vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to express my deep dissatisfaction and disappointment with the customer service experience I recently encountered when seeking assistance from your institution. 

On XX/XX/XXXX, I called your customer service helpline in order to resolve an issue related to my account. Specifically, I had changed my phone and was unable to access my account as a result. While I am still using the same phone number, I needed guidance on how to regain access to my account. 

To my dismay, the customer service representative I initially spoke with displayed a distinct lack of professionalism and courtesy. Although she made efforts to assist me, she was unable to fulfill my request. Subsequently, I was transferred to a manager representative named XXXX, who exhibited an even more egregious level of rudeness. From the outset, he did not allow me to speak, raising his voice and demanding that I listen to him " before he hangs up. '' This disrespectful behavior left me feeling deeply upset and disrespected. To make matters worse, XXXX proceeded to call me names, such as " stupid, '' before abruptly ending the call. 

Distressed by this treatment, I promptly called back to report the situation to another representative. However, after providing my information, the call was disconnected abruptly. Subsequent attempts to reconnect were unsuccessful, leaving me unable to rectify the issue. This is particularly unfortunate given that it is the holiday season, and my funds totaling over {$2000.00} remain locked in my account due to the representatives ' failure to address the matter effectively. As a result, my family and I are now facing unnecessary hardship during what should be a joyous time. 

I find it highly offensive and utterly absurd that a financial institution of your stature would permit such unprofessional behavior from its employees. I had expected a higher standard of service from your esteemed organization and believe that every customer, regardless of the situation, deserves to be treated with respect and dignity. 

I kindly request that immediate action be taken to rectify the issue at hand and ensure that such behavior is not tolerated within your organization. 

Thank you for your attention to this matter. I trust that you will handle my complaint seriously and take the necessary steps to address the issue promptly. I eagerly await your response. 

Yours sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
fraudulent appraisals were used by appraisers who one had already been reported to the state and the other whose report was so fraudulent and biased it was unbelievable. he has also been reported and complaint in process. the banks representatives and crooked attorneys foisted these bogus appraisals on us and sold one of our assets by misrepresenting and defrauding us and the court. they knowingly and with malice knew these appraisals were XXXX and XXXX my XXXX XXXX XXXX mother with XXXX out of her/our property. this was supposed to be a trust but is XXXX instead. we have been accused, denigrated, demeaned, intimidated, railroaded and frauded at their whim. the pseudo lawyer representing Bank of Texas has been egregious and treated us all with malice and abuse. we lost a key piece of property and 23 % of our assemblage thanks to their criminal behavior. this took place on XX/XX/2023 and was all in the interest of the lawyers taking vast amounts of monies for themselves under the auspices of protecting my mother when all they were doing was feathering their own nests. I have massive amounts of information and files if you will even bother to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/23 my daughter, XXXX XXXX, age XXXX, and I went to the PNC ATM on XXXX XXXX, XXXX, PA where she attempted to deposit {$140.00} cash into her student checking account, of which I am part owner. The ATM machine malfunctioned during the transaction and kept {$80.00} and spit out {$60.00}. We immediately called the PNC customer service line and were told the issue would take XXXX business days to resolve. This is unacceptable as my daughter was depositing the funds to use for XXXX shopping! 
On XX/XX/23 we called the branch directly and spoke with XXXX, explained the situation, and asked if they would check the machine that day and return the funds. She was not helpful, not understanding or compassionate. I asked to speak to a manager and she said no one was available and she said a dispute would be filed and it could take two weeks to be resolved and there is not a guarantee that the money would be returned to my daughters checking acct. At that point I told her I was extremely disappointed in PNC and they needed to escalate this to a higher level because it seems as though they are just taking advantage of a child at this point. No one cared to give this matter any attention since she was not an important customer to them. I told her I would out this situation on my social media so that others were warned to not deposit cash into that ATM or they would potentially lose their money. Later that day ( XX/XX/23 ) I received a call from XXXX XXXX who said he was calling because I threatened to 'go to the media ' with my concern. I explained the situation and he said he would get back to me on XX/XX/23. That day came and went and no call or email from him came. That evening I emailed and said that I would be filing a complaint with the CFPB. On XX/XX/23 he called and said that there would be a complimentary credit made to the checking account of {$80.00}. He asked if I would still go forward with filing the complaint. Obviously, this resolution was expedited as PNC did not want a complaint filed. I am extremely disappointed in PNC and am filing this in hopes that the process will change and a customer will not be out cash money again due to the failure of their equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: IL

Complaint narrative:
I am writing to officially dispute a number of errors, discrepancies, and unfamiliar accounts that have surfaced on my 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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
Freedom Mortgage Corporation charged me {$110.00} in late fees when I have not missed any payments. They did not provide me with any late fee notifications or let me know they were charging me fees. My loan payment was paid regularly on the XXXX and XXXX each month as was set up by their auto pay system that they strongly encouraged. I filed a form and an online request that Freedom Mortgage picked the dates of the XXXX and the XXXX for payments. Now, they are stating my payment of the XXXX is late but I was only notified today on XX/XX/2023 rather than months ago when the auto pay was set up in XXXX. I can not believe they will not waive the fees as they never sent me any correspondence or statements showing a late fee until today I was sent a vague email to log on. In talking to customer service they said they would escalate it and never did. They never sent me any information or provided any reasoning of why their auto pay was causing me late fees. There are not late fees shown in my history attached.

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 2023-12-21 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. MIDLAND CREDIT MANAGEM has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for and was approved for this credit card. Part of the terms of the bonus is that you need to spend {$1000.00} within the first 90 days of opening the account to qualify for the bonus. 

After i was approved, a screen popped up that said i would receive the physical card in 10-14 days, but could have my account info texted to me so that i could use it immediately. I clicked on that and they sent me a link where i could add it to my XXXX XXXX account. Well i do not have an XXXX XXXX account or ANY XXXX  product, so that is useless to me. They didn't mention it ahead of time, they said " to be used in A digital wallet ''. They neglected to state that anyone with a non XXXX  phone is screwed. Why did they not state this until after they have hit your credit with a hard inquiry and approved your account!? What kind of company alienates nearly 50 % of its users who don't use a specific brand of product?!?

I then called and asked for my account info so that i could use it digitally and was told that they could not give me my account info that i was approved for. This is after they dinged my credit with a hard inquiry mind you. They said it was not secure to tell me my account info so i told them to text it to me. They said that wasn't secure either although they sure felt like it was secure enough to send it to me to use in a digital wallet that i do not own!

I then told them that all my other credit card companies would overnight me a card to use, so can they send it to me expedited? No, they refused that as well!

This is an intentional scam! They want you to lose 2 weeks of your promo bonus period especially during the holidays when people spend the most money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
So i woke up on a XXXX  morning to a charge of {$300.00} from my BofA checking account, i called the customer service and they told me it was due to a collection from my previous account that was closed out in XX/XX/2022 ( almost XXXX years ago ). Now I have single idea of any account closed out in XXXX, no statement was sent to me, no mail, email, text message, calls was provided to me about such transaction or close out and now waking up to a debit of XXXX from them without any prior notice? I have asked them to send me receipts, evidence of the transaction, of the notice they sent to me which they never provided and i am seriously livid. 

Bank of America can not go around deducting cash from customer account whenever they choosing without any notice, arrangement or explanation.

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 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Credit Bureaus are not removing this incorrect information from my credit report TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " XXXX XXXX  XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that Midland may respond but not for up to 90 days. 
I then searched online and found numerous other complaints about both entities, XXXXXXXX XXXX and Midland Credit Management. 
These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TRYING TO COLLECT ON A DEBT I DID NOT INITIATE OR CREATE.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX  TransUnion Consumer Solutions c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , Illinois XXXX Dear XXXX XXXX, I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported.

Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged onXXXX, it is no longer current and therefore must be removed. 

I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law.

I demand that this error be rectied immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written conrmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated.

I do not expect to receive a verication of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. I trust that you will take this matter seriously and resolve it immediately.

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