vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 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 2022-07-17 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: NY

Complaint narrative:
Yesterday, I had a terrible experience with Chase Ultimate Rewards and XXXX rentals in XXXX. It was experienced by me as a blatant case of discrimination. I have a Chase Sapphire Reserve card and I used XXXX Ultimate Rewards points to book a rental car in XXXX for a trip with close friends. Because the flight connection ( which I booked using XXXX on XXXX ) was close, the baggage was lost. This meant I had to file a complaint which in turn meant I was around one hour late in picking up the car. But when I got there, the lady looked me up and down and then asked for my international driver 's license. I told her that that this was not in fact a listed requirement. I had read the terms and conditions and I assumed that if an IDL was needed XXXX and Chase would both have listed it. But instead, the woman contemptuously snaps at me " XXXX it ''. Could they maybe have googled it when writing out their terms and conditions? Would she have spoken to a white person like this? Probably not. My friend who also booked with Ultimate Rewards had no problem picking up her car without an IDL. I then spent hours speaking to Chase Ultimate Rewards representatives, who were appalledand said my points would be refunded back on Monday. That it would all be written in the notes. But it wasn't. In fact, when I called again, I was told that the rental car agency said I was a " no show. '' The representative to whom I spoke ( " XXXX '' ) was also extremely rude. He kept referring to the need for a " black and white picture '' as if I was lying. And I am not down XXXX points with no car on this trip. 
Theoretically it will take 3-5 days to get a refund if i even got one which means that it will be useless for this trip.

I would like to know what rights I have if any? Of course I can stop using Chase Sapphire Reserve - and I fully plan on dong so - but I not sure that will heal my anger at being a victim of blatant, hostile discrimination. 


@ ChaseSupport @ Chase ultimate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following collection account and credit inquiries currently listed on my Equifax, XXXX, and XXXX XXXX credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To : Whom it may concern Subject : Paying my home deed remaining balance of {$6000.00} On XX/XX/XXXX, my parent XXXX XXXX and XXXX XXXX were the home owner of XXXX XXXX XXXX, XXXX XXXX XXXX  NY XXXX. They singed a home improvement contract with XXXX XXXX XXXX XXXX  XXXX for {$6000.00} in XXXX. At this time XXXX XXXX XXXX XXXX  has listed merging with XXXX XXXX. However, XXXX XXXX  has been merged with Bank Of America National Association. On XXXX, I purchased the property from my parent. Today the property still has a pending balance of {$6000.00} from XXXX XXXX XXXX Co. I would like to pay the full balance, but I am having a difficulty locating XXXX XXXX XXXX Co so I can resolve the payment balance. Please help me find proper contact information to XXXX XXXX XXXX Co.

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 2022-07-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have 3 unauthorized inquiries on my XXXX Report. They are for XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX on XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The following collection account and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following collection account and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I happen to apply for credit last week- the week of XX/XX/2022. Instead of getting the instant answer I expected I instead got a denial letter with the reason being that I had no Credit Score? This was surprising because I have a credit score and have bank accounts as well as credit cards that have low balances. 

Later that same week I tried to open a Checking account with XXXX XXXX XXXX  here where I live in XXXXXXXX XXXX. I have had a checking account at my old bank in XXXX XXXX for over 15 years where my Social Security  XXXX XXXX goes along with a pension check. When I went to open the checking account in XXXX XXXX  with XXXX XXXX XXXXXXXX that asked for my ID info. I also showed the staff my Checks from the XXXX account and a Credit card along with my Drivers License from XXXX XXXX. After a couple of minutes the young lady at the bank suddenly Gasoed out loud and told me I came up as Deceased?? I told her that I was clearly not since I was sitting in front of her with numerous pieces of ID. She indicated that she could not open the account at this time but would take my phone number and call me. Neither she nor anyone at XXXX XXXX XXXX called me. After having this happen I investigated further by obtaining my Free Credit reports from all three major credit reporting agencies. I was able to get XXXX XXXX XXXX but ran into a proble with Equafax. I did not get the free credit report but was directed to contact them ASAP. I did not call. This error of having me listed as Deceased cause me to not be able to get credit where I wanted too and also prevented me from even opening a checking account. I did suffer real ha from this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: PA

Complaint narrative:
I have XXXX unauthorized inquiries on my Experian Report. They are for XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my 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 2022-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Back in 2016 I asked to be waive my XXXX XXXXXXXX  XXXX  status and submitted the paperwork. I was told it was processed through their internal messaging system. I later asked to cancel the waiver and they sent me the form. However, since this current reconsideration/review effort has been going on I've learned they never applied the waiver. This leaves me with 2.5 years of uncounted payments. I wanted them to count because I was in a XXXX dollar payment period because I was on XXXX from my employer while I completed my degree. They switched from sending me documents via email to an internal messaging system that they control and leaves no to a very short time-limited paper trial for me. I have complained to them for years about their handling and was assigned one person to speak to at one point. They do have some records or those conversations and actions but apparently not all. FedLoan Servicing is deceitful! They put me into deferral/forbearance when I didn't want to be because it would hurt me when I was in favorable payment range. I repeatedly asked where I could go to file a complaint and they never directed me to CFPB they just said they are the servicer the government chose for PSLF program. When I consolidated my loans I was not told the payments previously made would no longer count until after it was done. When I asked them to count them under the current initiative they didn't until I provided information my old servicer provided. I was fortunate old servicer still had the information. They never helped me verify my employment dates from previous employer that failed to sign or the state hospital that had closed. Their handling has been a hinderance of my financial freedom and impedes my motivation to trust what any of the representatives say. I do have some documentation to support my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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  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 that 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 2022-07-17 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # 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  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 2022-07-17 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I work at a XXXX  in XXXX, XXXX XXXX XX/XX/2022, there was a XXXX guy came in and ask for help. He said his phone is dead and he needed to call her girlfriend. He borrowed my phone to call her and then he hacked my Chase mobile banking app and committed an unauthorized transaction through XXXX. He added two recipients and tried to transfer money to both accounts the completed amount was {$1900.00}. I reported the fraud immediately to the bank because he deleted the app on my phone. I had a video record of the crime from a XXXXXXXX XXXX  camera and I asked the Chase 's fraud team so many times during my calls on XXXX and XXXX XX/XX/2022 to provide a video footage and report to the police. However, the bank said they do not need any more information right now and they will report fraud to the police after investigation but the JPMorgan Chase Bank denied my claim and took my money back from my account on XX/XX/XXXX. The reason the bank denied my claim is that a transaction was authorised because I allowed that person to use my device, and I totally disagree with that. Unfortunately, it's been a month now so the video is gone. I later reported to the police and the report number is XXXX. I contacted the Chase Claim Team several calls on XX/XX/XXXX and XXXX. While some officers required me to provide more document to reopen the claim, one suggested me to go to the branch, one said there is nothing they can do because the investigation is done. I have couple witnesses who saw the person committed crime. Also, I have their names and phone numbers of the criminals. 

XXXX. You added or edited XXXX as a Chase QuickPay with XXXX recipient. 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 
2.You added or edited XXXX as a Chase QuickPay with XXXX recipient XXXX 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 

I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised and it was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Someone from XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX forged my signature as a Principal Obligor to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX filed a reckless lawsuit against me on XXXX XX/XX/XXXX for {$46000.00} ( see attached ). I formally communicated with XXXX XXXX XXXX on XXXX XX/XX/XXXX ( see attached ) that I have never been to the XXXX XXXX XXXX and that it was not my signature as the Principal Obligor. They proceeded with the lawsuit despite my denial and no real proof that it was my signature. Apparently the XXXX XXXX, XXXX  Court ruled in favor of XXXX XXXX XXXX. I never received any notification of a judgement. My wife received a letter this week from a law firm retained by XXXX XXXX XXXX to collect {$74000.00}. I am currently XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and my wife is going to send me a scanned copy of the recent letter tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Demand for payment received in attached demand dated XX/XX/2022, from Firstmarkservices. It may be a mistake or a scam. I have responded by attached letter dated XX/XX/2022, demanding evicence of indebtedness. The addressee is a name similar to, but different than, the owner/resident of the address in the Firstmark Services demand letter. Because it may be a " phishing '' misuse of Firstmark services identity, I have decided to open a complaint in order to facilitate avoiding damage to other XXXX  citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation