vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint for BoA is tied to my previous complaint from Merrill ( BoA - XXXX ). Escalation to bank on XX/XX/XXXX. 

Upon my complaint on Merrill for the unjustified closing of my IRA account and your office calling Merrill I am getting additional retaliatory actions from BoA for raising the complaint internally and with your office. 

I have been in BoA since XXXX ( 34+ ) years. Today I got a letter issue on the days following my complaint. CLOSING my credit card which I have had since XXXX Credit limit over 33,000 and XXXX balance. NO EXPLANATION GIVEN. 

TODAY, I called the provided number XXXX XXXX XXXX. I was told account was closed because Your risk profile no longer aligns with the banks risk tolerance. I have build GREAT credit and the banks action with NO LOGICAL ( nor provided ) justification is UNACCEPTABLE. 

During this conversation, I was also told that my CHECKING & SAVINGS accounts will also be closed effective XX/XX/XXXX. OF WHICH NO WRITTEN COMMUNICATION has been issued. I have direct payments from this account and direct deposit from my ONLY source of income to this account. MOVING my accounts to another bank when my company requires at least 2 billing cycles to effectively route the first direct deposit is potentially impacting my CREDIT and livelihood ( Well-being ). Furthermore, it is causing a financial burden. 

There is no reason for BoA to take this action on a VALUED XXXX XXXX client. 

I believe these further actions taken by Bank of America BoA are RETALIATION for the complaint issued/ raised to your office. I believe we are being WRONGFULLY PROFILED through aN ALGORITHM.. and upon review BEING DISCRIMINATED/ RETALIATED. I have been a GOOD law abiding citizen whose sole income comes from a pharmaceutical company .. this is hard earned money and the actions takin by the bank are unacceptable. 

I NEED TO KNOW what the initial ( IRA ) decision was based on. I need to know why this retaliatory action is being taken to bully me and my family from the bank we have been in for the past 34+ years. 

This has and is VERY stress-full and unprovoked. The decisions taken by the bank are not logical and if there were a question could be EASILY ANSWERED. XXXX was simply not down in good faith. I have Nothing to hide. All my single source income is clearly included in my FEDERAL. INCOME TAX STATEMENTS. 

I need for this to be addressed. The bank seems not to care about complaints and not worried about the power of your federal entity. They have loopholes around it. BoA he further punishes me for complaining.. I complained and they canceled my credit cards, checking and savings account THIS IS ABUSE OF POWER.

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 2023-05-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: TX

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. 15 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 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
PNC Bank is our mortgage holder. They debited an extra almost {$400.00} from my account on XX/XX/XXXX. When I reached out to find our why, they said to contact our County Assessors office because our taxes increased by about {$4000.00} a year. They advised that my new tax evaluation for 2023 is over {$5000.00} a year. After confirming with our County that our taxes only increases by under {$100.00} for the year. ( {$1800.00} per year ) I contacted PNC to request immediate correction. I was advised that I would hear back from PNC escrow analysis team within 3 business days. 4 business days passed and I had not heard from anyone. I reached out via email requesting immediate resolution, I received a voice message that there was a miscommunication regarding the amount of time it would take for me to receive a call back. I sent another email requesting immediate resolution or I would be forced to file a formal complaint. I have not received answers, a timeline, or even an apology. PNC 's escrow analysis team made a huge error, and because of their error, we are short {$400.00} that was intended for other bills. PNC advised us that they sent us notice on XXXX regarding the increase, I advised that I did not receive notice. I understand that mistakes happen but I don't understand the lack of customer service, respect, and integrity to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with transunion for all inaccurate information on my file that needs to be removed. this has been an reoccurring issue that needs to get fixed asap. please review an delete the requested information to help clear my credit report asap.

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 2023-05-23 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: CA

Complaint narrative:
I redeemed two plane tickets with XXXX XXXX using credit card points on Chase Travel that were refundable on XX/XX/XXXX. However, when I tried to cancel the tickets a few months later, Chase Travel informed me that there was a {$200.00} cancellation fee associated with each ticket. Each ticket is worth {$220.00}, so this would mean the refund would be {$50.00} after accounting for {$400.00} of cancellation fees. I explained that the email confirmation I received classified the tickets as refundable, and there was no way for me to see the {$200.00} cancellation fee online when booking the tickets, and this was also not displayed when I logged into the Chase Travel portal to view the trip. At the time, I opted for a voucher because the representative kept insisting that the fare was unrefundable. However, after looking into the email confirmation further, I did not think this was a fair outcome as I believe Chase Travel deceived me by hiding this cancellation fee. 

I contacted Chase Travel again on XX/XX/XXXX to explain that I had a refundable fair per my email confirmation, but they again reiterated that in their system it shows as non-refundable. This information was not accessible by me, and this cancellation fee was only communicated to me after I called Chase Travel. Each call with Chase Travel takes 40mins+ after going through verifications and explaining the situations- this was my 3rd lengthy call with them on the same issue. This is a very long time suck to access basic information that is critical to my decision making when redeeming my points initially. 

I submitted a XXXX complaint on XX/XX/XXXX, and received a response from Chase today, XX/XX/XXXX, stating that my fare was refundable, but with a {$200.00} fee for each ticket. I looked at XXXX XXXX refund policy ( XXXX XXXX XXXX ) and there is nowhere on the website that states there is a {$200.00} fee associated with a refundable fare. I do not believe Chase conducted fairly, and in fact, engaged in Unfair practices by misleading me on the fare type, and by hiding a very large {$200.00} cancellation fee per ticket from their written communications to me. 

While Chase offered to credit XXXX reward points that's worth {$93.00}, my initial redemption was for XXXX points, which is worth {$450.00}. The credit does not cover the majority of my cost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Moss Law Firm, P.C.
State: TX

Complaint narrative:
The attorney 's office, Moss Law Firm, and the original creditor, XXXX XXXX, are not accurately reporting the original balance on my credit report since the charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Based on the balance on my account, Chase intentionally processed higher transaction expenses first so that it will be able to charge overdraft fees for insufficient funds. 
On XX/XX/2023 I was charged 3 separate overdraft fees of {$34.00} each, totaling {$100.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} I spoke to XXXX about the excessive overdraft charges on XX/XX/2023 and asked to speak to a manager, who also refused to refund the fees. Chase knows that I have been a customer with them for many years and always have income coming into the account. Yet the little income I make, Chase also takes it with its overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance with the fair 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 a account without my written instructions.

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

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
TODAY DATE XX/XX/XXXX Experian credit bureau XXXX XXXX XXXX XXXX Account number XXXX CREDITOR bankruptcy XXXX XXXX  According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH EXPERIAN, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
TODAY DATE XX/XX/XXXX XXXX credit bureau CREDITOR REGIONAL ACCEPTANCE CORP Account number XXXX CREDITOR bankruptcy XXXX XXXX According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH XXXX, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA 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 2023-05-22 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:
XXXX XXXX and EXPERIAN are obligated by the Privacy Act of 1974 to protect my rights against unwarranted invasions of my privacy. On XX/XX/XXXX for the second time in XXXX XXXX XXXX shared my personal information to include my transactions and experiences to EXPERIAN XXXX which is a third-party company. Experian also shared my data with XXXX which is also a third party company. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. XXXX XXXX and EXPERIAN are liable under the SEC to follow certain rules. XXXX XXXX Commission file number .1-7657. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX ( Trustee ). In addition to this complaint, I will be filing a form 211 treasury omb forms to have my consumer account audited. I am aware that EXPERIAN is securitizing my consumer data, but continues to break the law by sharing my data with third party companies.

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