vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My online bank account was blocked from making payments due to it being in bankruptcy status. On XX/XX/2023 my vehicle was repossessed by the bank without notice and when asked to make a payment to pick it up I was told I needed to use certified funds, at which point the agent stated a debit card would be certified funds and a release would be sent once payment was received. I called the company holding the vehicle whos information was provided at time of payment by Wells Fargo, and they stated in the afternoon of the XXXX that usually discharge paperwork is sent a lot sooner. I called Wells Fargo again and was told that it can take up to 48 business hours that they were behind and I needed to wait. This morning I called to check on the status and was told that a debit card payment doesnt apply instantly like certified funds would and the 48 hours started today, also proceeded to provide credit counseling about how Im making my payments. Ill call back tomorrow to try to pick up my car again but it seems like Im getting the runaround, especially because every day that its in repossession Im subject to the tow company keeping any personal property in my vehicle.

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 2023-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
- Since my brother 's death, I have made 15 mortgage payments on this account totaling over {$20000.00}, but Truist Bank still refuses to apply a single penny of it to the account. 

- Truist Bank has made several empty promises to me to resolve this issue in the last 15 months, but have taken no actions to resolve this matter. The Garn-St.Germain act requires mortgage lenders to work with survivors to allow them to assume the Loan Modification which was under way when my brother died. 

- Truist Bank completely ignores their responsibilities as listed under the Federal Laws covered by the Garn-St. Germain act to assist the survivors of a deceased mortgage account holder. 

- I have even had the deed to the property retitled in my name, but still Truist Bank refuses to provide any actual assistance to me and my family. 

TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/XXXX. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 15 monthly mortgage payments made since his death. TRUIST has been in possession of the following documents since XX/XX/XXXX : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. I have been promised repeatedly since XX/XX/XXXX that this modification package would now be sent to me to administer as part of the estate. As of today, XX/XX/XXXX, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. Please advise what courses of action are available to me. Thanks for your assistance, and please advise if you need copies of any documents I have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: MA

Complaint narrative:
In XXXX, I initiated an appeal concerning late fees and administrative fees imposed by XXXX. During this process, XXXX informed me that it could take up to 60 days to dispute these charges. In an effort to address the matter, I also reached out to the ombudsman via email. Unfortunately, without my knowledge, the appeal was forwarded to a collections agency PAM ( professional account management ) - XXXXT XXXX XXXX XXXX XXXX, New York XXXX in XX/XX/XXXX. To date, the collections agency has not provided any evidence of the debt, nor have they made any attempts to contact me regarding the matter. Despite my formal request for a letter of validation on XX/XX/XXXX, I have not received any correspondence from them, which has now exceeded a six-month period. The unresolved situation is severely impacting my ability to register my vehicle and is significantly disrupting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Yesterday XX/XX/XXXX I attempted again to make a payment with Genesis credit for my account online services were denied for credit card use my credit card was removed from the online site I had to then input my information for routing and account numbers payment was made but no receipt has been sent nor is a payment pending on site payment made XX/XX/XXXX and XX/XX/XXXX due to same issue of not posting or sending receipts sending false text that payments are late when second payment on XX/XX/XXXX was stopped by financial institution due to double payment and false reporting of credit agency credit agency applied {$29.00} fee for return check easy payment process for online has not been substantial company is not being accountable for actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Maryland XXXX RE : Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. On XX/XX/2021 I was refused a refund and cancellation of contract with XXXX XXXX or Capitol One XXXX after the vehicle was towed to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Maryland XXXX 2 days after purchase. They replace the battery and gave me a car fax and stated I can not return the car.Furthermore, XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. 

I, XXXX XXXX, participated in a consumer credit transaction and not a loan : Pursuant to 15 U.S. Code 1602 ( i ) ; Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me by your organization in direct violation of this law. 

You XXXX XXXX XXXX also accepted a cash down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction.

Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) : one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, XXXX XXXX XXXX, willfully violated this law when you failed to disclose and provide all information clearly to me as the consumer. 

Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this recession, I am not liable for any finance charge, and any security interest becomes void effective immediately.

Take further notice that 20 ( twenty ) days after your receipt of this notice, you must return any money or property given as earnest money, down payment, or otherwise. Also, you shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a vehicle ( XXXX XXXX, XXXX ) The contract reads 74 months now the lease term reads 75 months. I stated I am divorce and ask if car payment can be lowered. ( was denied )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I was a XXXX customer. Since I became a Citizens Bank customer I have not been able to access my new account. I have not received a debit card and I am not able to open an online account. Since XX/XX/2022 I have been trying through numerous phone calls to remedy the problem. The post office in XXXX or XXXX does not function well. I want the bank to send me a debit card via XXXX XXXX envelope. I am willing to pay for the freight charges. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Notice of Effective Assignment CONSUMER PROTECTION! 

47-50-109 Procurement of breach of contracts unlawful Damages by assignor XXXX XXXX and assignee Bridgecrest NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This has reference to Contract dated XX/XX/2020, entered into between myself and XXXX, XXXX XXXX XXXX, XXXX, TN XXXX, assigned to Bridgecrest. I issued a receivable for financing and the seller nor the financing agency has committed to incurring obligations and making advancements under this purchase money loan, which is a cash advancement. 

Seller has been operating in insolvency. 
Seller has committed theft of property and services. 

Within the attachment is a authenticated demand of assignment, therein are a list of violations laws and regulations of XXXX and Tennessee codes committed by seller XXXX XXXX and Bridgecrest from the creation and inducement of the contract. 

Also included are Federal Trade Commission 's Staff Guidelines On Trade Regulation Rule Concerning Preservation Of Consumers Claims and Credit Practices Rule, in which both the seller and assignee committed violations among others. 


Remedies also included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Yesterday this company tried to direct debit my account for absolutely no reason. I reached out to their customer service as to figure out why. In doing my own research I found out I had submitted an application to them in XXXX. But as far as I could tell my application was denied. I've never had any other dealings with this company. Yet again they tried to debit my account for minuscule amount yesterday. It's not about the amount it's the fact that you have access to my information. I reach out to your company and was talked to in a rude and condescending manner. I don't give a XXXX if it was a penny or a nickel my money is my money. Oportun you have NO permission to reach your hand into my account and try to take from me or my family. Your company is absolute trash and stands behind nothing. But that's fine you don't have to be reputable company. That's why they're entities to report questionable businesses too. That will investigate and go ahead and shut scam artists down. I reached out to my bank to have them blocked. As I got some smart-ass response from somebody at their company via email. My next step is to contact the authorities and have a lawyer sue the XXXX out of your company. If you keep trying to take for me something that I don't owe you. They tried to debit {$2.00} XX/XX/XXXX for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist bank - I was charged for a payment yesterday. The account is not supposed to be paid if I dont have the full amount hence my account overdrawn by > {$200.00}. Then another transaction posted again. All this time I was trying to get my account in good standing but their XXXX wasnt working so I couldnt get money into my account. They charged my two overdraft fees as a result even though transactions are not supposed to pay if I dont have the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2023 I wired {$5000.00} To Wells Fargo account # XXXX as an intermediary bank, to be forwarded to XXXX XXXX XXXX XXXX  in XXXX  and XXXX XXXX. Wells Fargo kept the money and never forwarded the funds. XXXX XXXX  is my bank, they have reached out to Wells Fargo numerous times with zero response asking for a return wire. We have gotten zero communication.

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 2023-05-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
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. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: NJ

Complaint narrative:
I borrowed {$300.00} a month ago. the first payment was {$36.00}. today they took {$170.00} from my account.when the agreement was for {$36.00} paid for 9 months. today, they took {$170.00}. when I called to complain, the person answering the phone said this is the arrangement. for a {$300.00} loan, @ {$170.00}, they rake in {$1500.00}. this is usury or theft by deception-I DID NOT AGREE TO ANY {$170.00} PERIOD. SO WHAT CAN BE DONE ABOUT THESE " thieves ''.????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Their explanation, they dont want anymore relationships with me, but their delay on releasing funds, is going to cause me to lose my home. 

Their restricting accounts and telling consumers to wait for idk till it gets close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Long ago in the middle of pandemic I was told that they offered services to help with payments such as delayed payments, haunt on interest rates etc. I called to try and have this done and was told no we do not even tho it stated on their app they did, was also told they would not stop the frequency of calls. Eventually I started catching up with bills after finding work and childcare in the pandemic but it barely covered interest rates. I tried again with no evail my payments weren't enough and they wanted more and more n I told them that was impossible unless me and my kids stopped eating and paying bills. I was talked over everytime, most times by someone XXXX XXXX and ignored untill I hung up. The calls have become more frequent. 2 sometimes 3 times a day. This is way to much and I have had enough!

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 2023-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : XXXXl & quot ; adjustment to your reporting to the three credit agencies. I have two negative inquiries on the above referenced account that date back to XXXXSince that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that Equifax and XXXX is willing to work with me on erasing this negative inquiries from my Credit Report

Company response to consumer: Closed with explanation