vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
We made a XXXX XXXX XXXX XXXX credit purchase via Comenity Bank with a promotional deferred interest for 18 months. The representative at XXXX XXXX had told us we had until XX/XX/2023 to make the final payment before Comenity Bank assessed the charges. I went online to the XXXX XXXX website to make my final payment on XX/XX/2023 for the final payment of {$480.00} and they assessed an APR charge of over {$1400.00}. 

When I spoke with XXXX, Comenity employee # XXXX, I was told they assessed those charges on XX/XX/2023. I let her know we were unaware of this date as we were originally told we had until the end of the month. I also let her know there was nothing on the website/online portal alerting that the due date of the promotional date was approaching and when paperless statements were received it did not alert the consumer of any promotional end dates on the portal or emails. 

I have used other promotional credit card services with stores and they have always sent an alert via email or on their online portal of when the promotion was coming to an end and have never experienced this type of issue. 
The Comenity website only showed the minimum payment due and the date. It had no features to show a consumer that a promotion is due. This is incredibly misleading. 

In addition, we were not receiving paper statements in the mail prior to opting paperless because they had our last name in their system incorrectly. We have spent well over {$50000.00} with Comenity BankXXXX XXXX XXXX XXXX XXXX alone, and I spoke with three different representatives stating that there is nothing they can do to waive the late payment fee even though it was a miscommunication and misinformation on their end, along with a terrible online paperless feature that did not have any prompt features of when a promotion was approaching the end date. 

I had explained to them that we have been loyal consumers of XXXX XXXX and Comenity for over 10 years and asked if I make my payment in full of {$480.00} on XX/XX/2023, which I did online, if they would waive the fee due to our loyalty and misinformation. Keep in the mind, the end date of their cycle was XX/XX/2023 and I called in on XX/XX/2023. I am aware that institutions such as these have a grace-period ( typically 5-7 days ) to waive a fee, especially due to the incorrect information we received, but Comenity did not.

Comenity exemplified terrible customer service to loyal consumers and did not have a user-friendly website which allowed the consumer to have proper notice when a promotional balance is due. In addition, they charged {$1400.00} fee which is not even 29.99 % of the statement balance of {$480.00}. That 'hidden fee ' is something that I am sure I wasn't the only consumer to experience this on top of a misleading paperless/ website paying portal and wrong information by an employee from the store they do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-27 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A fraudulent user opened a checking account in my name with Bank of America. I am not sure how this happened, and how Bank of America approved the account. Between XX/XX/XXXX and XX/XX/XXXX ( in the middle of the night ), I received legitimate accounts from Bank of America about an application for an account. Initially, the account was rejected due to missing information ( i.e. photo ID, credit card ). But then, I got another e-mail within an hour showing that the account was successfully created. I verified that the account was mine by visiting Bank of America 's website and calling their fraud department. They filed a claim and restricted the account. I have credit monitoring from multiple sources that also offer deep web leak information, and there was no indication that my SSN had been leaked anywhere. I also checked my credit reports for fraud, and found nothing. This indicates that nobody was able to get a credit card in my name. I believe that Bank of America allowed a fraudulent user to create an account on my behalf without conducting the proper personal verification. The only reason I became aware of the issue was because the fraudulent user left my personal e-mail on the account, so I was receiving e-mails through the morning showing what activity was occurring on the accounts.

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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
After transfer of the loan, the payment schedule got confusing and my car was repo, I paid on XX/XX/XXXX the fees to get my car back. They said it would be released in 48 hours it is now XX/XX/XXXX and I have not got my car back. When I call Westlake financial they said they have sent the email to XXXX XXXX, when I call XXXX XXXX they say they havent released the paperwork yet. I have asked to speak with a supervisor at Westlake for the past 2 days and getting no where

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I signed up several months ago for a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was approved for XXXX in credit from the XXXX XXXX XXXX XXXX XXXX XXXX card from FNBO. I spent about XXXX on the card and was making regular payments. 

Then one day I got contacted from my bank and was told that there were 2 suspicious charges against my account. When I looked at the charges they both had the same payment number and did not mention where they were from, they also looked different from any of the previous payments sent. Because I was not able to identify the charges my primary bank, XXXX, reversed the payments as potential fraud. 

After this occurred I did get notified from FNBO via an email that there were 2 reversed charges and I would be hit with 2 fees for the reversal. At this time I tried calling but no answer from the phone so I reached out to their online chat. Came to find out they charged me twice for my monthly autopayment. I was told that they would credit me back the fees for the reversal. So I went on the website to apply the payment and was met with an error message that said try again later. 

So I went back on the online Chat I explained what had occurred and was told that I would have to call to make a payment since the last charge was reversed. But they don't answer the phone and It's been months now that I have not been able to make a payment and they keep adding fees. In addition they lowered my credit limited to right about the current balance and they significantly increased my minimum payments. When I tried to apply for any relief on their website they claim I'm not eligible but then they send me letter telling me to apply. 

I did receive a letter but it did not state why the limit was applied, why the min payments were raised and then tried to claim that they did not take 2 autopayments, when in fact they did, I feel trapped by this bank and my credit keeps dropping.

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 2023-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION XXXX A. XXXX i have a right to privacy. 

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy. 

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.

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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC
State: TN

Complaint narrative:
I paid my loan off on XX/XX/XXXX, and had auto pay set up. They autopay did not cancel as it should have after the loan was paid in full. On XX/XX/XXXX, {$300.00} was taken out of my checking account. I called on XX/XX/XXXX to ask abut it and see when I would get refunded. I was told all overpayments get refunded the end of the following month. I have been calling and emailing them asking about the refund and I almost always get the same response that they have escalated the matter and someone will call me back. No one ever calls me back. I still have not received my refund and the representatives will not let me speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NJ

Complaint narrative:
I made a transaction on XX/XX/2023. World Remit did not honor their advertisement. They held my money without releasing it claiming that my ID was expired-its not! A check show that the 3rd party holds my pertinent personal information for 360 days ( no guarantee of security ). I called World Remit @ XXXX for XXXX XXXX at ( XXXX ) XXXX & spoke with XXXX XXXX I requested a supervisor. He claimed that one was not available. He gave a case # XXXX that dont exist when I called back. He claimed he released the funds XXXX. Upon calling XXXX, I was told that it was not released

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There where some fraudulentl addresses accounts and inquiries reported to my credit report I need them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information 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 non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I approached Frost Bank ( XXXX XXXX ) in XX/XX/XXXX for a personal, secured loan depositing {$1000.00} as required and received {$1000.00} as the loan. I paid off the {$1000.00} loan in ten months and requested my {$1000.00} and was told that I was not entitled to the {$1000.00} deposit I had placed to secure the loan since I had already received the loan of XXXX 

I did return in XX/XX/XXXX and followed the same procedure as in XX/XX/XXXX ( including paying off the loan in about 9 months at which time I requested if I would receive my {$1000.00} that I had deposited to secure this second loan ). I did receive the {$1000.00} as I had been told for this second loan. 

While I take medication that can make me occasionally foggy these are the facts as I remember and based on documentation that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 my son alerted me concerning an email that he had just received from Wells Fargo Bank informing him that my application for a credit card had been approved with a credit line of {$15000.00}. I have not applied for any credit cards and I thought it was odd that the bank would send the message to my son 's email address, not mine. I have contacted Wells Fargo and they transferred my call to their fraud department. They closed the account and said they were going to start an investigation.

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 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
I have filed a prior complaint through CFPB where in response they acknowledged that I told them not to call me on my work phone, but now they have called me twice since then at my office phone. On XX/XX/23 at XXXX I missed a call from them on my work phone. On XX/XX/23 at XXXX they called again and I answered and told them that I have already instructed them to not call me on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello, my cash app account was closed and I havent done anything to violate the terms of service and policy. I have reached out to cash app multiple times in order to have this issue resolved and get unbanned however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a BOA customer for over 15 years and recently was approved for a zero-interest offer. I attempted to set up automatic payments as has always been an option. I discovered that BOA has changed their policy and no longer offers " custom '' payment amounts.

The 2 options they offer under automatic payment is : 1. minimum payment 2. full balance This means if you have a balance of say, {$4000.00} and you have calculated that by paying {$270.00} a month, then the full balance will be paid in full by the end of the promotion. BOA ended this option and forces to either pay minimum or full balance. The other option is to log in monthly and pay the desired amount to ensure the full balance is paid off by the end of the zero-interest promotion. This is set up on purpose to hassle their customers into just making minimum payments in the hopes they will fail to long in monthly to pay the " extra '' to have the balance paid in full by the end of the promotion. 

This is WRONG and they know it, thus I will manually go to pay the amount monthly to ensure the full balance is paid off at the end of the promotion. 

SHAME on you BOA. 

I feel as though this is intentional and predatory to their customers.

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 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation. I have the letter from the court saying that they are not reporting these kind of things and how come you have reported this on my credit report. Never did I filed for a bankruptcy.

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 2023-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I seen some fraudulent inquiries reported to my credit report Ive been tryna get them removed no one will remove them

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 2023-06-27 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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