vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Unreasonable Forfeiture of Itinerary Value by Chase Travel Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chase Travel regarding an unreasonable forfeiture of itinerary value during a flight change process. Here are the details of my case : Flight Booking and Change Request : Original Booking : XXXX XXXX XXXX flight from XXXX to XXXX on XX/XX/XXXX, booked through Chase Travel for {$830.00}.

Change Request : A few days later, I decided to change the flight date to XX/XX/XXXX with the same departure and arrival locations and the same airline. The new flight fee was {$730.00}. 

During the change process on the Chase website, the system informed me that the fare difference of - {$100.00} would be forfeited. The payment summary stated, The modified trip costs less than the original itinerary value. The remaining value cant be applied to any airline change fees and will be forfeited. 

Communication with Chase Travel Specialist : Date : XX/XX/XXXX Time : XXXX XXXX Outcome : The operator read Chases policies and rules and informed me that I am not allowed to change to a lower fee flight and can only change to a flight with a higher fee. 

Complaints : XXXX. Unreasonable Forfeiture of Itinerary Value : Chases policy of confiscating the difference in fare when changing to a lower fee flight is unreasonable. Customers are required to pay an airline change fee, and when changing to a higher value flight, we need to pay the difference. However, when changing to a lower value flight, Chase does not return the difference nor apply it to the change fee, which is unfair to customers. 
XXXX. Lack of Transparency in Policies : During the booking process, Chases rules and policies do not adequately cover the scenario where a customer changes to a flight with a lower fare. The system only reveals this policy of forfeiture at the final step of payment during the flight change, which is not transparent and misleads customers into making decisions without full knowledge of the consequences. 
XXXX. Inconsistency and Miscommunication : Chases rules and policies are unclear, leading to inconsistencies even among their employees. The operator, after reading the rules, informed me that changes to a lower fee flight are not allowed. This contradicts the systems allowance of such changes, creating confusion and frustration for customers. It is unreasonable that Chases system permits the change but then imposes a forfeiture, which was not communicated upfront. 
XXXX. Potential Price Fluctuation Impact : Airline ticket prices fluctuate frequently. Currently, the price for the flight on XX/XX/XXXX is {$730.00}. I request Chase to address this matter promptly. If the resolution time is prolonged and the ticket price increases, I expect Chase to cover any additional costs incurred due to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I have unauthorized accounts on my report I do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-29 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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-07-29 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: CA

Complaint narrative:
PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX below are the Inquiries that are being challenged : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: ID Analytics, Inc.
State: GA

Complaint narrative:
This is NOTICE to SageStream to stop administering the XXXX XXXX XXXX XXXX and remove all data from your databases, and stop sharing and receiving non public information with non affiliated XXXX parties ... SageStream LLC does not possess written consent or authorization from XXXX XXXX and is violating the PRIVACY ACT. and Copyright Laws. 

I am the only authorized representative and lawful Executor/Administrator/Representative to the NAME, which is an ASSUMED NAME, XXXX XXXX ( see attached ) SageStream LLC does not possess any Signed Social Security Administration form SSA-89 giving SageStream legal and lawful authority to use and share this non public information. 

See attached fee schedule in the case that SageStream LLC wishes to further engage and do business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently obtained my credit report from all the bureaus and noticed hard inquiries that I do not recognize. I only opened a Chase personal card this year, so the inquiries from previous years and some of this year are unfamiliar to me. 

List of dates where this hard inquiries made to JPMCB CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was looking at my credit report on XX/XX/year> online and I found a hard credit check on my credit report from Bank of America from XX/XX/year>. I called Bank of America fraud department and was told unless I gave them my social security number they were not able to give me any information. I refused to supply them with this information. I asked them why would they have done a credit check on my credit when I never applied for a credit card. I told them I never authorized this and they caused my credit number to decrease by XXXX points. They continued to refuse to give me any information since I refused to give them my social security number. I informed them that if they had run a credit check already on my credit report they should have that information and I wasn't going to give them my social security number. This person insisted that unless I gave them my social they were not at liberty to give me any information. Once I hung up with them and notified my bank to get information on how to proceed. My bank informed me to call experian which I did today XX/XX/year> at XXXX XXXX and spoke to the Fraud department representative name XXXX. She informed me that once she was done with her report that it would be in my best interest to notfy I was to notify my local police department and report this as a fraud. She also informed me to notify the Federal Trade commission as well. While I was speaking to XXXX from XXXX she found that a hard credit check was done on my physical address with a different city and town in the XXXX. I don't live in the XXXX. Once I was done talking to XXXX I notified our local Sheriffs office and spoke to XXXX XXXX badge number XXXX and case numbser XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX as well as XXXX XXXX I didnt give written consent for my information to be furnished to the credit agencies. I need these inquiries removed immediately from all three major credit agencies Experian, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information 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
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/year> I received a voicemail message at XXXX XXXX from XXXX. 
I returned the call to XXXX on XX/XX/year> at XXXX and was on the phone for 7 minutes with a male agent. He looked up my account, confirmed with me it was for my XXXX XXXX, and that the last payment made on the account was {$1500.00} and that I no longer had an outstanding balance, and it was paid in full. I said, are you sure because you guys left me a message saying I owe you money. This was a lease, I turned it in to the broker/dealership, and I was under the assumption everything got paid. He said, yes, I show no balance. I said, great, then can you send me a paid in full letter, he said yes, verified my address, put me on hold and then came back and said the letter was sent and I would receive it in 7-10 business days. 
I then received a letter on XX/XX/year> saying I owed XXXX and if I didnt resolve it in 10 days I would be sent to collections. 
I called the number on that letter XXXX on XX/XX/year> at XXXX and spoke to XXXX XXXX and explained everything above. She told me she had no record of the call made on XX/XX/year>. I told her I do have a record ( and I still do ). She indicated to me that she would put any actions to my file on hold until XX/XX/year>. She did this as that was the maximum amount of time it would take for the 7-10 business days to pass since the letter was sent. I agreed I would call back on the XXXX regardless of having received the letter. 
On XX/XX/year> I received a call from XXXX XXXX at XXXX and was asked to pay the XXXX. I asked her to please read the notes on the file and she told me the account can not be put on hold and that I was given the incorrect information by XXXX XXXX. I let her know that I received the paid in full letter the night before. She then asked me to send that letter to the recovery department email. Id did that and provided the letter that stated my account was paid in full. 
I did not hear back from her, so I called in and spoke to an agent named XXXX who said he cant transfer me to her, only send her a message to return my call. She didnt call back. I called in today and was told by XXXX XXXX that my account has a note on it that I have retained counsel ( I have not and they have received no such information ) and so no one is allowed to speak to me on my account. I need this resolved ASAP and am going in circles with Ally. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: GA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Unified Global Solutions LLC
State: MO

Complaint narrative:
I was notified via text message from Unified Global Solutions that they were going to Sue me if I dont make payment to them for my XXXX XXXX XXXX installment loan. On XX/XX/XXXX I set up arrangements. On XX/XX/XXXX my wife called to set it from biweekly to monthly at XXXX XXXX  and spoke with XXXX who said it was changed to Monthly. They took out money again on XX/XX/XXXX. When she contacted them on XX/XX/XXXX they said there was no documentation of her calling and that XXXX didnt speak with her. She has all this documented. I then called them back and they said they again changed it to monthly with no confirmed documents.I tried to research the company to obtain a website with no information. They said a refund would take 90 days as they dont know how it works. I have disputed the charges with my bank but feel that I have definitely been taken advantage of and scammed as well as the company violating my rights with the threats and falsification of an employee. When you call them they dont even use a business name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America froze my account due to an error of fraud on their part. All of my accounts and money have been frozen even though they have known there was no fraud per the owner ( multiple times ) of the check I deposited. It has been 5 days and they have known the {$35000.00} check was not fradulent even before they frozen the accounts. They can't seem to reverse their own error in the system.

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