vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
I signed up for a credit card with a promotion offering three complimentary nights, but unfortunately, I did not receive them even after meeting the requirements. I contacted the company on XX/XX/XXXX, and was informed that the certificate had been issued on XX/XX/XXXX. They assured me that they would re-issue the certificate and I should receive it within 10 to 14 business days. However, I did not receive anything for the next three weeks. After contacting them again on XX/XX/XXXX, they informed me that I would need to wait another 10 to 14 business days, and that was all they could do. As a result, I would like to file a complaint regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: WA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX 48 Months length of loan Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/2022. 

Date opened : XX/XX/2022 Balance Updated : XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29 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: PA

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. 

XXXX XXXX XXXX XXXX has violated my rights 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 an 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 or 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 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 2023-03-29 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: PA

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. 

XXXX XXXX XXXX XXXX has violated my rights 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 an 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 or 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 2023-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Bank 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 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 2023-03-29 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:
Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX Unsecured loan with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXX  XXXX XXXX XXXX loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX XXXX XXXX with account # XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX Credit Card with account XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022 our joint-checking account was robbed of {$3500.00} in three separate transactions. This account belongs to my XXXX son and myself. 
My son was away at college for the first time and received a call from the bank, or so he thought ... .the caller id on his phone showed " Bank of America '' so being young and inexperienced in dealing with such issues he proceeded to follow the instructions given by the caller. They first told him they were just confirming that he made 3 separate XXXX payments ( {$1600.00}, {$900.00}, {$1000.00} ) that were waiting for authorization to which he responded that he absolutely did not! So they proceeded with ok glad we called to check but to make sure you are not charged these withdrawals we need you to send the same amounts to a different number which will then go directly back into your account. I realize this is not something that an experienced adult would do but he had no way of knowing it was a scam, after all the caller id said " Bank of America ''! I have been trying to have Bank of America help us with this matter since XXXX of XXXX, I have filed multiple complaints, and gotten nowhere ( case number XXXX ). Also my son filed a police report right after it happened and I can not get through to anyone at XXXX. I am at a loss now of what else can be done. This was his college money and we are devastated to say the least.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMorgan Chase issued the credit card. 
My daughter who is an authorized user set up the card to use as payment for XXXX transactions. She did not receive any notices about fees when she set it up. 
Later I noticed that the bank was charging a {$10.00} fee for each XXXX payment, some of which were only {$2.00}. All of the transactions were small, averaging {$10.00}. 
Although I always pay my card off monthly, the bank also charged interest of more than 29 % on the XXXX transactions. 
These fees totaled up to several XXXX dollars over a few months. 
When I realized that I was being charged a lot of fees called " transaction fee '' on my statements, I called and asked the bank to explain the fees. They said that XXXX payments are considered cash advances and subject to a minimum {$10.00} fee and interest. I never take cash advances because I know in general that the fees are high. I do not recall ever receiving a notice from the bank that XXXX payments were subject to cash advance fees. Moreover, the way the fees were characterized in the credit card statements was opaque if not outright deceptive. 
I asked the bank to waive the fees. They agreed to waive 1 fee of {$10.00} but not the remaining fees. 
These fees are egregious. The bank did not provide sufficient warning to the client before or after imposing them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Our previous rental management company, XXXX, has hired a collection agency to try to extract {$920.00} from us for alleged damages to two apartments where we were tenants. 
These charges are erroneous and have been grossly inflated. The complainants allege that we ruined a carpet, gouged large picture hook holes in the walls, and abused the kitchen cabinets to the point where they had to be repainted. They also claim that we owe them for several small fees that we previously had paid. 
The complainants have already reported us to credit report companies. Also, the dates of these alleged damages are very old and were brought to our attention long after we had moved out. We vacated the first apartment on XX/XX/XXXX, and the second apartment on XX/XX/XXXX. 
In addition, my wifes car was stolen from their parking lot, which was unsecured as a result of a non-functioning security gate at the entrance. 
We are honest, upstanding people who would freely pay the disputed amount if we thought their complaints were valid, but it is against our nature to not at least try to right a wrong. 
Thank you in advance for any assistance in this matter. 
Move out date from complex, XX/XX/XXXX. First notice of collection, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form 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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
Square app credit card processing app closed my account without my permission and without reason. They are withholding {$2000.00}. I am a XXXX  registered Ohio XX/XX/XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I received a letter from the bank closing my account without any explanation. I called the bank and was not able to get an explanation. This reminds me of the redlining the banks were doing in the 60th and 70th. I tried to contact the management staff included XXXX XXXX, which I am contributing to his XXXX XXXX compensation and was stonewall. All I want to know is why, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If there is a mistake of some sort, it can be corrected if I have the information. Please have someone to communicate the requested information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
PennyMac failed to pay my homeowner 's insurance on time from my escrow account resulting in me have to call both PennyMac and my insurance agent to ensure that my house would be covered during the lapsed period of time. This is the basic job of an escrow account and PennyMac has shown an inability to perform that job. I requested deletion of my escrow account, however PennyMac will not provide me relief from their terrible " service ''. If my mortgage servicer can not do its basic job, then I should be able to remove the requirement for my money to be escrowed by them. The only person suffering here is me. There is no penalty to PennyMac for failure to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX am opting out of you sharing my personal information.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX there were two unauthorized withdrawals. One from XXXX XXXX for {$200.00}, and another from XXXX  XXXX XXXX for {$120.00}. These transactions happened while I was at work and my debit card was in my possession. I don't know how my money can be taken out of an ATM with out my debit card. I disputed this twice and both times I was denied. I was using the credit karma checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I did a cash out with Cash App for {$300.00} on XXXX XXXX, 2023 to my bank. Cash app instead deposited the money to a debit card that I do not own. I have gone back and forth with their customer support team several times with no success. I even went through their management dept. with no success. How that debit card got attached to my cash app account I do not know. My cash out history shows that for years my cash outs have gone to only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
Performed a routine, preventative XXXX  in XX/XX/2022, at XXXX XXXX. XXXX  are done every couple of years as a routine preventative measure for those with XXXX XXXX, including myself. There was no emergency at the time, and this was not an ER visit. 

Had active medical insurance at the time under XXXX. XXXX terms and conditions advertised 100 % coverage of preventative services. XXXX had also sent me written communication saying the XXXX  was covered under my insurance and pre-approved. 

A few months later, XXXX had only paid a portion of the amount to XXXX XXXX ( rather than 100 % ), and claimed in communications that the service was not preventative, leaving me with a balance of $ XXXX. XXXX XXXX claimed in communications they had billed it as preventative. XXXX XXXX was unwilling to work with me, and referred it to State Collection Service , Inc., a debt collector. 

I responded to the debt collector disputing the debt, saying it is not my debt, and that they should collect the amount from XXXX. They are still trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a wire transfer with Chase bank to send money to a business asscoiate in XXXX. The important business asociate never received the funds. After three call and over a week of waiting while the customer continued to check for the funds availability. I cancel the wire transfer and requested a refund. I was told chase would try to get my funds back. 
This is totalt unreasonable and I have been waiting eight days and am now not getting any answers from Chase. 
Chase never was able to make the funds available to the business associate. I requested on many occasion any form or verification that the funds were available. They never were! 
Chase after many days never completed the wire transfer and this was confirmed by my business asociate and his bank and now they are making excuses and not replacing my funds causing problems for my business. 
XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation