the public debt correctly and have this set off completely as PAID in FULL.

Ive protected myself by filing UCC1 in the state of Georgia, against all of my collateral including this vehicle. Lets please work on honoring the endorsement. Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report that have been inaccurately listed. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX Date Open : XXXX XXXX XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXXXXXX  Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. The accounts have been listed inaccurately using someone else 's information. Furthermore, it is a major error that they are listed as being 120 days late without first posting 30 days late. I demand that you verify all information for these accounts, including incomplete name spelling, address of record, and any other inaccuracies that may exist. If you are unable to remove these accounts from my credit file immediately, I will have no choice but to escalate this matter to the appropriate regulatory authorities. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
I the consumer do not have access to the XXXX application, it states my application has been cancelled meaning the Agreement between XXXX and I has been cancelled. Furthermore I do not have access to XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and there has been no email provided to me the consumer evidencing XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and my account has been closed. Regardless as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have giving you by way of XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure to disclose any of my nonpublic personal information provided by I the consumer to XXXX, any nonpublic personal information resulting from any transaction with I the consumer or any service performed for the consumer and otherwise obtained by XXXX. I am now asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information per the Gramm-Leach-Biley Act ( GLBA ) specifically 15 U.S.C. 6802. Failure to honor my Opt Out Notice is evidence of XXXX XXXX XXXX, depriving me of my right to Financial Privacy, as well as depriving me of my right to Equal Protection Under the Law.

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 2024-01-04 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:
I the consumer do not have access to the XXXX application, it states my application has been cancelled meaning the Agreement between XXXX and I has been cancelled. Furthermore I do not have access to XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and there has been no email provided to me the consumer evidencing XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and my account has been closed. Regardless as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have giving you by way of XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure to disclose any of my nonpublic personal information provided by I the consumer to XXXX, any nonpublic personal information resulting from any transaction with I the consumer or any service performed for the consumer and otherwise obtained by XXXX. I am now asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information per the Gramm-Leach-Biley Act ( GLBA ) specifically 15 U.S.C. 6802. Failure to honor my Opt Out Notice is evidence of XXXX XXXX XXXX, depriving me of my right to Financial Privacy, as well as depriving me of my right to Equal Protection Under the Law.

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 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: MN

Complaint narrative:
This number called me, claiming to be debt collectors. 
XXXX ( XXXX ) XXXX They told me I owed a debt from XXXX, past the MN statue of limitations ; but additionally it was not mine/not real. 

They had my SSN, address and claimed to have a copy of my ID. 
They were unable to tell me the details on my ID, because of a screen errror. 

I said " I've heard about scams like this ... '' The person immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
Good afternoon, I was checking today my credit report in Equifax and I realized that I have inquires that I dont recognize from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all of them are made the same day XXXX XXXX 

I require to be eliminated please. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation