vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX EST I booked a room online with XXXX XXXX XXXX XXXX XXXX using my Chase Prime Visa Card for an upcoming stay. I paid the full price for the room, {$310.00}, on XX/XX/XXXX which is both the date I executed the transaction and the date reflected on my receipt from XXXX XXXX. Per the terms on the XXXX XXXX booking page where I executed the transaction on that day : " The full amount of stay will be charged to your credit card immediately ''. 

I was enticed to use my Chase Prime Visa card for this XXXX XXXX transaction based solely on the fact that I had clicked upon, activated, and accepted a " Chase Offer '' which was available to me on my Chase Prime Visa card specifically for making a XXXX XXXX booking. But for this specific Chase Offer, I would not have used this Chase credit card for this particular booking, and would instead have used my XXXX credit card. 

The terms of the Chase Offer in pertinent part read : " Earn 10 % back on your stay at a XXXX XXXX branded hotel when you spend {$100.00} or more, with a {$32.00} back maximum... Offer expires XX/XX/XXXX. Offer valid one time only. Complete payment for your stay must be made by XX/XX/XXXX. '' Though I have clearly fulfilled all the terms of this offer as extended to me and accepted by me on XX/XX/XXXX, Chase is denying the money owed as a statement credit due to whatever the internal processes/ interactions that occur between the merchant and banking entities on the back end of this particular transaction that caused it not to show on my Chase account until XX/XX/XXXX, 11 days after I had paid the full amount for my stay per the terms outlined by XXXX XXXX on the booking page as well as per the terms of the Chase Offer. 

The idea that I, as a nave consumer who has followed all the rules and lived up to all the terms extended to me by both of these multinational corporations, should be penalized for whatever Byzantine processing delays caused this transaction not to filter through to the Chase side until 11 days after I executed this transaction is utterly preposterous. Nowhere in the terms and conditions of the Chase Offer is there any sort of language indicating that any scenario like this might jeopardize the statement credit. 

How far ahead of time would a consumer need to execute their transaction in order to fulfill the terms of the offer in such a scenario? Clearly, its 11 days or more. Is it 20 days? 30? If the consumer needs to execute the transaction 11, 20, 30 or more days before the expiration date in order to receive the statement credit due to them, this needs to be explicitly communicated in the terms and conditions of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an inaccurate account on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLIPHANT FINANCIAL, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
Two incidents happened with this mortgage servicer - Fay Servicing. 
1. I made an on time payment in XX/XX/XXXX. It was received by Fay Servicing 1 day before the late date [ late date = XX/XX/XXXX ]. I have a date-stamped check proving that it was received by the company in time. I presented this information to them and they did not remove the late fee. Instead, they are assessing a late fee because their internal processing or payments takes a few days. That is not my fault, nor can I control anything that transpires inside Fay Servicing. I submitted my payment on time. 

2. I called Fay Servicing today because.. 
a. the website did not accept my username so I couldn't log in. Fay 's response was that I need to reset my password. My reply to that is that I can't log in, even with a new password, if the system doesn't allow me to use my username. I clicked " forgot username '' ( which I didn't ) and was sent an email with the username that I've always used. Fay 's reply was that they can't do anything and they have no department that fixes things like this.

b. I wanted to make sure my municipal taxes were scheduled to be paid on time so I called them. Fay has my tax due date in their system as XX/XX/XXXX, but the due date is actually XX/XX/XXXX. They said they can't change it because their screen says XX/XX/XXXX. I texted a photo of the tax bill showing the correct due date as XX/XX/XXXX. ( They said I couldn't email them ; only txt. ) They did not believe me and instead said they looked up on the municipal website to see that they can pay the bill on XX/XX/XXXX. The bill is DUE on XX/XX/XXXX and interest is added in 1 month increments BEGINNING XX/XX/XXXX. Fay said they won't be changing the due date in their system. My taxes have been paid very late a number of times in the 6 years that I've had them as my loan servicer. My homeowners insurance was also not paid until it lapsed twice. This means that I didn't have insurance coverage during that lapsed time period. Fay Servicing doesn't pay things on time and doesn't admit it when they make mistakes. They focus on getting that extra 2 days float with our money while customers suffer the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: IN

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

17. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX  XXXX bankruptcy dispute submitted on XX/XX/2023. I received a letter from Lexis Nexis dated XX/XX/2023 and the letter states the information in my dispute was validated. Per reaching out to the Bankruptcy Courts via letter per letter they do not report to any credit reporting agency. Which means that Lexis Nexis couldnt have validated the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-26 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: FL

Complaint narrative:
I was reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
When my balance was non sufficient I received charges and was told that nothing could be done. Sometimes there were pending deposits made through the ATM

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
GoodYear account was opened with identity theft. Fraud alert and credit freeze was placed on XXXX, XXXX and XXXX. I tried to call the number on the credit that came in the mail and I am not able to speak to anyone in English. The phone number XXXX will ONLY connect to XXXX  speaking and when asked to be transferred to Fraud Department and speak to someone in English the call is disconnected on multiple occasions. 

I received a letter in the mail on XX/XX/2023 from the Citibank Early Warning XXXX XXXX XXXX XXXX XXXX, SD XXXX regarding Re : Application Number XXXX with a phone number for the Fraud Verification Unit XXXX when I called there again very broken English and the woman refused to transfer me to upper management and/or someone else so that I resolve this. She refused to provide her ID number in order for me to cancel the credit card and for me to report that it was a fraudulent account. The woman only gave me a first name XXXX. She demanded my personal information and social security information that I refused to give her in order to cancel the card. The card was NOT opened by me and there is a XXXXXXXX XXXX limit on 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Honda finance illegally repossessed my vehicle I had to pay XXXX to get it back and could not understand the bill but paid it anyway. The bill consist of multiple XXXX XXXX under my vin however the vehicles in the photo were not mine. This caused me a hardship on my bills and they refused to hear me or fix it. Two months after I got the car I ended up in repossession again with XXXX on bill. Again not understanding why the bill was so high. I decided to not get the car back and allow them sell it since they would not help me or fix these mistakes causing me billing issues. I allowed them to sell the car in XX/XX/XXXX. However today is XX/XX/XXXX and the company honda finance is still continuing to bill me. I am still receiving bills as if I have a contract with them and XXXX XXXX as though someone is riding around with the vehicle still and I can not understand why. When I call them they say I have an account with them but I do not. Honda wanted to buy my lease back and I refused to do they created a hardship on my account to the point I could not afford the bill. Even after I let the car go they are still billing me affecting my license now I would like to send my evidence and sue them in court. I have enough evidence now to say they purposely caused me financial hardship because they wanted their leased vehicles back one way or the other. I can prove this. the evidence is overwhelming there is no way I wont prevail. I begged them to stop and they didnt. Now I will defend my name because my license is all I have. They are wrong. I had a XXXX XXXX. Not any other car why are they billing me other peoples info under my vin. Why am I still receiving bills with honda finance?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX XXXX ). After sending Dispute Letters with FTC report and complaints here in CFPB this negative item is STILL reporting and my complaints have NEVER been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding this fraudulent item for assistance to remove it from my credit report immediately.

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