vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filed a travel insurance claim through Chase Sapphire - XXXX for Trip Cancellation. My claim was partially denied despite the transaction being covered on the Chase Sapphire Preferred card benefits. Travel insurance claim was partially denied for an amount of {$11000.00} for a set of transactions tied to a prepaid bareboat charter. Multiple requests have been refused by different representatives to provide the denied reason in writing. The only verbal explanation justifying the denied claim was due to the charter not being crewed. Representatives have promised a follow up from a Claims Adjuster to discuss the denial but no attempts at contact were made. Furthermore, representatives have been dismissive and in one instance hung up on the claimant. 

All documentation to the trip cancellation has been provided on the claim and can be provided upon request. 

The publicly available Chase Sapphire Preferred card benefits, that were also provided by a representative, state [ XXXX : XXXXXXXX XXXX XXXX  ] : Eligible Travel Expenses are Non-Refundable prepaid travel expenses charged by a Travel Supplier ( Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers ). 
- Card Benefits, Trip Cancellation/Trip Interruption Insurance , What Are the Eligible Travel Expenses Covered ( page 29 ) The card benefits go on to define a Rented Recreational Vehicle Provider : Rented Recreational Vehicle Provider - a commercial rental Company licensed under the laws of the applicable jurisdiction and whose primary business is renting watercraft, bareboat chartered boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow mobiles or any other motorized vehicle used for recreational purposes, unless stated otherwise or an exclusion applies. 
- Card Benefits, Definitions ( page 38 ) A bareboat charter is well defined as an arrangement for the chartering or hiring of a ship or boat, whereby no crew or provisions are included as part of the agreement. This is a widely held definition used by boat chartering companies and the XXXX XXXX XXXX ( XXXX ). 

These expenses are clearly covered under the stated card benefits created by Chase and denial due to the charter not being crewed is not consistent with the agreement. Attempts to seek even basic explanations for denial and resolution have been met with a lack of cooperation or outright avoidance in communication. The claimants intend to follow through on ensuring the agreement is upheld by the insurance provided. 

Calls have been made requesting written information about my claim on the following dates : - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I am writing to complain about a harsh decision to close my small business accounts due to an honest mistake. I have all my banking with bank of america for last 15 years. I bank with them for my personal banking, small business banking and also hold investment portfolia and a wealth management account with them. According to bank of America, I am one of their platinum level customer who has established relationship of trust and credibility across all exchanges. I have had 3 lines of business operated under small business and recently with addition of new services and assets, I added additional 3 lines of business. To keep my invoice organized and up to do for flow of services within my lines of business I invoiced one of design services company to provide service towards tenant management service. As per bank of america this is prohibited, which doesnt make sense to me because it is a purchase and sale between my 2 companies even they they both belong to me.On a payment towards services from one company to other bank of america flagged my account and made a very very harsh decision to close all of my accounts with them. I called the respective team and they denied to rectify it. I also offered to retract whatever they had an issue with, however they were just not open to listening anything. One of the associates did understand where I was coming from and wanted to do a second review to the situation but the first associate denied it without much context. 

I trusted bank of america with all my business needs and year over year gave them revolving balance, wealth management accounts, merill edge investments and multiple business accounts. I have always paid my dues in time and established by credibility with each line of credit. Had i know that bank of america is not that sensitive towards maintaining a relationship with theor valued customer, I would not have placed all of my eggs in one basket and banked ONLY with bank of america. I trusted them as my service partner to assist with my small business needs however my trust is very badly broken for continuining to be aloyal customer. 

i would really ; ike this feed back to be considered because after this occurence, I know that I will have to take my business somewhere else and not trust bank of america with my banking needs.

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 2022-08-19 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX 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 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We purchased our Home in XX/XX/2020. Covid 19 has impacted our finances as myself lost my contract to merchandise XXXX XXXX accounts, and my wife had a reduction inhours with XXXXXXXX XXXX We fell behind on our mortgage payments during the first sale of the mortgage to XXXX XXXX XXXX  and servicer XXXX. The mortgage was then purchased by XXXX XXXX with PHH Mortgage Service as the servicer. 

We were told we were eligible for a loan modification and submitted our application and documents, despite being in communication with PHH on our struggles to comply with the program. in XXXX we were told we were denied the modification because of late submission of documents. Jump to the present and we had our monthly appointment with the PHH relationship manager. We were informed that we should not had applied to XXXX  XXXX if we sought the modification to the loan ( although it is recommended by XXXX you apply waiting on modification ). Then after his ill informed rant on the XXXX  program my wife told him that I had some questions. He informed my wife that under Texas Law he needed a written authorization to allow a third party to discuss the loan with me. That is an untrue statement as under Texas Law, as a community property state I am considered on of the borrowers because we equally own the home. The XXXX  could not tell us why our Loan Modification trial payment was {$200.00} than previously, when the original loan payment was {$1000.00}, and the first trial payment was only {$2.00} lower. PHH seems to be mishandling our Loan modification and refusing to work with us to get the modification approved.

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 2022-08-19 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Ally has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

Also, Ally alleged that I had one late payment out of 75 payments. However they : Reported alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}.

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My Credit Card was transferred from XXXX XXXX XXXXXXXX XXXX to Barclays bank XXXX in XX/XX/XXXX. I received a past due notice from Barclays Bank in XX/XX/XXXX. I have not used the old XXXX XXXX  account since summer of XXXX and I never used or activated the Barclaycard. There was a charge from XXXX on the XXXX card in XX/XX/XXXX, but I did not make this charge or purchase anything from XXXX. I called Barclays beginning of XX/XX/XXXX and I was told they would start an investigation. But I did not receive any communication from them only a bill with late fees. I called again in late XXXX and they told me they reversed the charge from XXXX and I think the interest and one late fee. I called again the first of XXXX because the charges and late fees were not reversed and I was told to wait until after the billing cycle and they would be removed, but I got another bill showing additional fees but the charge was reversed and standard purchase for XXXX was added?!!. I called them again today XX/XX/XXXX and was told I owe them {$74.00} ( unknown to me why ), so I went ahead and paid the crooks but I don't think that it is right, they are crooks to took my money when I didn't owe them anything I never even activated the card they are charging me interest and late fees on and possibly using to make purchases. What a way to make money, fake charges, they make their customers pay late fees and interest on fraudulent charges. I want this resolved and I want my money back with interest. And I don't want any late notices on my credit report so I want a new three part credit report showing I did not make late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX 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 2022-08-19 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
I had a roof replaced on a house recently. Financing was approved. Not pre-qualified. Not pre-approved. But approved outright. I was on the call, and so was the roofing contractor. I asked him if there was any ambiguity that I may have missed, and even HE indicated that the financing was approved outright solid. He gave me permission to include him in the complaint. XXXX XXXX from XXXX XXXX, XXXX. He indicated that you can contact him, and he will verify this. XXXX XXXX made a business decision based upon their approval, and therefore I moved forward based upon that. Lendingpoint never, ever, contacted me with any indication other than being approved. They are now not releasing the funds, and it is putting everyone in a bind. Lendingpoint acted in bad faith. I acted in good faith, and so did XXXX XXXX. Lendingpoint acted otherwise. They need to follow through on the promise that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX via XXXX and I was emailed back on XX/XX/XXXX by XXXX XXXX ( XXXX ) stating that they were interested in me as a candidate, then asked me to fill out some questions. After doing that, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX said that they would be giving me equipment to set up my workspace. This would be done through checks, which she sent me through email. At this point we were texting by phone ( XXXX ), and I was not given the exact amount I would be receiving, but I got an email image file of the check the next day. The check was for {$4600.00}, and signed by XXXX XXXX. I cashed this check, received the money in my bank account, and was directed to send the money to a vendor via XXXX and XXXX ( XXXX XXXX XXXX on XXXX, @ XXXX on XXXX ). I sent XXXX, divided into two payments ( one {$1900.00} and one {$1600.00} ) via XXXX, and the rest ( {$1100.00} ) via XXXX. I was then directed to cash another check, this one for {$4800.00}, but before the check could be processed, my first check was put on hold. At this point, I started to believe that this position was a scam. I interrogated who I believed to be XXXX and also XXXX XXXX, who was the recipient of another email I was given, XXXX. After questioning them on why the check bounced back, I was met with silence. They were previously very responsive when I was attempting to send payments, which was extremely suspicious, so I began the process of filing a scam report at my bank, Bank of America, XXXX, and XXXX. Upon closer inspection of the emails used by these individuals, I noticed that it did not say " XXXX  '' but instead " XXXX, '' after which I called the number provided at XXXX which is the legitimate website for the company. The customer service representative at XXXX informed me that this email was fraudulent and did not represent anyone from the actual company. 

Since I reported them to my bank, Bank of America on XX/XX/XXXX, they said they are still processing this claim. Because this check was processed by the bank, and it stated I had the funds to complete this transaction, while the check turned out to be fraudulent and a scam, I deserve to have all of my money reinstated and any overdraft fees for my account revoked.

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 2022-08-19 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I went to the truist bank mid XX/XX/2022 to let them know that my sister 's wallet may have been taken out out the hospital. I ask them to freeze the account, then asked me to get a police report, i done that. She passed away XX/XX/2022. Truist never frozen the account so XXXX, XXXX was taken from her account After DEATH. I am the P.O.A, Beneficiary of the account and the estate of the Deceased. After funeral services I took them all documents what they ask for was death Certificate and P.O.A information. In mid XXXX of XX/XX/XXXX. I received information that I was only getting XXXX XXXX back and the other XXXX XXXX was going to be Disputed. Now truist is say the account is block. They are looking at the account because staff didn't handle properly and it only XXXX in the account now.

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 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility! I have already asked this account to validate this account, but it has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a claim with the CFPB, asking that they look into the information that Transunion is reporting. This was probably the laziest " investigation '' I have come across! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, the disputed items still remain inaccurate and unverified! I demand a reinvestigation and I do not consent to E-Oscar! Transunion obviously has no respect for my privacy! Transunion never addressed not responding to my disputes upon confirmation that they were received via XXXX tracking. Transunion did not address my right to privacy being violated by XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Transunion never addressed how these companies obtained my nonpublic personal information such as my social security number and other personal details which I did not provide them with or consent to them having! Transunion did not address how XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never gave me the opportunity to opt out of consumer reporting. If I established a relationship with these financial institutions, where is the adequate clear and conspicuous disclosure notice that was allegedly signed upon establishing the relationship!? Transunion did not address how the information is inconsistent with other major credit reporting agencies. Who is right, who is wrong? If Transunion can not provide me with physical proof establishing 100 % accuracy of their reportings, they ned to delete the information! Lastly, Transunion did not address the incorrect payment data for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, Do not delete these two accounts, just update the payment information to on-time, being that I did not miss any payments! Overall, updating information is not proof of an investigation! There were serious claims that they did not address or provide me proof of.

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 2022-08-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP of education, 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 2022-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I reviewed my credit report The Macy 's account was closed on my report. I was concerned because i previously spoke to a representation on XXXX who told me if I made a payment of {$160.00} that my account would not be closed. My report shows on XX/XX/XXXX the account was closed. XX/XX/XXXX, a XXXX called from Macys again threatened me if i do not make a payment by XX/XX/XXXX that y account would be closed. I verified with a credit counselor that the account is in fact. I explained back in XXXX that I was going through a divorce and had an apartment fire in XXXX. I was really hopping that they would have kept my account open since i recently paid off half of my account in XX/XX/XXXX. It's unfortunate that Macy; decided to not help and chose to make it worst.

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