vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been contacting Chase Bank since XXXX asking for assistance with my payments. My credit card debt is due to unemployment and no medical insurance in XXXX for a life or death heath problem. XXXX weeks prior I got separated and lost everything and was in a domestic XXXX shelter. When I started working again in XXXX, I was making less than 50 % of what I was previously making and although I had insurance I was still paying a lot out of pocket so finances were still tight. I have been working with a credit counseling company since XXXX of XXXX and they were not able to offer debt consolidation but suggested I get a loan and liquidate my assets. I now have a loan that I can not pay either and liquidated XXXX retirement plans. Because of this I had to pay an additional {$8000.00} to the XXXX in XXXX that I wasn't anticipating and that is why I am falling so behind. I contacted all of my creditors back in XXXX and they all put me on the XXXX 0 % interest payoff plan and closed the account. Chase is the only bank that will do nothing to help me. I have spent hours on the phone with their customer service reps, and in the past month or so includes XXXX : XXXX minutes, they denied my request and told me to call back in XXXX days, XX/XX/XXXX : XXXX hour and XXXX minutes until their rep got frustrated and hung up on me, then XXXX  days later on XX/XX/XXXX : XXXX minutes and they told me I had to wait XXXX days, so recently XXXX I called back and the call was XXXX hours and XXXX minutes. On XXXX I went into a Chase branch, I explained that I am not getting anywhere with the call center and they recommended coming into a branch. The woman called the customer service number and once she told them who she was they asked to speak with me. She left the room for XXXX minutes while they told me on the phone they can not help me and I have to wait another XXXX days to call back. They are asking me about every single dollar I spend, like how much I spend per month on dining out, and I can not even afford groceries. None of my other creditor interrogated me like his and then told me I don't qualify for a hardship plan. I spoke with their consumer credit company and they also were not able to offer a solution either. I am also working with my City/County offices and they can not assist, I do not qualify for any type of assistance for rent or food, nor do I qualify for bankruptcy. In the past XXXX  months I have paid {$8800.00} towards a balance of {$9900.00} but I still owe them over {$5000.00} because of the interest. Because they will not offer me a payment plan my account is now past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I visisted XXXX but unable to get reports from agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: MI

Complaint narrative:
Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2023-08-06 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: MI

Complaint narrative:
Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI 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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/2021 and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. 

At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. 

With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. 

I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws.

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 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
This account is a product of identity theft. It is not the first time that a collections company has tried to collect on this fraudulent account. Evidence has already been presented that I never lived in the United States during the period when the account was opened. Furthermore, due to the statute of limitations in Texas, this account can not be collected on anymore. I request that all entities help to stop these illegal charges as I am a victim of identity theft. Additionally, it should be shown that the collection company is licensed to make collections in Texas as they engage in bad collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: MI

Complaint narrative:
XXXX continues to report me owing a balance. This account has been paid in full and should reflect as such. 

XXXX is required to refund the remaining balance of my consumer account. I am now requesting the full amount due immediately to avoid legal action. 

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;

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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On XX/XX/2023 I tries using my Miles from my united XXXX XXXX card to book a hotel in XXXX. My credit card has a remaining statement balance ( in {$0.00} ) that was paid off in time and a total current balance of {$750.00} out of a total credit line of {$15000.00}. 

I have XXXX XXXX Miles available that could be used for booking hotels that are equal or under that amount with taxes and other fees or used partially with compensating the rest with money. I tries to use both option to book hotels through the united authorized website ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  ) but Keep getting an pop up stating that I should choose another payment method. 

I proceeded to try using another hotel option and was still getting the same message. I then called the UnitedXXXX number on the back of the card to ask if they could help me to book the hotel using my miles, they said they could not and gave me their partner number for hotel bookings ( XXXX XXXX ). When I called them, they said they could not help me and proceded to tell me I should call the number on the back of the card I called them again and they told me to call chase customer service and Chase told me to call the Milage number. In the end no one was able to tell me why i could not use my Miles for booking the hotel and I had to book the hotel using the United Credit card with out any miles. I want to understand why Im not able to use my miles in one of the formats they say you can use them. I think they are not letting me use my miles and dont want to answer why...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
Cedars Business Services sent me a notice to collect a debt on Behalf of the XXXXXXXX XXXX XXXXXXXX ( XXXX ). After reviewing the information, I ascertained that the original debt had not been noticed within the deadlines for notification and was therefore not collectible. When I attempted to get Cedars representatives ( 2, including a supervisor ) to confirm that the letter they sent me confirmed this fact ( both the date the deadline began ( XXXXXXXX  ) and the date of first notices ( XX/XX/XXXX + XX/XX/XXXXXXXX  ) were written on their letter, they refused to read the letter over the recorded line and to confirm that the debt was not collectible. I finally ended the call after trying to talk sense into someone who was clearly in the wrong and had no interest in the unfortunate facts. They were in my opinion very rude and abusive as I tried to call and handle this amicably. The first I am hearing about this is almost 40 months after the violation.. that doesn't seem right and I am glad I investigated. 

The letter from Cedars included both a notice with login information to pay the fine and information about previous reminders that had been sent by the XXXX XXXX XXXXXXXX, along with a copy of the Fine/Violation. 

The Violation notes that Article 201, paragraph 1 of the Traffic Code and art.386 of the Traffic Code Regulation govern the deadlines for notification - which clearly state that the notice must be sent to violators living outside of XXXX within 360 days. The Cedars letter confirms XXXX sent notices more than 13-months later in early XXXX The individuals I spoke to, including a supervisor- continually transferred me around and tried to obfuscate the facts instead of simply reading to me the facts that Cedars had already sent to me in their letter, which demonstrated to me that the debt had not been appropriately noticed and therefore was not collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
*** This is basically a duplicate of the one filed a couple minutes ago on my checking account, I'm just filing the same thing on the savings account so they can refund/close it too *** On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went!

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.

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 2023-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fait credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My home was foreclosed on after attempting XXXX Programs and modifications. We were later told our mortgage payments had been mis-applied to another customer with the same last name 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 2023-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear XXXX, We want to know how the Bank of America allowed the XXXX XXXX XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/2017 given that the Bank of America had first lien position on the property. 

According to the XXXX XXXX XXXX of Deeds, the XXXX  XXXX XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife XXXX XXXX XXXX XXXX were given at closing on XX/XX/2017. 

We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. 

Thank you, 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

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 2023-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts 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 to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, XXXX and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.

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 2023-08-06 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: LEXISNEXIS
State: NJ

Complaint narrative:
On XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One and XXXX continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

Capital One agreed in their terms and conditions agreed not to release my non public information to non affiliates. XXXX is not an affiliate of Capital One and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. XXXX is a private owned company does furnish reports based on profit. 

XXXX does not have my written consent to furnish ANY of my financial history with Capital One. 

Capital One is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.

Company response to consumer: Closed with explanation