vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am definitely not ok with this decision as longtime customer and the way I was treated from the beginning was absolutely not kind. Also the fact I was told on Wednesday night my account would remain open if I could bring current. Your one representative treated me so unkind as I spoke to 5 total one being in executive branch. I was also told several different things from different reps and believe that reopening my account should be honored. I plan to continue to take steps and definitely voice how I was treated. You do not treat longtime customers. I guess because I am not a wealthy XXXX  vase doesnt value its customers. I am a mom struggling as is after Covid getting back on feet and live paycheck to paycheck so I guess doesnt meet your standards. I deposited something believeing the person who gave me so instead of punishing them you make my life harder. All of my XXXX  accounts which money has tried to pull my sons XXXX  and everything else in our lives is tied to this account and I just believe in common decency and this is not. I understand you have the right to close and what I read. I also XXXX XXXX XXXX XXXX so I definitely know how it works and maybe you need to train your customer service on all ends to be kind and if they something honor it. I definitely made above and beyond every effort since Wednesday when speaking to representative on phone yo bring my account current to remain open as promised. You rejected my deposits Friday XXXX so then I was advised by an incredibly helpful branch manager to hold off and the XXXX. I made to deposits yesterday and one today XXXX. All rejected so this is absurd. I am not trying to be difficult or unkind myself but after how I was treated I definitely plan in filing a more formal complaint. I do not agree and would appreciate your reopening my account. I am doing this alone and its not easy. How about lifting your customers up and having my back and not pushing me down or making things harder especially for customers 10 plus years. I dont deposit bad checks and never would. I trusted the person who gave it to me and now my life is turned upside down and I am punished. All they got hit with was probably a fee. I am sorry honestly if this is how you choose to treat customers I should want to bank with you but after working for you I also know your better than this and hoping you do bette. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.

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 2022-07-07 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have sent 2 letters on XX/XX/XXXX and XX/XX/XXXX to Genesis FS Card Service regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO 30 day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. Genesis card services sends a letter saying they can't show favoritism and remove the 30 day late pay? Is Genesis Card Service aware that they are violating laws? 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
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 2022-07-07 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: GA

Complaint narrative:
The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, experian & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with zero progress made to remove these inquires. 


Experian XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & Experian XXXX XX/XX/2021 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 2022-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXXCommenity Bank website has been down for almost 2 weeks. I cant log in or make a payment. Ive tried calling in to make a payment and received a message to call back multiple times, a couple times it gives me a menu to be able to make a payment but then it cant process the payment. I have gotten through once and supposedly processed the payment but it hasnt come through my account and when Im able to get through to a menu its not giving that payment information as the last payment and I cant get anyone on the line to talk to in order to see if the payment is going through or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from someone named XXXX XXXX on XXXX : the email claimed to have been sent from a bank of America " resolution XXXX ''. The email stated that bank of America had received my CFPB complaint aand it instructed me to call a number, because they needed to verify that I submitted the complaint to the CFPB. The email said BANK OF AMERICA COULD HELP me resolve the claim, but I needed to speak to them via phone first. 

I called the number and extension on the email multiplee times on XXXX and left multiple voicemails. I even called the BOA customer service number and none of the representatives were able to connect me with XXXX XXXX or another resolution XXXX regarding the email sent to me. ***I will attach screenshots of SOME OF the times. I called XXXX XXXX, BOA, AND SCREENSHOTS OF ME TRYING TO CONTACT XXXX XXXX VIA XXXX. 

XXXX XXXX NEVER RESPONDED BACK TO ME. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a similar email from another resolution XXXX claiming to be from BOA on XXXX REGARDING MY NEEW CFPB COMPLAINT. I called his number and I left him multiple voicemails today. 

It seems to be that boa has the resolution XXXX  send me emails regarding my CFPB complaints and in the emails they send me it clearly states they need to speak to me via phone in order for them to assist me with my CFPB complaint. So far they have a pattern. A pattern to give a phone number and extension to call and they don't. Answer or respond to my voicemails. 

Since they don't make voice contact with me they don't help me with my CFPB claiim

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 2022-07-07 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: NJ

Complaint narrative:
Please provide original copies of the contract with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations on my consumer report. 

Please see attached.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received an email from American Express today, XX/XX/2022 that a new tradeline has been opened. This was not done by me. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
So XXXX XXXX and i am so XXXX, theyre giving us a hard time. So much effort, money and time. We are supposedly to be treated equally. We dont deserved these. 
On 1st week of XX/XX/XXXX, I requested and inquire about Loan Assumption since we have an FHA Loan, our mortgage is assumable per their office. They ( XXXXXXXX XXXX-Lakeview/XXXX ) sent the Loan Assumption Packet dated XX/XX/XXXX and was receive only on XX/XX/XXXX which need to be filled up, signed & w/ completed requirements, Within 30 days grace period and need to be submitted on or before XX/XX/XXXX. So i was rushing, emailed on XX/XX/XXXX and waited for more than month and has been denied due to XXXX missing legal document, which Deed of Transfer If i dont call them, we will never know what is missing, not updating us the status nor any progress of our application if i dont bothered calling them almost everyday, we are waiting for nothing. We have the right to be informed what is the progress or if we are incomplete even thru mail or email, Case Closed. 
So we asked them if they can open a new case. 2nd Case for Loan Assumption Packetmade on XX/XX/XXXX, received loan assumption packet only on XX/XX/XXXX thru mail. So, immediately emailed on XXXX again w/ registered from XXXX XXXX deed of transfer - transfer of ownership. We spent a lot of money, lawyer, docs & property tax. And we are definitely sure, we completed the application and again denied dated XX/XX/XXXX by calling them XX/XX/XXXX. Ive been asking them what is the reason, and no reason, they dont know., so inefficient, disorganized. This is my XXXX child sho love this home, we fought to win back this house from foreclosure. We got this home back to us again. Thru your help because we begging fir your assustance. 
We really really need your help. Please help us, whats is going on. 
Emailed again all dated 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 explanation
Consumer complaint received 2022-07-07 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: MO

Complaint narrative:
under 15 us code 1681b permissable purpose of consumer reports I never gave transunion, XXXX and XXXX  any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

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 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
Thank You, 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 2022-07-07 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: TX

Complaint narrative:
I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
Thank You, 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 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns

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 2022-07-07 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account XXXX XXXX Has Violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.

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 2022-07-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.

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 2022-07-07 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:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.

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 2022-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am having significant problems with Bread Financial/Comenity Bank XXXX I have been trying for about XXXX weeks now to make payments on my XXXX Credit Card and XXXX XXXX cards. They keep saying online that you can make payments by XXXX XXXX or by phone. Neither are working. I can't reach anyone on the phone and since the XXXX account was always online ( I never got a credit card ) I can't even go to a physical store to try to make payment. They " say '' no fees will be charged but that is not what I am hearing from other consumers who are getting charged additional interest, late fees and credit reports due to this outage. No indication of when services will be restored so payments can be made again. On My XXXX card which has a balance, they keep telling me that either there is a " glitch '' or that the account is closed and on the XXXX card that there is a " glitch ''. I can not reach XXXX person on the phone either!!

Company response to consumer: Closed with monetary relief