vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I filed a dispute with Chase VISA regarding a charge that was misleading from XXXX XXXX ( {$520.00} on XX/XX/XXXX and XX/XX/XXXX, split in two ). The hotel advertised ( XXXX XXXX XXXX XXXX, XXXX ) that I was paying extra for a " high floor '' in a 21 story hotel. I was given 8th floor and told " high floor '' means 6-10. There was no indication of this when making the reservation and prepaying. The hotel nor XXXX didn't offer me a refund of any type, partial or otherwise, so I dispute the charge with Chase. Chase said it was valid. When I asked them to re-open it because they didn't address the issue of the misleading/fraudulent advertising, they sent a letter saying it was a valid charge based on the receipt from the hotel- not addressing the issue of a misleading advertisement and charge for a " high floor '' room in a hotel that was 21 floors. XXXX told me that the individual hotel is responsible for what they post on the XXXX app, where I made the reservation and payment from. T The complaint is because of the failure of Chase to help with the dispute, not addressing at all the fraudulent advertising ( I sent them copies of the app screen that says " high floor '' without indicating it would be the bottom half of the hotel! ) BUT also, in their letter, they said they were reporting my disagreement with their dispute finding to four credit agencies ( and they provided the names and addresses of each ) who may not file it correctly. I experienced this as an intimidation or threat to not re-open the dispute again as it could impact my credit (! ), despite Chase not addressing the issue of the fraudulent advertising by the hotel when I made the purchase. 

My understanding is that credit agencies don't deal with customer disputes- especially as my credit card bill is up to date, has never been late, and I have not refused to pay this charge. In fact I have outstanding credit ( over XXXX ). 

So my complaint centers around Chase : 1. Not adequately addressing the substance of the complaint 2. Attempting to intimidate me by claiming that any disputes around charges ( regardless of payments made to Chase ) are reported to credit agencies- which of course, any consumer would be concerned about " reporting to credit agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-21 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A check I mailed via the UPSP was stolen and someone altered the check significantly-wrote over the name of the original payee which was a business-and changed it to an individual 's name and also altered the dollar amount from {$550.00} to {$5500.00}. When I noticed the discrepancy via my online banking access, I contacted my bank-Chase-who submitted a claim on my behalf. I was told the check was negotiated at Bank of America. The alteration was so blatant, I could not understand how the bank negotiated the check. I also submitted a claim with the US Postal Service. My bank told me that I would have to wait up to six ( XXXX ) months for Bank of America to process the claim and there was no guarantee it would be reimbursed. I can not understand why I must wait that amount of time for Bank of America to reimburse funds for an error created on their end. I am a small business owner and the amount taken from my account is creating a financial hardship. It is unacceptable that I have to wait that long a period of time to have my funds reimbursed.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-03-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ROYAL UNITED MORTGAGE LLC
State: IL

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX from Royal United Mortgage company has been calling and texting me repeatedly to obtain my signature for approving a reverse mortgage on my parents home. 

I told her in XX/XX/XXXX I was not interested when she called me. She then texted me and I asked her to stop. 

Now in XX/XX/XXXX, she called me 6 times within one day. She then texted me multiple times with the last text offering me {$41.00}, XXXX. She continued to text me even after I sent the " STOP '' response to the text. 

She responded that she " prays that I get all of the information so I do not regret ''. 

Why is this unsolicited harassments allowed? This must stop. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Driveway Finance Corporation
State: DE

Complaint narrative:
I am writing to express my extreme dissatisfaction and lodge a formal complaint regarding the repossession of my vehicle without prior notification and the subsequent closure of my auto loan account by your company, Lithia/Driveway Finance . This action has not only caused significant inconvenience but also appears to be in violation of both Delaware state laws and federal regulations governing repossession procedures and consumer rights.

On [ Date of Repossession ], I discovered that my vehicle had been repossessed without any prior warning or notification from Lithia/Driveway Finance . Despite being a diligent and responsible borrower, I was not provided with any opportunity to rectify any potential issues with my account or explore alternative solutions to prevent repossession, as mandated by Delaware law Delaware

Code Title 6, Chapter 9, 9501 et seq. Furthermore, it has come to my attention that I was not informed of the auction where my vehicle was to be sold, depriving me of the opportunity to reclaim my property as permitted under Delaware law Delaware Code Title 6, Chapter 9, 9531. This lack of transparency and failure to adhere to legal requirements not only violates my ri
ghts as a consumer but also demonstrates a blatant disregard for ethical business practices.

Additionally, I must emphasize that the closure of my auto loan account without providing proper notice or opportunity for resolution is unacceptable. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, creditors are required to provide consumers with written notice before taking adverse actions, such as closing an account, and must furnish accurate information to credit reporting agencies. Failure to comply with these regulations may result in the removal of any adverse credit reporting associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a Wells Fargo account. My account went negative due to its inconvenience in my city, its far for me to go deposit money. Once I finally had the time I saw my account no longer existed. I went in person to pay the overdue balance in full ( {$130.00} ) cash at XXXX XXXX XXXX branch in XXXX. I was then sent a letter telling me I still cant have my account back.

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 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LYON SERVICES CORPORATION
State: FL

Complaint narrative:
I am the owner of a XXXX XXXX XXXX XXXX XXXX XXXX We have a legally binding contract with a homeowner to build a swimming pool provided that can get a direct to contractor pool loan using Lyon Financial as their lender. Pursuant to the contract the homeowner provided the {$3000.00} contract acceptance payment check to go forward based on the verbal approval we received and the notice they received from Lyon Financial that they were approved to be funded for the pool. The loan approval was supposed to be entirely based on the homeowner 's credit, nothing to do with us the pool builder as we have worked with Lyon in the past and completed the project, have been in business for over 20 years and have built hundreds of pools, and since we are not borrowing the money the homeowner is. We profit once the project is complete and we are paid in full. Lyon Financial prides themselves in being this perfect and easy to work with lender, that couldn't be anything further from the truth. Not only do they provide a direct to payment contractor under the most aggressive and unbalanced payment terms whereas we have to build 100 % of the pool using only XXXX 25 % payments after we have already designed, planned, permitted, excavated and have the concrete pool structure in place all out of pocket, no material and work in place up unto that point can be paid for due to the funds paid from Lyon Financial have to be used to further and finish the project, Lyon Financial can remove money from your account at will, arbitrarily, and to add insult to injury after working with Lyon on ( XXXX ) pool build, I voiced my opinion, XXXX XXXX decided to terminate my business as a dealer and then XXXX XXXX XXXX, and XXXX XXXX of Lyon Financial made us reapply to supposedly to only update our records to re-open the dealer account only to then turn down our business based on the fallacy of my personal credit worthiness, to which I never provided a social security number and non-existent negative business reviews and/or non-existent unresolved XXXX XXXX XXXX complaints which is all part of this credit discrimination that I am filing this complaint about. I have reached out to them to verbally and via email to reverse their credit discriminatory decision to no avail. We stand to lose of {$30000.00} plus is lost profits because of Lyon Financial 's credit discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
According to FCRA 605B, it's imperative to eliminate any incorrect accounts from my credit report. Could you please assess the documents? There are inaccuracies present in some of the listed accounts ' reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX the date this account was open and the amount on there is {$630.00}. On XX/XX/XXXX another account was open and the amount on there is {$15.00}. I sent letters during my XXXX XXXX XXXX XXXX with documents of my XXXX, telling the companys that these are fraudulent activities and was not authorized by me, letters was sent to the credit bureau and to the companys that been reporting these information on my profile, the companys never responded and the credit bureau never took these activities off my credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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 Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( XXXX  ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : Account name : 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 XXXXXXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account.

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.

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 2024-03-21 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 Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( XXXX  ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : 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 XXXXXXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account.

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX we requested a transfer of funds form our Merrill account. As instructed we filled out the form for a one-time non-retirement distribution. The fund was to be wired to our account in XXXX XXXX. It has not happened. We have called multiple times, assured it would happen, and it has not. We have not got a clear explanation why nor offered any remedy. 

We could provide the document that we faxed to them but the instructions above say not to include the information it would contain. This would help the company identify our account and do something but the instructions say do not include such information.

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