vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ca XXXX Hello, my name is XXXX XXXX, I would like to cancel the equity line of credit, which I am not using at all. But Bank of America would not allow me to cancel even though I am not owning anything from this account. 

XX/XX/year> I had received a package, stating I needed to provided the active insurance policy for the above property. 

XX/XX/year> I submited the active insurance policy to Bank of America through provided web link. 

XX/XX/year> I got another package notify me that they didnt not get my policy and went ahead and purchased a policy on my behalf at {$730.00} and will pass that on me. I called Bank of America right after got the mail. And explained that I already submitted the requested insurance policy. But they told me it is not valid. They also mentioned that they opened escrow account on my behalf, and I should responbility on all of its fees. I was completely in shock how can the bank do that for its customers? Doing things without the knowledges and approvals from customers - and have them responsible for it. Thats very BAD practice. 

XX/XX/year> I kept calling Bank of America insurance department see if they could provide help to close this account which I repeatedly stated to them that I am not using, but the refused to help! 

XX/XX/year> I than went to my local Bank of America office see if they could help. They then told me I have to contact the insurance department myself because they could not calling on my behalf. I told them I did many times, asking to cancel the unused line of credit account, but the banker said they dont have power to help me cancel it. 

This is one of the worse customer service that I ever had with a bank institution, and its by far the most frustrating experience just to request and cancel an account. But did not get any help at all! 

So please help to close the above account because I am unable to get help with Bank of America service people. Please contact me at XXXX if you have any question. 

Thank you. 

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 2024-06-20 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: TX

Complaint narrative:
I have provided all necessary information and expect the listed accounts to be deleted and blocked within four business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been removed from the loan in question as the co-signer. 

The account is delinquent and has been reported as such to the credit bureaus, Experian and 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 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
On XXXX, I recieved a summons for a lawsuit in regards to a debt that I had asked XXXX XXXX XXXX to verify initially, I had not recieved that initial information.

The money that is believed to be owed was initially from First Security bank of bozeman.

Other information to note : Under federal law, under the general provisions of Gram Beach lilley act, banks are not authorized to disclose information to non affiliated companies, or must disclose what information is shared with companies. First Security Bank states on their website that they do not share with non affiliates. Therefore it is reasonably presumed that this company had obtained personally identifiable information protected under GBLA and financial privacy act of 1999, and the debt collector should not have been authorized to recieve that information because it is protected under federal law and the provisions set forth under federal law. Under FDCPA, XXXX XXXX XXXX must warn before attempting to sue, this can be found under 15 USC 1692 para 3. There was a current cease and desist that was not written in disclosure, but stated verbally. That does not invalidate the need to establish the invoking of legal remedies set forth in federal law under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To remove hard inquiries from my credit report XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXX/XX/year>, AND 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 non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I used my Apple Card at the apple store for a purchase. The product had a 6 month - we replace it, no questions asked guarantee. 4 months later, I presented myself and the defective product at the apple store and was rebuffed because I did not have a paper receipt. While at the store I called Apple Credit card and had them verify the date of the purchase, but alas since I didn't have the paper receipt I was rejected from exercising a warranty claim. This should be real simple given everything is electronic today. Apple store, apple card, apple product. Use electronics to verify I did make the purchase and then effect a warranty, but it didn't happen this way. Can the CFPB please pull the audio tapes of my numerous conversations with Goldman Sachs/Apple card and test my veracity? Goldman will not allow me to hear the tape. I do however have a text thread I can send which validates my position as true and correct. Pull the records and put some sunshine on them. I have submitted required pictures and documentation 3 times. Basically I feel Goldman Sachs is thumbing their nose at the law and challenging me to seek remedies with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 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: AZ

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-06-20 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MD

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from 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 2024-06-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Prior Investigation related to today 's matter CFPB # XXXX We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. That didn't not get fixed prior Investigation. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to today 's complaint .. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 5 ) ( A ) of the FCRA you are required to DELETE all information which can not be verified. You have not produced My written consent to furnish these Unverified inquiries. or that they are even mine Thank you. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I forwarded an insurance settlement check for {$210000.00} to Carrington Mortgage Services LLC for endorsement through XXXX. They are holding the check and not disbursing funds in a timely manner, causing me irreparable harm with my contractors and suppliers. When they did finally release ONE disbursement they sent it to XXXX, which has nothing to do with my XXXX or my setlement. Fortunately, a previous restoration XXXX was notified by XXXX that they had the check, or we still would not know where it was. I have written to Carrington directly and have not had any response from them. I have attached letters to them to this complaint. We need that money to pay our contractor and suppliers, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Reviving late fees after 24 hours past due date They will not reverse fees When asked to talk to manager I get hung up on or transferred to someone else only to have to start all over I have requested phone calls from managers

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 monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: WI

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XX/XX/year>, I sent an indorsed securities registered mail to Chase via the address listed in their prospectus located on the SEC website, under EX 4.R.2 4 ( see attached ). As an opportunity to cure ; Chase has now defaulted. 
Chase has asserted that they can NOT locate the securities that was signed for at their office on XX/XX/year>. 
I have provided Chase with the registered mail number and advised them that it was received on XX/XX/year>. 
Thus, Chase has lost the securities but has not discharged the debt according the UCC Article 1and has committed securities fraud. Additionally, per Chases prospectus under the replacement of notes states that they must cure. 
I have also attached the mailing address from Chases filings that correspond with the registered mail I sent ( see attached. ) Chase has committed mail fraud and securities fraud in which I will notify the federal agencies if Chase does NOT discharge the debt due to negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX, XXXX. for FDCPA Violations Dear Consumer Financial Protection Bureau, The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), which became effective XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The FDCPA also protects reputable debt collectors from unfair competition and encourages state action to protect consumers from abuses in debt collection.

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX. for violations of the FDCPA. I believe that this agency has engaged in abusive, deceptive, and unfair debt collection practices in my case. 

Specifically, the following violations have occurred : Harassment and Abuse : XXXX XXXX XXXX, XXXX. has harassed and abused me in the process of attempting to collect a debt. This is a clear violation of the FDCPA, which is designed to eliminate such practices. 

Failure to Send Initial Communication : XXXX XXXX XXXX, XXXX. failed to send me an initial communication before initiating a lawsuit against me in state court. This denied me the opportunity to validate the debt, which is a direct violation of 15 USC 1692g. According to the FDCPA : " 1692g ( d ) Legal pleadings : A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. '' Lack of Signed Contract or Agreement : I do not have any signed contract or agreement with XXXX XXXX XXXX, XXXX. There is no documented proof that I owe any debt to this company. 

Failure to Provide Master Account Sales Agreement : XXXX XXXX XXXX, XXXX. has not provided any master account sales agreement between themselves and the original creditor, further casting doubt on the legitimacy of their claim. 


The actions of XXXX XXXX XXXX, XXXX. are not only in violation of the FDCPA but also cause undue stress and financial hardship. I am seeking your assistance in investigating this matter and taking appropriate action against the agency to prevent further abuse and to protect other consumers from similar experiences.

Please find enclosed copies of any relevant documents that may assist in your investigation. I appreciate your prompt attention to this serious matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hard unauthorized inquiries are on my credit report. I had tried several times to talk to someone at XXXX to remove these two inquiries but has not yet received a response. the two inquiries are XXXX XXXX XXXX XXXXXX/XX/year> and XXXX XXXX XXXXXX/XX/year>.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief