vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to formally appeal the denial of my trip cancellation insurance claim for my hotel booking scheduled for XX/XX/year> to XX/XX/year>. My reservation was booked through Chase travel, and I was due to check into XXXXXXXX XXXX  by XXXX XXXX XXXX at XXXX on this date. Unfortunately, due to an unforeseen incident, I was unable to proceed with my travel plans as scheduled. 

From XX/XX/XXXX to XX/XX/year>, I was in XXXX and planned to drive to XXXX on XX/XX/XXXX. On XX/XX/XXXX, my car windows were smashed, and items from my car were stolen. This incident rendered my car unsafe and illegal to drive on the highway, as broken window fragments posed a serious hazard. Given this unforeseen circumstance, I was compelled to remain in XXXX for two additional days to repair my vehicle. This delay directly resulted in my inability to check into the hotel as planned. 
According to the Chase Sapphire Reserve Benefits Guide, trip cancellation insurance provides coverage for " severe weather, XXXX action, or other covered situations. '' While the incident involving the vandalism of my car falls under the category of " unforeseen and unavoidable circumstances '' which severely impacted my travel plans. The policy also specifies coverage for situations out of your control, and the vandalism incident directly meets this criterion. Furthermore, the policy mentions that trip cancellation benefits cover " non-refundable travel expenses '' when " a covered loss '' prevents you from completing your trip. The inability to use my car due to the damage sustained is a direct impediment to my travel, thus qualifying as a covered loss. 

To further illustrate my point, I would like to refer to the Chase Trip Interruption Insurance Basics article, which emphasizes that trip interruption insurance can cover various unforeseen events that disrupt travel plans. This directly aligns with my situation where an unexpected and uncontrollable event prevented me from reaching my destination as planned. 

Enclosed are the following supporting documents : Police report detailing the incident. 
Photos of the damage to my vehicle. 
Receipts for the car repair services. 
Given these circumstances and the supporting evidence, I kindly request a reconsideration of my claim. This incident significantly impacted my travel plans and was entirely out of my control. I believe my situation aligns with the intent and provisions of the trip cancellation policy, and I would appreciate your prompt attention to this matter. 

Thank you for your understanding and reconsideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.

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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, my information was exposed in an XXXX data breach. Please remove all accounts listed in this FTC report under section 605B within four days. The following inquires are not authorized : 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 XXXXXX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX violates section 611 Collection is reporting inconsistent with all three other bureaus, reporting with activities after account has closed.

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-08-05 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: NJ

Complaint narrative:
I recently looked at my credit report, report number ending in XXXX as of today, XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( " FCRA '' ), 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. The following accounts : XXXX XXXX ; Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX, Account XXXX, and both XXXX XXXX XXXX, XXXX XXXX with balance showing {$4400.00} and the other balance showing {$0.00}, are not complete and are not accurate. I filed a previous complaint to reinvestigate these inaccuracies and incompleteness on XX/XX/year>, however upon receiving the reinvestigation results, nothing was correctly modified or updated. Per the Internal Revenue Service ( " IRS '' ), Charge-off accounts are not to be reported on any consumer reports, as they are tax credits to the furnisher once charged-off and are deemed taxable income. I demanded a thorough and transparent description of the reinvestigation and XXXX did not provide it to me which is a violation of 15 USC 1681 ( i ) ( 7 ) and 15 USC 1681 ( i ) ( 5 ). Furthermore, any late payment ( s ) being reported must be correctly updated to paid ; on-time. The inaccurate and incomplete reporting of any late payment ( s ) is a violation of 15 USC 1666b and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I demand immediate corrective action regarding this grave matter of concern.

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have sent installments to Pentagon Federal and some checks were not received in our accounts.NFCU also has large installment interest rates.I 'm a vet in public education with a furlough and only pt. time work as a recreation leader.

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Check was deposited into wrong account Im not on and forged endorsement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I had balance with XXXX XXXX credit card due to identity theft by a family member, i notified Midland Credit who is handling the debt collection, i attempted to dispute it with Midland Credit and they threatened legal action so i began payments and had made over {$1000.00} in payments to get it fixed until i realized they couldnt collect on a debt due to identity theft so i contacted them, disputed it, and requested a refund which they havent done. 

I called multiple times just to be told my refund request was canceled for an unknown reason by XXXX XXXX on the phone. 

As you can see in the pictures submitted I paid a large majority of the balance off and need to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Originally, I was able to successfully transfer funds 3 times from my Way2Go account to my checking account. My fourth attempt failed. I was not notified of the reason. 

After speaking to customer service, I was told that there was a fraud dispute and I needed to email an unpublished email address ( XXXX ). I submitted the requested documentation. I was not notified of approval or denial, but further attempts to transfer funds failed. 

I called again and was told the fraud department denied my claim. I was told to submit different documentation. This series of email-wait-fail-call happened multiple times. They were never able to help me. 

Eventually, my ACH information was approved by the fraud department. But transfers still did not work. I called and asked to resolve the issue, but they were simply confused as to why it was approved but still not working. I asked to close the account and they said they couldn't. 

I have been unable to access my benefits in 4 months. If you XXXX " Way2Go card '', you'll find dozens of XXXX threads from all over the XXXX with people having similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies in these accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my XXXX XXXX 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are in violation for continuing to report an account when you were informed by the collection agency to delete a tradeline. The company XXXX XXXX responded to CFPB complaint XXXX stating that they have terminated collection attempts on account XXXX and notified the credit bureaus to delete this information. The company responded on XX/XX/year>, and yet this account is still reporting. Please see the attached response from this company and remove the following account from my credit report due to inaccurate reporting XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/2022 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.

This company 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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have XXXX medical bills that entered collections while I was working on the road and did not receive the mail informing me of them. These medical bills were supposed to be covered by my insurance but when insurance failed to do so they were sent off to collections. I tried negotiating for them to take it off my credit report in exchange for a payment plan, due to being unable to pay these bills. They did not want to set up a payment plan and refused to take said bills off my credit report and stated my insurance will not cover the bills even if they provided me the original information. I feel with these being medical and insurance failing to do their part I am not responsible for this debt that has accured. I tried disputing as well through my credit service and the request was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are in violation for continuing to report an account when you were informed by the collection agency to delete a tradeline. The company XXXX XXXX responded to CFPB complaint XXXX stating that they have terminated collection attempts on account XXXX and notified the credit bureaus to delete this information. The company responded on XX/XX/year>, and yet this account is still reporting. Please see the attached response from this company and remove the following account from my credit report due to inaccurate reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim with Wells Fargo after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. 
I reached out to XXXX first and they told me to go through Wells Fargo to get my money back. 


Fast forward to XX/XX/24 when the same individual decided to threaten me on XXXX after getting notified about the chargeback through XXXX. Wells Fargo has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. 

I want the overdraft fees and payment removed or I will file suit for being an accomplice to threatening behavior against 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 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am writing to file a complaint against Aldous and Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding an outstanding balance of {$100.00} associated with my membership at XXXX XXXX  XXXX. 

I am asserting that this amount is INCORRECT for the following reasons : XXXX. My XXXX XXXXXXXX XXXX, and I have been utilizing the EXACT SAME credit card ENDING XXXX XXXXXXXX under her name for auto-payments for our memberships. This card is valid, has not expired, and was just charged on XX/XX/2024, by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX They dont have any issues charging that card for her membership and have continued charging for the past years. However, my membership payments have been wrongly stopped without my consent. It is unacceptable that Texas XXXX XXXX continues to charge my fianc on the same card while my payments have ceased. With that, I can conclude that the credit card is not the problem here. 

XXXX. During my visit on XX/XX/2024, to the XXXX XXXX XXXX  location in XXXX XXXX XXXX XXXX, I spoke with the XXXX, XXXX, regarding my statement above. XXXX verified and confirmed that the card is the same. XXXX could not provide a satisfactory explanation as to why corporate has stopped taking my payments. 

XXXX. On the call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I am trying to work out a solution. I advised them that the credit card is obviously working because they just took out money from that card for my fiance 's membership. They said it is not their problem because XXXX XXXX XXXX XXXX is the one they use to handle billings. They told me that reason mine was sent to collection because my card was expired and I did not update it and that XXXX tried to contact me. The card is indeed not expired because like I stated above, they just took money out for my finance membership On XX/XX/2024.

Company response to consumer: Closed with explanation