vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Since XXXX I have been the legal and medical POA for my mom, who is suffering from XXXX XXXXXXXX. She has an account at Bank of America which her 2 pensions are electronically deposited into. In XXXX I drove one hour to the BOA XXXX XXXX, IL branch, which is the nearest branch to my home. I had a copy of the POA and my valid DL and other identification info. I was turned away because the POA was not original, it didn't have 'wet ink '. Since that time, I managed my mothers BOA account online until XX/XX/XXXX when I made another effort to have the POA accepted at BOA. I drove again to the same XXXX XXXX XXXX ( the branches do not answer the phone, the only way I've been able to make contact is through booking in person online appointments. ) only to be told I needed either a " wet ink '' copy or 'certified copy '. I asked if they would call my attorney ( who was also my mother 's attorney ), who had prepared my mom 's POA document and the branch manager refused. I called my attorney and he had never heard of such a request and said they legally had to honor the POA, regardless he prepared a letter of authenticity, he signed it and had it notarized. I drove 1/2 hour to XXXX to pick it up and 2 days later I drove back to the BOA XXXX XXXX office and presented to the same branch manager. He stated this is what they were looking for and had me take a seat while he forwarded to legal. After waiting an hour ( literally ) I was told 'legal ' was still not accepting it and they would not give me access to the account. I asked for a number for myself or my attorney to call to try rectify the issue, but the manager said he couldn't give me any more information. BOA has since blocked all online access to my mom 's account, so I/mother no longer has access to her funds. My attorney has stated I should do everything possible before initiating legal action. On XX/XX/XXXX I was appointed 'legal guardian ' of my mother by the XXXX XXXX XXXX XXXX XXXX XXXX . To top it off, on XX/XX/XXXX I received a call from XXXX XXXXXXXX XXXX who was investigating a complaint of alleged adult financial abuse. After several questions about transactions only from my mothers BOA account it became clear the complaint was filed by BOA. The questions included why did I spend my mothers money at a pet store, my answer was to purchase dog food for her XXXX XXXX XXXX that has lived with me now for more than a year. After several other questions, and the XXXX agent patiently listening to my frustrations with BOA, I believe the case/complaint is resolved with no wrong-doing on my part. I filed for legal guardianship of my mother, which I received in XXXX of XXXX ( I have attached a copy for your record. ) I still do not have access to my mother 's funds ... which she needs!

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 2023-05-30 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: NC

Complaint narrative:
On XX/XX/ around XXXX I was contacted by an individual claiming to be with Wells Fargo . the number they used was the Wells Fargo customer service number that I confirmed from the back of my card as soon as they called as well as verified with Wells Fargo later that day. The person in which I was speaking to started saying that I had suspicious activity on my account and read off the charges to me. Before giving this person any information whatsoever, I went on to my account and saw both charges in which she referenced. Both were atm withdrawals totaling {$1000.00}, one for {$770.00} and the other for {$230.00}. The location was 2 hours away from where I was at that particular time. Again, at this point I had provided no information that could have been used to access my account. Seeing the charges and having the person that claimed to be from Wells Fargo reading back to me what fraudulent transactions were on it I felt no reason not to proceed in the process that I thought was closing my debit card. upon seeing the charges, I immediately turned off my debit card and continued going the process I thought of deactivating the card and getting it replaced. shortly after the call was over, I had notifications that someone had tried to use it again for 2 transactions of {$2100.00} at a XXXX but fortunately the card was already off. Shortly after the call was completed, I went back on my WF account to check it and noticed the card was turned back on. At this point I became suspicious and reached out to WF myself. this Is when I confirmed that the original person that called was not with WF but oddly enough used the same exact prompts as the person I was now speaking with. A dispute was filed, and I was told I would know within 10 business days. On XX/XX/ I log into WF to check the status of the dispute and it has been closed. I call WF and have it confirmed that it has been closed but they determined it not to be fraudulent stating that my physical card was used even though it was in my hands 2 hours away from where the fraudulent transaction took place. As of today XXXX I asked WF to resubmit my claim. Also, I don't understand why WF did not notify by email that my claim had been closed... very unprofessional. I understand being scammed but I was not scammed out of the {$1000.00}. That money had already been fraudulently acquired from my account before I gave out any of my information. As noted, an additional {$2100.00} was declined twice once the card had been turned off.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I voluntarily CLOSED my XXXX  XXXX  account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I voluntarily CLOSED my XXXX Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have been waiting weeks on being refunded for bill payments to my chase card XXXX. I have called chase multiple times and was assured that this money was being refunded to the bill payment source. On my most recent call to Chase I was informed that the payment refund was delayed, and I was not given a timetable on how long it would take to receive the refunds. 
Below are the payments to card mentioned above and am including Chase acknowledgement reference numbers given by the billpayer. 

XX/XX/23, {$3900.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Got to car accident in XX/XX/2020 my car got total lost and they pick up the car from my home but they refused to pay more then 10 % of the loan because my insurance was just expired But the other car was in fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: NV

Complaint narrative:
Dollar loan center keeps harassing me at work, every day for last month. Telling my employer their name and how I owe money to them. Called my personal phone every day. I talked to them and told them I have health issues and waiting for 2 surgeries, cant make payments right now. Still calling every day. Called me yesterday on XX/XX/XXXX when I was off and told my coworker to tell me Dollar loan called and I need to pay my loan. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove this inaccurate account!

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 2023-05-30 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello, please update this account. I did not occur in any late payments

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IN XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

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

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
After my first class action lawsuits I filled out with CFPB. Sent paperwork that does not have the original signed copy I asked for they sent paperwork that Don't have my signature and the paperwork they sent has stuffed whited out and they only sent 2 of 3 items that is reported on my credit report. This is becoming and inconvenience to me and my credit I been dealing with this over a year so it needs to be removed off my credit report all 3 items and not added back I have sent certified copy 's and they are not doing what I have requested so now I am requesting money for the amount I paid for certified copy 's sent and my time dealing with portfolio recovery who has not done what was asked they are not the original owner of the accounts and they brought the accounts 3 party so no I don't owe them and I wanted off my credit report it is hurting me buy a home They are saying now that Portfolio Recovery Associates LLC now owns my account which this has been changed and now has started a new date on my credit report but been dealing with this for over a year all keep doing is selling this account over and over I am XXXX I can't get this taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
sent out a validation letter to XXXX XXXX twice once XXXX XXXX and XX/XX/2023 and still have not heard anything from them since they harass me at work and throughout the day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

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

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 2023-05-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

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

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I have a new VA mortgage  and the loan was assigned to a new company to service the loan, Newrez. I am trying to understand their process for setting up payments online, one-time and recurring, and explore how my wife and I can both make partial payments toward covering the full monthly amount. Their phone number does not work. I tried to engage with their support Chat on their website, which took an inordinate amount of time. The representative did not address my questions, but only told me the " easiest way to make a payment ''. They told me I could call in to make 2 partial payments, but their phone is NOT working! The only response I got from the Chat was to call a phone number that does not answer. It feels like this is not a real company nor are they responsive to questions and have no way for me to call and ask or discuss. This seems like a trap, forcing me to be unable to make a payment. I'd like to know how to change servicing companies, as the one I was assigned seems unable to respond to my questions in a clear way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am still attempting too remove accurate information from Financial Credit Network from my credit report. I have talked too and attempted to get payment for these charges through my insurance company but this company will not work with us. I have disputed this charge on multiple occasions. I have email 's with me asking for proof that this account belongs to me, proof of XXXX, the original documentation from the hospital with my signature or any other ORIGINAL documentation. They have received correspondence from my insurance company attempting to get the necessary information for payment with no attempts on this company 's behalf too solve this issue. Can this be removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account 1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX

Company response to consumer: Closed with explanation