vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My mother has a credit card through Bank of America. She has XXXX and is unable to handle any of her own finances, so I have had legal XXXX of Attorney for her since my father died last year. A few weeks ago, I received a notice from BoA XXXXs Estate Services offering their condolences about her death and requesting a copy of the death certificate. SHE IS NOT DEAD. I have called them twice to try to get them to remove the DEAD status from her record but so far have been unable to. I've been told I either need to bring her in in person, or I need to appear in person myself to be added to her account as PoA. My mother is in no condition mentally or physically to do this, and the nearest branch to me is over 100 miles away. Even though I have provided them a copy of the PoA papers, BoA has continued to state they have no way to resolve this issue remotely, and in order to even get their legal team to review the case and consider waiving this requirement, I must file an additional official complaint with them. After speaking to a BoA manager today, she agreed to file the complaint on my behalf, and said I would hear from their legal team in two days by phone, but there should be no expectation that they will be able to do anything remotely. We have already had bills that were supposed to be charged automatically to the card get rejected, and I am concerned the longer this goes on, there is a possibility that her " death '' will be reported to other financial agencies and Social Security, which will impact her income and ability to get Medicare benefits. I've asked who notified them that she had died, and all they will tell me is it was a third-party institution, not a person, but they will give me no other details.

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 2023-09-20 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: IL

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a checking and savings account with Chase Bank. On XX/XX/2023. I notice fictitious actions which was money moved around in my checking account. That I did not do. I immediately transferred the money I had to my sons account which we share. I went into the bank and withdrew the monies out of the accounts. 
After doing so I called Chase Bank to stop action on my ATM card. As I was speaking with them they ask me did I file any clams. 3 were with my XXXX XXXX XXXX payments and 1 was my car payment. I said no. So they reversed the claims back into my account. When speaking with XXXX XXXX XXXX they said that when they went to retrieve the payment back into the account it was declined. I called Chase back to discuss this and, they said, that when I went into the bank to get my money that I had taken the money that they put back into my account for the claim. I explained. That I took my money out of my checking account before I even contacted them and, canceled the claims that some one else had made. I was speaking to a supervisor at the time. I had been going back and forth and back and forth and they kept insisting that I took the money. I explained that whoever made the clams took that money. It was not me. Not only did someone steel from me my own bank stole from me as well. When I needed their help and they instead kept accusing me. Ive been with Chase for over XXXX yrs. The amount that lost was {$1100.00}. I have been going through a lot of pain and suffering behind them not believing me. Because of this my XXXX XXXX XXXX  bill was thrown into a 15 day notice. I cant ever use my debit card to pay my XXXX XXXX XXXX bill again nor my car payment. I have to find payment centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/2023 DEAR TRANSUNION XXXX : XXXX RE : XXXX RE : XXXX XXXX XXXXXXXX I AM NOT SURE WHY YOUR INQUIRIES DATED XXXX IS APPEARING ON MY TRANSUNION CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT, YYOU MUST ABIDE BY THE PERMISSIBLE PURPOSE PROVISION.

EITHER REMOVE THIS INQUIRY OR PROVIDE ME PROOF THAT THIS INQUIRY COMPLIES WITH THE FEDERAL LAW. 
THANK YOU FOR YOUR TIME, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX XXXX, I used PenFed Credit Union points to make a reservation from XXXX through XXXX to XXXX. 

PenFed chose to use their code sharing relationship with XXXX XXXX to book with XXXX XXXX XXXX XXXX. In addition to the points, I paid additional fees of {$39.00} using my Pen Fed Card. On my PenFed bill, that charge appears as XXXX XXXX XXXX. Note that the reservation notice sent to me by PenFed on XX/XX/XXXX, shows that the charge for {$39.00} was paid to XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX cancelled the original flight to XXXX and rescheduled the flight through XXXX. I had to pay additional fees. The fees I paid ( {$35.00} and {$97.00} ) to accept that change were also processed through my Pen Fed Card and paid to the aforementioned XXXX XXXX and to XXXX XXXX. 

On XX/XX/XXXX, I received a text from XXXX XXXX telling me the originating flight was cancelled. A follow-up call to XXXX revealed that XXXX XXXX was no longer offering that flight and no other arrangements could be made through them that would get me to XXXX in time to make my connection. 

As is my right when an airline cancels a flight for their internal reasons, I chose to cancel my reservation. 

I contacted PenFed through its agent ( identified in email as XXXX XXXX ). My points were restored, and I received an email on XX/XX/XXXX, asking me to provide EFT information so they could send me the funds due me. 

XXXX XXXX operates as a subsidiary as one or more of the following 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 Its now a month later and more than XXXX months since XXXX cancelled my flights and I requested a refund from PenFed. 

All of the agents operating in this matter were doing so under the aegis of PenFed rewards. Its time for PenFed to accept responsibility and refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
XX/XX/23 XXXX I deposited a check through Chime Bank Mobile Deposit feature. Before XXXX EST the check cleared with them. It was shown that my full check amount wouldnt be available until XX/XX/23. Which is over the 5 business days limit the mobile app states. Itll be 6 business days in total. I have called them multiple times on XXXX and was told by multiple Customer Service Reps that the initial day of depositing through the mobile app doesnt count. Even though their website says other wise. At this point in time chime bank is holding my funds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Since the inception of PHH taking over our servicing, we have had numerous erroneous accounting issues. Our figures have never been accurate. I am attaching 3 years of statements where you can see we have always made our monthly payments, but PHH says we are delinquent on paper, but when you call the CSR says you are current. I filed a XXXX  XXXX bankruptcy in XXXX due to husband losing his job due to covid. At the time of the bankruptcy we were behind on payments ( XXXX ) days. If you look at statements the amount of the pre petition arrearages changed, but how? The the post petition arrearages were paid current in XX/XX/XXXX in the amount of {$4300.00}. I specifically asked the CSR if this would make us current and she said yes. Then I receive my next statement that states I still owed over {$4300.00}. Now the current statement says {$9600.00}. I just do not understand what they are doing to us. I have asked for an accounting and I get nowhere. I just can not make sense of their figures. I have lived in my family home for 21 years and do not want to lose it! I have a severe XXXX XXXX and I am XXXX, I do not need this stress from them. Please any help is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: SC

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus 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 explanation
Consumer complaint received 2023-09-20 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: SC

Complaint narrative:
Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX 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. 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 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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/23 somebody took {$24000.00} out of my Checking Account. 
My mistake was that I had the Bank page open when I was talking to this person. I was complaining about getting many emails about XXXX subscription expire ( about dozen emails ) .He said ( fake of course ) he will see If I was charge and he will cancel such subscription. In the mean time he managed to move {$50000.00} from my Saving to my Checking. You can't make a transfer from Savings Account. Once money was in my checking account he transfer this {$24000.00} to his account at XXXX Bank. 
I think he installed a malicious software ( XXXX XXXX ) in my PC. I was told this at XXXX. 
I called my Bank immediately and they said it was a Fraud and cancelled my XXXX accounts. 
They connected me with Fraud Department and they said they will communicate situation to XXXX Bank for them to not let money go. 
It seems both Banks acted to slow. XXXX let money go next day even knowing it was a fraud

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 2023-09-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm submitting my complaint about the information that Experian has on my consumer fileXXXX XXXX XXXX XXXX is showing on my consumer file as {$29000.00}. When I contact Experian about this amount showing on my consumer file I get " been verified ''. I'm submitting the disclosure that was provided to me by XXXX XXXX XXXX XXXX and Experian isn't listed. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; According to consumer law under exclusions my information should not be shared. XXXX XXXX XXXX XXXX never stated in their diclosures that any information would be shared with Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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:
ive sent multiple letters to XXXX, Transunion, & XXXX None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in 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 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with Diversified Adjustment Services , they did not provide me with the original contract as I requested. 

Company Diversified Adjustment Services Opened XX/XX/2023 XXXX {$230.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief