vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
It has been a couple of years since I worked with a debit repair program. Ever since I have only had a XXXX card with a low credit limit which I did not include in my Debt repair. During this time I have used this card and paid off my balances each month. 

In XXXX I was looking to book 2 tickets to XXXX. Every time I looked at Southwest Airlines, there was an offer from Chase. The promotion was earn XXXX miles and a companion pass after 3 months. I resisted the urge to apply even though I had been wanting a card that earned miles to make travel affordable for my family. I continued to look for flights, every time seeing this same promotional offer. I was even emailed the same offer. When I finally booked my tickets, I decided to apply for the offer. I had some big purchases I needed to make, ( and the money to pay for them ) and I knew I could make the 3 month spending requirement for the offer. While I was applying, I returned to the original page 2-3 times to make sure I clicked in the right place and was applying for that specific promotion. Every time I clicked on Apply in the promotion banner, the information I had already entered was still there, so I submitted my application. I was approved with a high interest rate and {$3600.00} credit limit. I felt confident I could pay my balances each month and could avoid the interest. 

About month into having the card, I emailed Customer Service to ask them if I paid my balance before the billing cycle ended, would the balance still count toward the offer of XXXX miles and a companion pass. The customer service rep responded and informed me the promotional offer I mentioned was not the promotion I was given. Instead I was given a {$200.00} credit and XXXX miles after the first month. I would not have applied for a card with that promotion, and I never saw a promotion with a {$200.00} statement credit and XXXX miles. The rep apologized for the confusion and asked that I send them an offer code or an email with my name on it that shows the promotion I believed I had applied for in order for them to match it. I sent pictures of the promotional offer in my email with my name on it. The next response, was that promotion had expired and there is nothing they can do. I emailed again and said it was not expired when I applied for my card, and I would not have applied if I didn't think I was earning XXXX points and a companion pass. I asked them to show me in the Credit Card Terms and agreement where it says the applicant is not guaranteed the promotion they apply for and promotions are subject to change even in the middle of the application process.

So now I have a new high interest credit card that I don't even want anymore because of their bate and switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XX/XX/20 I deposited a cashiers check for {$29000.00} which had been sent to me to purchase XXXX. The bank froze the account. XXXX XXXX XXXX contacted XXXX in the fraud department and he decided it was part of a large scam involving stolen money. This is not true. The money was not stolen and there is no fraud. XXXX told me he would find the rightful owner and I wasn't to bother him. I had been calling him regularly. He threatened to involve the XXXX XXXX if I bothered him again. He offered no explanation for his decision on this. He became quite rude. That money has been held for no good reason.

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 2022-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX  ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Amount {$700.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The JP Morgan Chase Bank Credit Card Account XXXX in XXXX is non-compliant to the adjustment the CARES ACT made to the FCRA laws surrounding reporting : Please refer to the CARES ACT information affecting this inaccurate late payment. It was pulled from the XXXX website, entitled : XXXX XXXX and Scores Under the CARESACT. '' The article is located at this web address XXXX XXXX XXXX XXXX  # XXXX This alleged late payment falls under the CARES ACT : The Card issuer was contacted in early XXXX, and they agreed to provide me a fee reversal due to COVID-19 Hardship. I learned on, XX/XX/XXXX, The reversal was not posted to my account as they agreed. I contacted the card issuer again on XX/XX/XXXX, and they stated that the fee reversal would again be provided to me. The fee reversal represents an accommodation as defined by the CARES ACT. It falls under the stipulation that the creditor provided me with relief due to COVID-19 hardship. Thus must delete the LATE status reported in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries New American from XX/XX/XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TX

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries XXXX XXXX from XX/XX/XXXX Credo from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 2020

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 2022-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 
States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXt, Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 
States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Durham & Durham, LLP
State: GA

Complaint narrative:
I wasn't aware of this date Not even the service And I definitely have insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I have disputed inaccurate/ incomplete information that the creditor is reporting on my credit reports through the credit reporting agencies and directly with them by citified mail. American express stated they did a complete investigation and updated my report but the updated information being reported is still false and incomplete. This account is to old to be reporting any negative information on my credit reports and is past the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Afterpay US Services, LLC
State: MO

Complaint narrative:
Hello. I made a purchase on XXXX for a XXXX XXXX XXXX XXXX in-store at XXXX using my AfterPay ( order # XXXX ) for a total of {$200.00}. 

1. I returned part of the the order XX/XX/XXXX at XXXX in-store. ( Refund of {$75.00} ) 2. I have both copies of the original purchase and a copy of the refund receipt. 

3. I contacted AfterPay via their online app message center on XX/XX/XXXX telling them the return was not given. 

4. XX/XX/XXXX AfterPay wrote back Please note it can take anywhere within 5-7 working days for these funds to clear into your bank account once the refund has been processed by Afterpay. 

5. On XX/XX/XXXX, I contacted the retailer in-person about not receiving a full refund and they sent me a response stating they did in fact give me a full refund. The retailer said I should to contact AfterPay to troubleshoot the refund issue ( see attached email from retailer ). 

6. On XX/XX/XXXX I wrote AfterPay again via their online app stating its been since XX/XX/XXXX and I have yet to receive my refund and that the retailer provided copy of their investigation and its shows they did process my refund. The retailer said I should to contact AfterPay to troubleshoot the refund issue. 

7. XX/XX/XXXX AfterPay responded Upon reviewing, we havent receive any refund from the merchant. Please be advised that the merchant have full control on their return and refund policy. Kindly contact the merchant to make a follow up or to check the status of your refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
My surge card application took ALL of my personal information before denying me. I dont appreciate my information being in their system to use or sell. 
I am reporting them to XXXX  AND XXXX XXXX. 
Most companies ask for the last four digits of our social, not the whole umber. 
I was XXXX  to give the info in the first place and I dont care that I was denied the card, but you have private info of mine and that is a BIG PROBLEM.

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 2022-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account ending XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from XXXX, transuinion and XXXX are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX  XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments

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 2022-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account ending XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from XXXX XXXX and equifax are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account ending XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from experian, XXXX and XXXX are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXXXXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments

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 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase XXXX card. I booked travel for XXXX of XXXX ( itinerary # XXXX ) through Chase XXXX using points. The total point amount I spent was XXXX which amounts to {$1800.00} in USD. 

I canceled my flights due to XXXX and followed up over the next year to check in on the status of my refund. First, XXXX XXXXXXXX XXXX would only offer a voucher. Then, Chase confirmed they were able to refund the cost of my trip in full to the original form of payment in XXXX ( see attached documentation ). I confirmed with XXXX separately they had processed the refund back to Chase. 

I have called Chase 7-8 times in the last two weeks alone, and been transferred to different individuals who talk to me using the same script. I have been told to wait 72 hours so that they could process my refund. I have waited this arbitrary wait time twice and no amount of money/points has been refunded back to my account. I called again Monday, XX/XX/XXXX and was told to wait 72 hours. I waited that time and tried calling again today, XX/XX/XXXX, and spoke with the XXXX customer service based here in the XXXX. I was told I could only be helped by the XXXX Rewards center or by the travel department even after I mentioned I was interested in closing my accounts. Once transferred, I asked when I could expect to see my refund appear in my account as I have been waiting for months and have been given no ETA. 

I have been hung up on, transferred to other people who work off a script just to stall conversations, and told to wait arbitrary wait times for resolutions that don't come. I just want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
1 of 1 Credit Credit Monitoring Alert Negative Account Change Creditor ALLIANCE COLLECTION AG XXXX XXXX ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX company never sent me anything at all just states i have debt straight to credit angencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMCB - CARD SERVICE is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

Company response to consumer: Closed with explanation