vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
Hello, I have been a Bank of America customer since about XXXX. I have had no issues with this bank during the duration of this time frame, on today XX/XX/2023 I woke up to not being able to log in or access my accounts. I have 2 checking accounts, and one credit card account with them that has been opened for 5+ years as well. When I tried calling all I was told was Bank of America decided to close all 3 of those accounts, no warning, no reasoning. Nobody could give me any information. Ive been dealing with being transferred from person to person and have yet to get a resolution. I tried going into a branch on that date as well and was told to maybe reset your online banking and that was it. I had multiple bills already scheduled prior to that date to come out the account. They told me the decision was made the morning of XX/XX/2023 with no other knowledge to explain. I asked what will happen to the bills in processing and they said they dont know. 
Another thing is it has been NO COMMUNICATION, no warning, no letters, no phone calls, no alerts, no anything! Just woke up and one day everything was gone!

I have never had any issue with this bank, my credit card bill was current and I have NEVER missed a payment. Therefore what is the reasoning for my account closure? And why is there anything I can do about it?

Also, one of the accounts was a joint account with my mother who has been with them for 20+ years and also is employed by them!

This is wrong and such an inconvenience and I want justice! 
Also how long will it take to get the rest of my funds from the accounts? 
Now I have to risk a ding to my credit because they chose to close my 1 long lasting credit card! 
This is not justifiable in anyway.

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 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
I was threaten verbally attacked. They said they were come to my place of employment to serve me with paperwork. They also falsified information on my credit report with incorrect addresses thats listed to a XXXX  of XXXX XXXX California also, XXXX, California, XXXX XXXX. They are a scam company that is trying to use scare tactics for them to get paid I will include the addresses that they list that with a simple XXXX search. would see that the address they listed was fake. the first address they list is XXXX XXXX XXXX XXXX ca XXXX which is XXXX XXXX. the second is a post office and the address is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ca . they need to be found so i can sue them and please have this remove my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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

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 2023-01-18 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: BRite Financial Services, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting. Everything has to be 100 % accurate on my credit report. The credit bureaus states my account was properly investigated but how is that possible if the open date is inaccurate the last active is inaccurate, the remarks are not the same, Times is inaccurate aacount number is inaccurate two different account numbers. This is grounds for removal they also violated my rights under 15 USC 1682 Section 602 A States I have a right to privacy.

15 USC 1681 Section 604 Section A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also my credit bureaus took more than 30 days to complete my investigation. 
XXXX XXXX Account Number : XXXX Account : XXXX Account are different

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX. I added {$31.00} to my cash app to pay for a XXXX. XXXX to {$27.00} from my cash app instead of the price from the ride and I never received my ride. On XX/XX/XXXX, I submitted a dispute with Cash app, but because of a glitch in the Cash App system I was unable to upload documented proof that XXXX had already been paid the {$27.00} in XXXX. So I called Cash App support to escalate the original dispute after Cash App denied my dispute. I received an email asking me to upload my proof in which I did of my bank account showing that XXXX had already received this payment. I have been disputing this payment with XXXX and my bank since XXXX, with no resolution with XXXX removing the info that I still owed this balance to them. My bank account shows that I was double charged by XXXX for XXXX ride. My bank disputed the charge because they had proven that I paid for my ride already. I was advised by Cash App to submit the dispute again if denied from the escalation. I was denied and submitted the dispute again with more than enough documentation. Immediately my dispute was denied and then they canceled the use of my card, without any notice. Between XXXX and Cash App, this is unfair business practice for consumers. I don't believe that Cash App provided the proof of payment to XXXX to show that a {$27.00} payment had indeed been submitted to XXXX. Cash App did not back me at all. I have been a long time customer of cash app for a long time with no issues except in XXXX. They gave me excuses satating that they could not provide me with any additional info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I deposited {$4700.00} into my checking account at TD Bank NA The deposit consisted of a {$3700.00} check drawn on my own personal account at XXXX XXXX and {$1000.00} cash I was handed a deposit receipt. 

The receipt said NOTHING about a hold on the check. 

I came to find out the next day by looking at my account online that the bank slapped a 6 business day hold on the {$3700.00} check. 

By the way, my account at TD has been open more than 10 years. 

Also, by the way, XXXX paid the check on the VERY SAME DAY the check was deposited at TD BANK I went to the bank to complain, I called various departments none were helpfull. 

Apparently the department that slaps these holds on checks is not reachable by other bank personnel including the fraud department. 

The bank made NO PART of this check available as is required by Federal law either the same day or the next day. 

Interestingly enough today ( XX/XX/XXXX ) I received a notice from TD dated XX/XX/XXXX that they were placing a hold on my check. 

These people need to be sanctioned, fined, and placed under special supervision. 

I spent hours of my time trying to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
I am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
I am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CUSTOMERS BANCORP, INC
State: MS

Complaint narrative:
I received a debit card from a bank I had never heard of. Customers Bank in PA. Then a couple days later a a bank state from same bank. All balances were XXXX. I called customers bank and closed the account. That same day i Received inquires about my XXXX account ( Mastercard ) about transactions that looked questionable. Two transactions were not mine. That particular Mastercard has been cancelled.

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 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
The bank that I file this complaint about is Fifth Third Bank. They keep sending bills stating that the mortgage payments are being made late, but that's false. The mortgage - account XXXX- has been paid timely. The Mortgage Loan Statements that the bank sent the last 3 months keep showing charges of late fees. I've called the bank, and initially they kept saying that they will look into it, because I provided information of timely payments. When I called again today, because I received another statement, the voice recording stated that there isn't any customer service by phone, and that I shall text them instead. Their own Mortgage Loan Statements states the following on the back : " Give Us a Call : Customer Service Professionals are here for you Monday through Friday, XXXX XXXX. to XXXX XXXX ET .... '' I have reason to believe that : XXXX. Fifth Third Bank has no interest to look into this issue, and wants to keep unfairly and fraudolently charge late fees for prompt payments ; and XXXX. When a customer insists in clarifying the issue to put a stop to the fraud, the bank blacklists that customer to stop any communications with them, and doesn't even allow them to access the basis modes of communications ( by phone ) with the bank. 

At last, another fraudulent practice of this bank is that, they cash payment, but they don't count as a payment if the payment is not exactly what the bill is. That's not a fair ; if a costumer makes a payment for a debt, the payment is credited toward the payment of that debt. No bank should keep a customer 's money earmarked as a debt payment, and not count it as a debt payment. 

Again, the mortgage loan account XXXX is being paid correctly every month, and the bank should stop their fraudulent practice of charging late fees for prompt payment, of not applying payments cashed as payments to the loan mortgage, and of creating undue hardship for the customer to reach out to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Was notified of a debt with XXXX XXXX went to my local store was told I could only pay it at a corporate store went to the corporate store to pay the debt. I was notified that it was turned over to a collection agency made arrangements with the collection agency, I was paying and XXXX still Notified all three credit reporting agencies that I have a delinquent account this debt is now paid and I still have negative collection accounts on my credit report.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, Please note that I have made multiple attempts to work with XXXX in removing the erroneous reporting of a Dismissed XXXX  from my credit report. Based on the reported information from XXXX, they stated a XXXX party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to XXXX party companies like XXXX XXXX or any other for that matter that XXXX stated provided the information.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Barclays Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Barclays Bank choose not to honor there agreement, I elect arbitration under good faith and they pay the fees. All payments should be returned, due to federal laws.

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 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX Credit inquiries from unknown times same day by some one else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Titanium Funds
State: UT

Complaint narrative:
On XXXX XXXX Titanium funds called me to get a payment for a vehicle I crashed ( XX/XX/XXXX ). First off I was told I had traditional GAP insurance ( day I bought the car ), come to find out after my car had been totaled I had collateral damage insurance. They arent the same thing. They told me I could go back to the dealership I bought the car to get my old cars balance wiped clear ( XX/XX/XXXX. Told them that isnt gunna happen I already bought a car and wasnt going to have a high interest rate. I got my lawyer involved to help resolve the situation. I had let titanium funds know what was happening and they proceeded to call text and email me daily. 
XX/XX/XXXX I received a call from titanium funds, I told them the situation again and told them I would not be paying for the car until I was instructed to by my lawyer. The gentleman on the phone told me no lawyer would ever tell me that, I told him yes they would because they did. I told him I have dealerships, lawyers, and family who have seen this tell me to stop paying. The gentleman proceeded to tell me nobody would tell me anything like that. The gentleman was very disrespectful to me. I asked him to put a FULL cease and desist on my account I didnt want further communication with titanium funds. He told he wouldnt do that due to my account being an open account and me owing balance. I informed him I worked in auto financing, so my jab is the exact same his is and I know he HAS to put a cease and desist on my account if that is what I request. The gentleman on the phone said once you learn the correct verbiage I will put a cease and desist on your account. I proceeded saying you are harassing me so put a full cease and desist on my account. The gentleman on the other line refused to put one on my account. I ended the call and emailed titanium funds this is your written notice to put a FULL ceased and desist on my account. DO NOT contact me, my references, relatives, neighbors, or my place of work. Proceed to XX/XX/XXXX I received a text and an email. I didnt respond. XX/XX/XXXX I received two calls back to back, a text and an email. Again didnt respond or answer the phone calls. XX/XX/XXXX ( today ) I received two calls back to back, a text and an email. Again no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a customer of Bank Of America travel rewards card for 9 years. I had set-up an automatic payment every month of {$150.00} dollars. 

Today I found out through a letter that I have been short on the minimum payment for 4 months, since XX/XX/2022. I was never notified about this issue until I got the past due letter in the mail this weekend. I was charged {$39.00} dollars per month for the last 4 months. 

When I called the bank today I asked why they couldn't send me a letter or an alert notifying me about the payment that was short and why they waited me to be over 2 months past due to send a letter. They stated it was my responsibility to check my statements but I failed to do so. I asked again, why they took the step to send me a letter but couldn't notify me sooner. 

When I mentioned I wanted to pay the amount past due I asked if they could waive the 4 late fees when I actually did make a payment but it was short on the dollar amount. They said they would only try to waive the fee after my payment was processed. 

I felt very disrespected and they were extremely condescending. Then I decided to ask them to close my account and that I didn't want any more business with BOA. Then I asked for a payment plan or for them to lower my XXXX so I can pay my remaining balance accordingly, which is a little over {$5000.00}. They said there is nothing else they could do for me. 

Can someone help me getting these fees refunded? And set up a payment plan without these extremely high interest fees? 

I appreciate and thank you! 
XXXX XXXX XXXX accoun # with BOA : 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