vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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:
My bank account was frozen and garnished without any notice from Bank Of America on XXXX XX/XX/2023 I filed a complaint with the bank in XXXX. 
A notice of Bankruptcy and Auto Stay was filed on XXXX Bank Of America continued to take out fees knowing the account was frozen XXXX XXXX A notice of discharge was filled XXXX XXXX Motion to quash garnishment filed XXXX XXXX Dismissal of Writ of Garnishment filled I spoke with customer service /Legal Team at BOA for 6 months straight. 
I faxed over documents to BOA Legal team in XXXX to have the funds released. I was told that their name needed to be added on to the doc. 
XXXX XXXX I sent over the dismissal of writ to BOA which they said needed to come from the agency that filed even though it was the same court document that was e-filed with the courts and mailed to BOA attorney. 
I spoke with customer service on XXXX and was told to give it a few more days. I checked my account today and both my savings and checking account were closed w/o any notice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Trying to get reimbursed for lost payments from a XXXX  trip to XXXX  that we could not make due to contracting XXXX  right before the trip.. we have a Chase saphire card that comes with trip insurance. we submitted a fully documented claim with eclaims online card benefits in XXXX, and have received numerous emails and phone calls requesting the same documents over and over, which we continue to upload to them.. each phone call and email keeps requesting these items. now, after all this time, they say we have't proved XXXX, although we sent a doctors letter and proof of XXXX  for XXXX. They are demanding I furnish the actual positive XXXX  test. That is impossible because I took home tests that no longer exist. I consulted with the physician and I submitted the physician 's report. This requirement is impossible to comply with and it is not specified in the policy. 

We are trying to be reimbursed for missed flights, and a hotel deposit that was not refundable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: EQUITY LOANS LLC
State: NJ

Complaint narrative:
My taxes have been reassessed for the new year as the house is a new construction. My taxes dropped by {$5300.00} a year. The old tax amount was {$13000.00} and the new tax amount is {$8600.00} and EPM Mortgage company has submitted that my new taxes are {$19000.00} a year. I have requested for EPM to view the tax documents received from the town and to update our tax amount. This has been ongoing since XXXX. Everytime I call EPM no one knows what they are talking about. They have raised my monthly mortgage payment well over {$5.00}, ooo when it should in fact be a lot lower than what I was originally paying since my taxes went down about {$5300.00} a year. I've requested multiple escrow analysis and updates to our tax amounts. Nothing has been done to correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX at XXXX XXXX UTC I received an email stating I was not approved for the Gold Sky Miles American Express card. 

XX/XX/XXXX at XXXX XXXX UTC I finally got through to customer service who transferred me to New Accounts department which is based out of XXXX. I spoke with a woman who, when I asked to speak with an underwriter refused and asked to help with the issue. 

I stated my issue as I gave my social security number and didnt get a service in return. My social security number is a financial instrument for American Express. I wish to rescind my authorization of my social security number. 

She then transferred me to her supervisor who verbally promised that all personal information used in the application process is stored for a limited amount of time in our computer system then deleted. I asked for a written statement of this procedure for timelines, date and sufficient evidence that thats what the company will do since I was not approved. He said he could not provide that statement. I asked to rescind the use of my SSN ( which is a financial instrument for them ) again and he said he could not do that. I then asked to be sent to a legal department and again, underwriting and he said there were no such departments to contact. He gave me an address to send mail to the media team from an XXXX XXXX in XXXX, UT instead. 

So now Im worried for the abuse that my social security number may incur without my knowledge while simultaneously been given nothing in return for my social security number which has become a financial instrument for American Express. Also, that incompetent supervisors are the top escalation for these processes? He had no knowledge and absolutely no empathy for the depth of the situation involving my personal information. 

I demand an open ended credit line for the use of my SSN which I can not rescind/take back as well compensation of {$50000.00} for the inconvenience and negative emotional as well as mental impact the situation caused. The stress of explaining the situation to multiple representatives of a company who took my personal information with zero empathy and zero acknowledgment is so sever theres not even a price tag to put on it. {$50000.00} seems the least they could compensate me for the mistreatment and blatant fraud. 

EVIDENCE : 1. American Expresss card agreement. They blatantly state that negotiable instruments a.k.a financial instruments are also used to pay accounts. They, themselves use this terminology so I know for a fact the representatives I was speaking to also understood what I meant and what I was needing. 
2. GLBA classifies SSN as financial instruments 3. UCC 8 proof that my SSN is a security 4. Securities Act of 1933 outlines American Expresss role as Issuer of Securities and my role as Investor. They are punishable under the SEC and I will escalate this to them if my demands are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have been apprised of a legal action against me by LVNV Funding LLC, as conveyed through a law firm 's advertisement letter. The lawsuit documentation was transmitted to me via alacort 's website, a fact validated by the XXXX XXXX XXXX 's office. However, it was affirmed that a certified mail letter did not reach me, signifying an incomplete and inadequate service of process. In addition to the lack of proper notification, I have not received any supplementary legal correspondence pertaining to this lawsuit. 

Upon meticulous examination of the company and considering the experiences of fellow consumers facing legal action from LVNV Funding LLC, it has come to my attention that the company is reputed for deficiently informing individuals about lawsuits, potentially leading to default judgments against defendants. Not only does this legal action appear to be time-barred, surpassing the statute of limitations in Alabama, but the absence of proper and lawful service of documents is a matter of great concern. The revelation of the lawsuit through a law firm 's advertisement is disconcerting, and I assert that such critical legal matters should be communicated in a more formal and prescribed manner. 

Furthermore, LVNV Funding LLC 's consistent violations of the Fair Debt Collection Practices Act raise serious concerns, warranting a thorough investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a corporate officer of XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. Hunter Warfield is a 3rd party collection agency, who wrongfully placed this debt on my personal credit. 

Hunter Warfield gave me these leases and account statements for XXXX XXXX, XXXX. These documents that Hunter Warfield provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: UT

Complaint narrative:
Experian furnished negative payment history on my credit report without any written consent or instructions from me, and without a subpoena from federal grand jury. 

- 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 : - ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

Per 15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

They reported 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Per 15 U.S. Code 1681 - Congressional findings and statement of purpose Experian has ASSUMED the role in assembling and evaluating consumer credit and other information on consumers.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

I am seeking damages up to {$50000.00} for the 19 negative transactions furnished to my credit report, for the adverse actions that continue to arise because of their negative reporting and for the physical harm it has cause my family and I. I will also be filing a complaint with FTC.gov

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am extremely frustrated with the recent experience I had with my XXXX credit card. I tried to use it on a personal matter, only to find out that it mysteriously disappeared from my XXXX XXXX. Annoyed and concerned, I reached out to Chase Bank via phone on XX/XX/XXXX, around XXXX pm to get some clarity on the situation. Shockingly, they informed me that my card had been revoked without providing any substantial details. 

In an attempt to resolve this matter, I insisted they send me a written explanation regarding the revocation of both my personal and business credit cards. Despite visiting a branch on XX/XX/XXXX, and escalating the issue, I am still left in the dark without any satisfactory explanation or the reinstatement of my credit cards. This lack of communication and resolution is highly disappointing and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have two Complaints. The First is for the XXXX XXXX XXXX ( XXXX ) I lived in these apartments called XXXX XXXX, in the month of XXXX I got sick because the carpet that this apartment has caused me allergic problems and very bad for my health and the doctor demanded that I immediately leave that place. I submitted medical reports and they didn't care even though I sent them a medical report from my GP about my health. They only said you have to fulfill the contract and pay. 
However, at no time did I refuse to pay XXXX XXXX, they also told me that I had a benefit from a DEPOSIT INSURANSE. 
The full bill was {$4200.00}, but with the Deposit Insurance I would pay {$1800.00} of the total debt. What I would have to pay in total would be {$2400.00}. 
They told me we are going to wait for the insurance to pay us the {$1800.00} and we will notify them so they can pay the rest of the money. I received a call asking me to go pay, and I told them that week I'm going to pay them the fee. When I went to XXXX XXXX they told me your account was sent to Collection to the Hunter Warfield Company, you now have to settle with this company and not with us. It seemed unfair to me because I never refused to pay them. They also forced me even though I had a health problem. 

The Second Complain is the following : Days later I received a call from Hunter Warfield Company. They told me that I had a debt with them, they told me that I had a total account of {$1800.00} regarding my account with XXXX XXXX. I told them that I had no problem paying it at once. So we did it and they told me that everything had already been paid in full, the entire bill. To my surprise, days later I received another call and they told me that I had another debt with them of {$2400.00}. I was confused because they had already told me that everything had already been paid. 
I immediately went to XXXX XXXX and told them that Hunter Warfield Company was charging me another amount. They said that they should not charge me for that account that DEPOSIT INSURANSE had already paid them. They printed me the email that Deposit Insurance had sent to XXXX XXXX. 

The Hunter Warfield Company does not want to listen to me even though I have sent them all these supports, they demand that I pay the entire bill. Meanwhile, interest is accumulating and my Credit is being affected. 

Please help me. 

XXXX XXXX. XXXX XXXX ( XXXX XXXX. Manager ) Tel : XXXX Hunter Warfield Company Tel : XXXX Deposit Insurance ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Tel : XXXX I am XXXX XXXX Phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX.I signed up for the Texas Mortgage relief program to assist with mortgage payments and I was approved, but I received an email in XXXX that Chase was not communicating with them and then in XXXX I received an email from chase stating that they were transferring the loan to XXXX XX/XX/2024 they never did that. When I checked on the account it stated that it had started the foreclosure process. I am confused. XXXX is still stating that they don't have a loan for us. 
XXXX. My POA was asking them about the different signatures on the original paperwork as well as the missing signatures on some documents XXXX. They have not been helpful or will to fix anything even though fraud was pointed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My credit score keeps declining due to Navy Federal failing to report that my statement balance of {$2000.00} has not been paid off. My credit score has dropped XXXX points since XX/XX/2024. I have been paying off my balances on time, but the delay on reporting my debts have been paid off has taken away all the work I put into building up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation