vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the sole owner and CEO of XXXX, as proven by all relevant legal documents we know about in the BofA customer file. XXXX was a longstanding banking and Credit Card customer of BofA, originated by its former owner and officer, XXXX XXXX, before he retired and transferred the business to me in 2014. While I closed the bank accounts several years ago, I continued the Credit Card. The XXXX Credit Card account has long been documented exclusively for me, and such known documentation entirely excluded my father, who is in every legal and business respect irrelevant. He is not an authorized recipient of anything relating to XXXX or me. Three times during my ownership of XXXX, BofA has sent unauthorized Credit Card notices to my father by email ( at XXXX ) and US mail ( to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ), but those notices were not also sent to me as required and contrary to all relevant documentation known to XXXX ( or to me or my father. ) For obvious reasons, it is essential that I exclusively receive all the notices regarding the Credit Card ( and any other XXXX account matters of every kind. ) On two prior occasions BofA assured me that this problem had been solved, but the problem has just recently reoccurred. This inexcusable mishandling of XXXX Credit Card data must be immediately corrected and stopped.

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On around XX/XX/year> my Chase checking account was frozen and eventually closed with our notice. 

called chase and they stated my account has been closed because of fraud activity. They also said someone ( they told me the name of complainant and the transactions ) that has sent me money through XXXX made a fraud report about 5 transactions he had sent to me. 

I spoke with the person that allegedly filed the fraud against these transactions ( my husband did a construction job for him and those were the payments ) and he denied it. Chase was informed of this and they said they were doing an investigation. 

Chase stated that Upon the conclusion i would get my money through a check. Ive called numerous times for the past 7 months and no one has been able to help me. All the chase reps say different things. 

At one point me and the person that had alleged the fraud XXXX payments went into a chase bank office. The chase staff said there was no supervisor and that they could not help us. They gave us a number to call. Which we did. This was around XX/XX/year>. When we called the person that had sent me the XXXX transactions spoke to a rep on the phone and basically told them those 5 transactions were not fraudulent and he had sent them to me. They dirtier states I would receive my money in a check around XXXX. 



I have not received a check. I called Chase again and a rep replied that there was no notes on the case or a check Being sent for the money that was on my account upon it being closed. They replied there was a fraud activity. I told her this has already been taken care of and she said there were no notes on it and to call back on 3 days. 

This situation is out of control. Im unemployed and chase does not want to give me back my money even after this person has called and said those transactions were not fraud. We even went to the bank in person. But no one has helped. Its been 7 months. Chase does not care about its customers. No answers are given, they are rude. 

I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with TransUnion, XXXX, and XXXX, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. Thank you.

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 2024-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I am a public employee and have made XXXX of XXXX qualifying payments toward loan forgiveness under the XXXX XXXX XXXX XXXX program. I have been in a general forbearance due to the XXXX litigation, which has prevented me from making the last XXXX qualifying payments needed for forgiveness. 

On XX/XX/year> I submitted an application to switch to an Income Based Repayment Plan so that I could continue making progress under the XXXX. On the Department of Education 's Website it says : " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' ( studentaid.gov/saveaction ) On XX/XX/year> I called MOHELA for the purpose of asking why I had not been moved into a processing forbearance despite submitting an application for XXXX. A MOHELA supervisor told me that they could not move me into a processing forbearance from a XXXX forbearance, and that MOHELA was not even processing XXXX applications for persons currently in a XXXX forbearance. She told me that this was based on Department of Education rules. She was unable, however, to point to any specific rules or written guidance that said as much, and had no explanation for why the Department of Education 's Website said the exact opposite. I asked to be transferred to someone above her level, but was told that nobody was available. She said she would put in a request for an " XXXX callback, '' but I do not believe it. 

After my conversation with MOHELA I called the Department of Education who confirmed for me ( XXXX ) nothing prohibits MOHELA from processing XXXX applications for persons subject to a XXXX forbearance and ( XXXX ) that persons who apply for an XXXX plan should be immediately placed in a processing forbearance even if they are currently subject to a XXXX forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been repeatedly contacting your office regarding accounts on my credit report that are in pending litigation and are inaccurately reported. I am extremely frustrated with the lack of response and demand immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: MO

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} INQUIRIES : 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 2024-11-12 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: IL

Complaint narrative:
I raised the below via XXXX XXXX. All that TransUnion has done is continued to restate the same irrelevant information that has absolutely nothing to do with my concern, despite me politely asking them to please respond only to my concern. Again, TransUnion, simply answer the below concerns, preferably by numbering, and do NOT provide any extraneous information just because your team wants to copy and paste information to breeze through concerns and look like your team is responding. You're not. 

Furthermore, you told me to unhelpfully contact your support team for a XXXX time, as if that did not start this complaint to begin with, which I did on XX/XX/XXXX to waste another hour of my time with a team who can't even see the XXXX  concern. Your team should well know this. You ( your executive team, or whomever reviews and responds to this ) is more than capable of providing a call given that your support team is incapable of providing any help, but you have refused to do so or even to address this.

Please answer the direct questions below : 1. I update my credit score daily with Credit Karma and, as of XX/XX/XXXX, I had a decrease on TransUnion 's side of about XXXX points. When I checked what changed, a balance decreased and a hard inquiry was removed, so I shouldn't have had a drop like this. Can this please be clarified? There are no errors on the report- it's the corresponding positive reasons that should not result in a drop. Again- unlike what was stated by your company in the XXXX XXXX XXXX updates *up to* once per day, not every 7 days as your team incorrectly mentioned. Likewise, I have seen your credit bureau update with XXXX daily. They are your partner, and they get their information directly from you. They have stated that this score and the corresponding factors come directly from TransUnion, which is correct. This is a TransUnion issue, you provided the XX/XX/XXXX report to XXXX, and I need you to, again, provide context per the above as it does not make sense. This is not a CK issue, I have already contacted them. Please do NOT generally tell me how scores are calculated. Address the specific points I have mentioned above.

2. Please confirm that you have left a complaint for the manager XXXX, who also did not answer my question and refused to escalate, per chat XXXX. Again, this was completely ignored in the XXXX  despite me stating multiple times.

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 2024-11-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
Received a letter from XXXX Mortgage XXXX XXXX regarding payments of property charges for insurance and property taxes. 
They stated they advanced funds of {$6300.00} to pay the property charges. 
However I had paid these from from my own account and had sent them documentation to verify my payments. 
Now they are requesting payments for the amount due or will begin foreeclosure proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts on my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be removed to protect my credit and identity. 
Accounts to be Blocked and Deleted : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Here 's the revised letter with the additional citations : Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my Bank of America account, number XXXX. Despite numerous attempts to rectify these issues, both directly with Bank of America and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 
This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold Bank of America accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted Bank of America to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims.

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding Bank of America accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA.

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2024-11-12 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: NY

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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.

EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER:XXXX
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E EXPERIAN, TRANSUNION & EQUIFAX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, EQUIFAX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX. IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation