vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I purchased a pair of XXXX Headphone from XXXX in early XXXX, 2024. This was XXXX # XXXX. I returned the headphones because they did not function correctly. XXXX acknowledged receipt of said headphones, but failed to initiate a refund of over two weeks. I then filed a chargeback with Chase. Chase initial provided credit. However, Chase then rescinded {$55.00} in credit had provided, citing a credit XXXX had provided for an entirely separate transaction. The {$55.00} credit XXXX had provided was for XXXX # XXXX. XXXX never provided credit for the headphones I returned, despite repeatedly acknowledging receipt of such. Chase has a conflict of interest in that it that XXXX is an account holder, and Chase has many investments in XXXX. Thus, Chase has an unpublished policy and practice of denying chargebacks in XXXX 's favor, despite obvious evidence to the contrary in the cases in which is does deny meritorious chargebacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: OH

Complaint narrative:
XXXX XXXX, XXXX and Experian, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent an update of information letter to all XXXX credit reporting bureaus on XX/XX/2023 to remove inaccurate information and still at this time all XXXX are reporting false information on me.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent an update of information letter to all 3 credit reporting bureaus on XX/XX/year> to remove inaccurate information and still at this time all 3 are reporting false information on me.

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 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I missed a mortgage payment in XX/XX/2023 because I had to get a major car problem fixed and on top of that my XXXX XXXX XXXX XXXX XXXX XXXX ; I still make payments but just not on time and Im a couple months back and willing to do anything to get my account back current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did an investigation on my credit report and found several items in there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is violating my consumer rights. 
They are fraudulently letting XXXX XXXX XXXX XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on Experian for failure to investigate as Im a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filing out form 3949 -A information referral for unreported income since Experian gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX XXXX XXXX isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lenders and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I havent been able to sleep at night due to the finally and emotional harm these 2 companies has caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.

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 2024-03-30 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XX/XX/year>, I used PayPal Credit to purchase an XXXX purchase for a XXXXXXXX XXXX XXXX Mascot headdress. {$850.00} was charged to the online credit account. Prior to the purchase, I corresponded via XXXX 's messaging system with the online store proprietor on what I wanted and expected. See all attached documentation. To summarize, I did not get an XXXXXXXX XXXX XXXX Headdress. I received an ugly and ridiculous green monster head that did not function as expected. I tried to resolve this with the merchant but she was more interested in keeping my money than making me happy. I eventually opened a case with PayPal to dispute/mediate the matter. I supplied PayPal with all of the messages between myself and the merchant. PayPal resolved the case in favor of the merchant because they claim they asked me for additional information and I never replied. I never received a request for additional info. I couldn't give them additional info anyway since I gave them EVERYTHING they needed to make an informed decision including pictures. I was not happy about the decision and PayPal suggested that I dispute it with PayPal Credit which issues the credit line. I initiated the dispute with them and sent them the same exact information. PayPal Credit did a temp reverse charge and the merchant reached out to me and threatened me and my family. I filed a police report to reflect this. The XXXX 's husband/brother actually was stupid enough to leave text messages. Case # XXXX. The investigating Officer even said I should get my money back once he saw the sub standard and defective headdress I received. 
Please refer me to a consumer attorney if we can not resolve this quickly.

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 2024-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
We started to contact Ally Bank Lease Trust 3 months ago to discuss the our options and to receive periodically buy out quotes. On XX/XX/2024 we sent the total amount due via bank check from our credit union. This payment was overnighted and signed on XX/XX/2024 at Ally 's processing center in Kentucky. We followed up via chat service and we were told the Ally was holding funds because the did not work or recognize the bank we sent it from. We have been asking from the start of this process for an expedited title because we are waiting on another vehicle that we may lose the deposit and transfer fee on. Allys policy on this method of payment is a 4 day process to mail us the title of the vehicle we would like to purchase. Ally changes policy and end dates almost every conversation and does not make this process easy or comfortable for us the consumer. I have asked numerous times for a designated representative to help us with this process, XX/XX/2024 I had asked again due to the sensitive timing on this vehicle pay off. I was told last week on XX/XX/2024 that We should have received a 120 day out packet on the lease end process. This was never sent either by mail or secure message. I requested the packet and any lease documentation to be sent to us. Messages are sent 3-5 days after request. The only paperwork we have received is our initial lease agreement. We have also never been late or missed a payment to this company but we feel penalized for trying to pay off this lease. At no time has this company tried to help us or given us any direction in finalizing this matter. We will never work with this institution again and can not believe that they do not do wire transfers and quicker title releases.

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 2024-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans union, XXXX and XXXX, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, Equifiax and XXXX, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX. ) XX/XX/2024 for the amount of {$140000.00} action requested reservice loan XXXX. ) XXXXor the amount of {$110000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan A. ) I spoke to a Loan Manager named XXXX and she claims that Chase Bank/Chase Auto is not governed by Truth in Lending Act and Equal Credit Opportunity Act that derived as a violation of false and misleading information by itself. 

B. ) An inquiry mark on my credit report was brought to the Loan Manager 's attention that there was a credit transaction that occurred without me being compensated. I explained to the Loan Manager 's attention that the social security number was given to Chase Bank/Chase Auto for the specific purpose of obtaining possession of the vehicle an that the credit pulled from card needed to be cured and that it was a Unauthorized Use of Credit. Injury is caused by not giving equal exchange and opportunity by leaving inquiries lowering credit score. 

We believe in good faith that Chase Bank/Chase Auto is acting under racial and national origin discrimination as a result of a habitual pattern of five occurrences of racial and national origin discrimination adding unreasonable prohibiting factors. In result of the habitual pattern, Chase Bank/Chase Auto is also in violation of Discouragement.

Chase Bank/Chase Auto also failed to disclose the compensation of the credit transactions given to third party causing another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 and XXXX XXXX XXXX XXXX XXXX XXXX are not complete and not accurate.

[ XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXX XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX : # XXXX ] this account is not accurate and is result of fraud. [ XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: MI

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and not accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX  this account is not accurate and is result of fraud. [ XXXX XXXX XXXX XXXX XXXX  this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo reported to CFPB that they have responded to case XXXX  XXXX. They have not. XXXX XXXXXXXX XXXX XXXX  ) from the executive office XXXX promised to resolve issue by XX/XX/XXXX and again by XX/XX/XXXX but did not and has not responded or responded to telephone call. 
Despite being assessed hundreds of millions of dollars in fines by the government, Wells Fargo 's abusive customer service culture continues.

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 2024-03-31 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX is violating my consumer rights. 
They are fraudulently letting Jefferson Capital SYST XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on XXXX for failure to investigate as Im a federally protected consumer. I will also be reporting both XXXX and Jefferson Capital SYST to the IRS filing out form 3949 -A information referral for unreported income since XXXX gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that Jefferson Capital SYST isnt allowed to do business in my state. If the account isnt removed in 30 days, XXXX also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lenders and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I havent been able to sleep at night due to the finally and emotional harm these 2 companies has caused. I know that Jefferson Capital SYST pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I spoke with a Equifax manager on the phone XX/XX/2024, and he advised me that I would have to wait XX/XX/2024 for XXXX XXXX to fall off even though I kept stating that all debts with XXXX XXXX were paid in full. XXXX XXXX rep informed me that documents were sent to all 3 credit reporting bureaus on XX/XX/2024 and I would see the hard inquiry disappear from my credit reports. Equifax is showing that I still have XXXX XXXX hard inquiry. Please remove/delete both hard inquiries at the earliest possible time.

Company response to consumer: Closed with explanation