vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX2024, I received a check from XXXX for a roof claim. The check was issued to XXXX ( my wife ), XXXX XXXX Bank ( mortgage lender ), and XXXX XXXX ( me ). 
The next day, XX/XX/XXXX, I went to XXXX XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, as instructed to get the check endorsed by someone at the bank. While I was there, I was told that they couldnt endorse the check and that I needed to send it to their back office in XXXX, SC. 
I left the bank and went straight to the United States Postal Service office at XXXX XXXX XXXX XXXX XXXX, FL XXXX to mail the check. I sent the check XXXX priority mail with tracking. The tracking number is XXXX. 
After about XXXX week, I noticed that the check was still in transit and not at XXXX XXXX Bank. So, I reached out to XXXX to report the delay. They responded to say there was nothing they could do till after 15 days. 
After 15 days, I reached USPS again. They responded and said there is nothing they can do. Then, I contacted the law firm to ask for XXXX to reissue a new check. Thats when I found out that the check was cashed fraudulently. 
I was instructed to complete Chases Declaration of unauthorized Endorsement form. I completed my portion and then sent it to XXXX. 
After several months, and numerous attempts to get an update from XXXX, I was informed on XX/XX/XXXX/24 that they will not issue another check. Their reason is that they fulfilled their obligation to me. 
I've reached out to Chase and XXXX  XXXX XXXX to solve this issue. Chase tells me that there's nothing they will do. XXXX  XXXX XXXX is on the verge of telling me the same thing. 
I am the sole breadwinner of my family. As my wife is a homemaker for our XXXX children. All our children are under XXXX. And I am without an adequate roof for living. I cant withstand such a big financial blow. And I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: ND

Complaint narrative:
XXXX XXXX XXXX is a debt collector representing XXXX they are reporting an account/unpaid balance I opened back in 2017. 
This should already have come off my credit report but they keep changing the date and it continues to tarnish my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.

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 2024-06-07 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: NY

Complaint narrative:
BANK : JP Morgan Chase Bank NA QUESTION RE : Reward Points from co-branded Marriott/Chase credit card Dear CFPB, I am a cardholder of a co-branded Marriott/Chase credit card issued by JP Morgan Chase Bank NA ( hereinafter , Chase ). 

I was a claimant in a recent arbitration with Chase through XXXX over a disputed charge of {$7700.00} on this co-branded Marriott/Chase credit card. 

In my situation, a criminal made an unauthorized charge on the credit card after obtaining it through fraudulent actions and statements. I reported the unauthorized charge to Chase by telephone within hours of the charge being made and sent follow-up letters. Chase continued to claim the charge was valid, so I filed an arbitration. 

During the arbitration, Chases lawyer argued that the Marriott Reward Points that I received ( because of the rebilling of the disputed charge to my account ) provided a benefit under the 15 USC 1602 ( p ) definition of the term unauthorized use, and for this reason, Chase considered the disputed charge to be a valid authorized charge. Refer to the highlighted sections of the attached ( i ) Page 6 of Chases Motion to Dismiss Brief dated 2024-XXXX and ( ii ) Page 5 of Chases Evidentiary Hearing Position Statement dated 2024XXXX. 

QUESTION TO CHASE : Regarding Marriott Reward Points that are awarded with Chases co-branded Marriott credit card, does it continue to be Chases corporate position that Marriott Reward Points are a benefit under the 15 USC 1602 ( p ) definition of the term unauthorized use? 

REQUEST TO CFPB : Please thoroughly review Chases response to this question. 
( a ) If Chases corporate position is YES ( i.e., that reward points are a benefit ), then Chase could escape liability for an otherwise unauthorized fraudulent transaction by simply issuing reward points on an account, and there would be no way that a cardholder could ever prevail on a disputed claim in even the most egregious circumstances of fraud. 
( b ) If Chase does not answer this question with an affirmative denial, then it appears that Chase intends to continue to use this nonsensical reward points are a benefit position in credit card disputes with its cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: VA

Complaint narrative:
On XX/XX/year> a company called Elevate Recoveries LLC opened a collections against my credit. Listed under Original Creditor Name it again lists the company Elevate Recoveries LLC. I have never been contacted by or associated with Elevate Recoveries LLC nor do I owe any money that would be sent to a collection agency. I have never received notice in any way that I owe this debt and have never heard of the company listed. Upon searching the company, it appears as though many others have come across this issue and also say they have no association and no reason why this would come up on a credit report. The amount owed states {$1200.00}. This is a false claim and I will dispute it until I can prove this is untrue and is taken off of the credit report. I have also made a report with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> Accounts paid off and showing wrong balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Accounts Paid down and showing wrong balance 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 non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
We own a joint checking account at US Bank since XXXX. 
On XX/XX/XXXX, a perpetrator cashed a check dated XXXX ( no year ) at XXXX XXXX It was written to XXXX XXXX for {$10000.00} and my mother-in-law 's signature is forged. 
It was written to XXXX XXXX but deposited with a teller to the perpetrator 's account. No ID was provided. The perpetrator is a neighbor of my mother-in law, unknown to us but who became active in my mother in law 's life in her final 30 days. My mother-in law had lived in this area less than 18 months. The neighbor/perpetrator told us through a system we use to make sure my mother-in-law is safe that my mother-in law had gone on a vacation. Instead, the neighbor had isolated her from all family and friends. No one spoke to my mother-in-law without this person present from XXXX till her death. We learned the real situation on XX/XX/XXXX when the neighbor who had my mother-in law 's phone accidentally answered. My mother-in law learned in XXXX she had XXXX, the neighbor offered to " help '' taking her to appointments. My mother-in-law died XX/XX/XXXX which made my husband and me sole owners of the account. The neighbor had my mothers-in-law 's entire estate redone on XX/XX/XXXX a Sunday when my mother-in-law had just been released from the XXXX XXXX XXXX XXXX XXXX. She continued to use our US Bank checking account illegally and over drew the account putting us into collections. The neighbor also used this checking account to move money from an XXXX XXXX XXXX account and later withdraw {$38000.00} through a cashier 's check in my mother-in-law 's name that she deposited at XXXX XXXX. We were speaking with US Bank from end of XXXX regarding these issues and filed a formal complaint about the check and automatic payments in XXXX as directed. US Bank told us today XX/XX/XXXX that our claim has been denied as we did not file related to the theft and fraudulent check within 30 days. This " policy '' was never communicated to us and they wasted over 8 months of our time as we relied on them to recover the stolen funds. The statute of limitations for these criminal acts is 6 years, not 30 days. US Bank gave us the run around, damaged our credit, wasted our time and is complicit in the theft from us and elderly abuse of my mother-in-law. They have provided us nothing in writing and refuse to let us speak to the claims department in charge of the investigation that it now seems they never conducted.

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 monetary relief
Consumer complaint received 2024-06-07 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: NC

Complaint narrative:
As I was recently looking over my credit report I noticed unauthorized inquiries on my credit file. These inquiries are really detrimental to my credit and daily life.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 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 ( MONTHS REPORTING LATE ) 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. 


XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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 XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 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 ( MONTHS REPORTING LATE ) 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. 


XXXX 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 2024-06-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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