vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I upgraded my old phone and mobile carrier ( XXXX XXXX XXXX XXXX XXXX  phone- ( XXXX ) XXXX ) to a new phone with a new mobile carrier ( XXXX XXXX XXXX ( XXXX ) XXXX ). I reported my new telephone number to Bank of America ( hereinafter BofA ) on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I explained extensively to BofA via phone, and, at my local BofA branch-at the insisting of the BofA phone customer service representatives, whom claim, your contact info can not be upgraded and as a result your BofA online banking services are locked indefinitely. Bank of America has refused to update my new telephone number and is locking me out of their BofA Mobile Online Banking App. BofA has, subsequently to my civil procedure communication with them, ( BofA ) insisted, and insists, that I go to my local branch with my identification to see local branch agent ( s ) whom will then contact other BofA customer service representatives elsewhere to validate my identification, so that I can gain temporary special access to my BofA online banking featuresat my local branch only. I have important automatic bill payments and one time monthly bill payments to schedule and manage regularly and need to regain access to my BofA Mobile banking App to receive important security alerts and two-step verification codes via text or email whenever I log-in to my BofA mobile banking App like I was doing before I upgraded said old phone to said new phone. I even requested to BofA to change my text 2-Step verification codes to email 2-verification codes, and BofA denied my request and continues to refuse to update my new telephone number for online banking purpose. I have filed other complaints against BofA for other wantonly malicious torts BofA has perpetrated against me, before. This is my fourth complaint I file against BofA and the XXXX  different intentional tort BofA has wantonly maliciously perpetrated against me. I have been keeping a meticulous banking responsibility with BofA for XXXX years to date living on a [ earned income entitlement ] XXXX XXXX Social Security XXXX Income, and I have [ verbally ] repeatedly asked Bank of America to cease and desist their harassments and infliction of emotional distress against me. I am requesting that my telephone number be updated immediately, so that I can keep a vigilant safety management of my checking account security with Bank of America via their online banking mobile app. Thank you for timely addressing this very important legal matter that is in accordance with my legal rights, per the United States Code of Federal Regulations.

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 2023-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I asked Chase bank where I have my Business Account to file a claim regarding a wire transfer which I sent to Business account in XXXX  XXXX XXXX, I got scammed I sent wire transfer to seller of product in the amount of {$59000.00}. 
Never recieved the product, Chase Bank opened a claim case number XXXX. Five Days later Chase Bank sends me a letter in Chase portal that Wire can not be reversed that I benefited from this wire transfer without even Bothering or investatigating or asking me. 
XXXX  XXXX XXXX trying to cover up their customer probably they are opening fraudulent Business accounts & now trying to protect their fraudster account holder XXXX XXXX XXXX is scamming people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

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.

I told Experian, to reinvestigate the account accounts on my consumer report. however they stated that everything was complete and accurate.How is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the rights to privacy.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states : 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 explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Venmo XX/XX/2023 My legal name was changed to my ID. I have all the documents saying that I changed it. So I wanted to change my name in Venmos records. My credit card says my old name and I wanted to change it. 

Venmo was very confusing and demeaning for my legal name. They said they cant update their system, so they told me to make a new account. They wont do it for me, they are forcing me to delete all the data I have on my account. This is unprecedented, every single financial institution changed my name. I had the proper documentation is thats all they needed.

I would like to find out if this illegal? Can they decline my request to change my legal name? I would really appreciate it. 

Thank you for your time, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both Trans Union and XXXX so initially the next morning I called Trans Union and XXXX and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to Trans Union and XXXX disputing this because theres nothing on file saying that you apply for credit I then contacted XXXX and Trans Union once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at Transunion. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.

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 2023-07-30 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: GA

Complaint narrative:
See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: NY

Complaint narrative:
I enrolled my XXXX XXXX  credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between XXXX and XXXX. 

Through this program, XXXX began making regular payments to XXXX to reduce my debt. Despite these regular payments, XXXX continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with XXXX on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by XXXX contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: NY

Complaint narrative:
I enrolled my XXXX XXXX  credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between XXXX and XXXX. 

Through this program, XXXX began making regular payments to XXXX to reduce my debt. Despite these regular payments, XXXX continued to report delinquencies on my account to Experian. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with XXXX on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by XXXX contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Central Mortgage Funding, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, I am a XXXX, decorated XXXX Veteran, and XXXX from XXXX and facilitate support groups for veterans with similar conditions. I am honorable and generous in nature, however through these transaction ( s ) I have been severely defrauded, emotionally and financially injured as a result of the predatory business practices of these companies. I need your assistance to seek restitution against this Company : Central Mortgage Funding. 

Facts and Details : On XX/XX/2023, I was contacted by XXXX XXXX at Central Mortgage Funding located at XXXX XXXX XXXX # XXXX, XXXX, MI XXXX, soliciting a cash-out loan for my dwelling. This company began collecting my information and promised to provide a loan at 5.75 % with {$290000.00} cash out and to close by the end of XX/XX/2023. I was advised by XXXX XXXX that they needed to obtain a Termite report and funding will be at the end of the month, XX/XX/2023, at no cost to me. 

Termite Inspector XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once these items were provided, I was advised by XXXX XXXX not to pay my monthly mortgage payment, as they promised to close the loan at the said terms described previously. There has been a very long delay and the XXXX XXXX XXXX continued to delay the closing, I called them after the inspection left a message it had been completed and it passed, and I have yet to hear from XXXX or anyone from the Company, I have called and left many, many messages. I am late on my house payment again. 

Eventually, XXXX  XXXX XXXX never provided the loan as stated. Because of the malfeasance of the XXXX XXXX XXXX and XXXX, I have been defrauded, misled and incurred significant damages. 

I further believe I was purposely advised not to pay my mortgage so my credit score would diminish, providing XXXX XXXX XXXX another angle to press me for additional fees and funds. 

The damages I have incurred : -A deficiency on my credit report of a Late payment due to XXXX XXXX XXXX advising to not pay my mortgage. This could also create a risk of foreclosure. 
-Multiple and unnecessary hard inquiries on my credit report, creating a deficiency in my credit score. 
-I have been misled, misrepresented, and lied to, which has caused me emotional distress and fatigue. 
-I have lost money due to late payments on my Home and Personal, which all my bills were supposed to be paid off.

-I am basically now in a greatly diminished capacity to attain a loan from another provider.

-Recently I've learned from my homeowners insurance policy is Central Mortgage Funding LLC is the Lien Owner on my policy.

Your assistance is needed and appreciated to stop this mortgage company from misusing and abusing citizens. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
I closed my account with Chime last week but my SSA check went to this account instead of my new account so I contacted Chime both via phone and email to get my account number and on the phone I was told that the customer service representative didn't have access to the information so I emailed them 4 days ago requesting my account number and all I received was a form letter about a tax refund. I am not required to file income taxes so I emailed them again and received the same form letter. I have to have my account and routing numbers so I can give them to Social Security to have my check switched to my new account. I can't pay my rent without this check and Chime is holding it up. Social Security will not change my banking information unless I have my old account number and I don't have access to my old account. Can I please get some help getting the information from Chime?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sent total of {$59000.00} wire transfer to this Bank of America Business Account ( XXXX XXXX XXXX ) account # XXXX, Bank of America responded wire can not be reversed, they are protecting their client bad business practices this is fraud scam business Scamming people stealing money from innocent people. Without investigating Bank of America refused to reverse my hard earned money. Bank of America is protecting fraudster account holder. 
I am suffering with emotional physical trauma I am depressed my account drained my business is suffering I dont want to become Because of this fraudster he took my money & never gave me product, he is not answering phones text messages. I want my money or I am suing Bank of America. This account # & business should be audited I dont know how many innocent people he scammed & stole their hard earned money.

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 2023-07-30 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: FL

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, XXXX XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.

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 2023-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both XXXX XXXX and XXXX so initially the next morning I called XXXX XXXX and XXXX and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact capital one so thats what I did. I contacted Capital One and Capital One said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to XXXX XXXX and XXXX disputing this because theres nothing on file saying that you apply for credit I then contacted XXXX and XXXX XXXX once again on that same call and had the capital one representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the capital one agent, and at the end of everything I was told that the capital one agent had to get off of the phone because they cant do conferences at XXXX. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which capital one could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both XXXX XXXX and Equifax so initially the next morning I called XXXX XXXX and Equifax and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to XXXX XXXX and Equifax disputing this because theres nothing on file saying that you apply for credit I then contacted Equifax and XXXX XXXX once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at XXXX. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. 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 explanation