vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America : This letter serves to request the cashiers checks be released from the CLOSED Account of XXXX XXXX XXXX, XXXX, business checking and savings account. 

The FDIC Law, Regulations, Related Acts and 6500- Consumer Financial Protection Bureau provide laws and specific guidelines that protect consumers when bank accounts are closed. XXXX XXXX XXXX XXXX, is within this class of protection. Bank of America is within its depository rights to close the accounts, but can not capriciously hold the funds, harass me, interfere with my constitutional rights and hurl XXXX  XXXX onslaughts! 


Bank of America initiated closing both the business checking and savings accounts on XX/XX/XXXX denying access to funds. 

Bank of America completed their investigation of XXXX XXXX XXXX, XXXX and submitted a Notice of CLOSURE dated XX/XX/XXXX. The NOTICE stipulated that funds from the account would be mailed 3-5 business days in the form of cashiers checks. 

Bank of America, various departments have been contacted from XX/XX/XXXX until XX/XX/XXXX when the cashiers checks were not received. Their is no justification to hold my funds denying my constitutional rights to life, liberty and the pursuit of happiness ( unpaid mortgage, utilities, insurances, food and clothing ). 

Due to the blatant and appalling hold on the cashiers checks ; I am further requesting compensatory and punitive damages be assessed accordingly for each day after the legal time, Monday, XX/XX/XXXX. 

I AM, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX https : //www.consumerfina Sent from my 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 2020-03-28 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've submitted the proper documentation to XXXX, XXXX and Transunion showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal 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 2020-03-28 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: TX

Complaint narrative:
I've submitted the proper documentation to XXXX, Equifax and XXXX  showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I signed up for a Amazon credit card through Chase bank.. A month  or so later, I received a call from chase, wondering when I was going to pay my overdue bill.. I immediately paid the bill in full over the phone on the first call.. 
When I asked why I never received a bill, I was told that upon agreement, I agreed to it. That if I wanted a paper bill, I would have to call or go online to opt out of paperless billing. 
I received notification of a reported late payment on my credit report.. JCMPB card over 30 days late, with an overdue amount of $ XXXX..I dont believe Chase should hide the paperless agreement in the fine print at signup. Im sure it saves them money by not having to send bills out, but they should request the customer to go paperless. Instead, they force the customer to go paperless in the fine print that no one really reads, and then blames the customer for late payment when they receive no bill in the mail, to remind them to pay it.. 
It seems predatory to me that are doing this to save themselves money from mailing bills. On top that, they reported a 30 day past due amount of {$0.00} that trashed my credit score.. If I was late on a XXXX bill, how can I be late ... if I owed nothing? Chase customer service told me you can contest it with the credit bureaus if you want to.. Why should I have to contest being late on {$0.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made an advance payment of my mortgage loan in XX/XX/XXXX of XXXX {$45000.00}. 

Wells Fargo Home Mortgage never contacted me about the payment and arbitrarily applied it to future payments for the next year without reducing my principal. As agreed with the lender, I continued to regularly make my monthly payments without missing any payments. I discovered 2 weeks ago on XX/XX/XXXX to my great surprise that the principal payment still had not been applied 1 year and 5 months later! Furthermore, my request for them to immediately apply the advanced {$45000.00} payment to reduce my loan payment was DENIED on XX/XX/XXXX. They informed me of that when I called again on XX/XX/XXXX. Not only did they refuse to refund me for 1 year and 4 months of interest for the period they held my {$45000.00}, but furthermore they informed me they insist on STILL KEEPING my advanced principal payment of {$45000.00} until XXXX of XXXX still without reducing my principal and insisting I pay interest on the {$45000.00} as if I never made the payment. That is 2 years and 4 months they are insisting to keep my {$45000.00}, without reducing principal, and still charging me interest on the {$45000.00} for the 2 years and 4 months. 

My loan does not have a pre-payment penalty and advance payments are supposed to be made to principal. Without my permission they changed my account to send advance payments to future loan payments without applying to principal I was informed by XXXX the call center agent on XX/XX/XXXX. The call center agent informed me that the bank had changed my account posting logic to set up my account to pay payments in advance instead of to principal automatically. This was never approved by me, and I was never notified of this change. 

I need help to have my {$45000.00} immediately applied to reduce my principal balance which they are refusing to do versus Wells Fargo just keeping it and continuing to force me to pay interest on it. I can not effort to keep paying interest on money I paid to them for 2.4 years.

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 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Predatory lending practices. 

Impossible to get live person to talk to. 

Incorrect records on their part based on their poor lending communication. 

Age discrimination practices

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have attempted various times in calling Capital One CC company to reduce APR of 24.40 % to a more reasonable rate. I can not believe government can allow CC scams with 0 % introductory only to find out once purchases are made and years goes by they are allowed to raise to 24.40 % which causes any minimum payments made are mostly interest. This unethical allowed practice is worse loan sharks because your credit rating is directly affected. With Goverment interest rates at all time low, how is this not regulated to disallow CC charging outrageous rates. 
In current COViD-19 Pandemic Fed Government advising to contact CC companies to reduce rates to assist in payments during this time. CaptialOne is NOT willing to change or do anything other that defer one month payment but still acruing interest, which does not help what so ever, just another way for CapitalOne to make additional money on deferred payment. 
Payments going to all these high interest CC companies severely affect usable income for other needs to survive. 
Some interest caps need to be put in place based on income levels to assist families struggling and need to have access to credit card use. 
Hope someone steps up and does right thing to help families that are being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I telephoned Citi Cards ( Citibank VISA ) on XX/XX/20 to request a deferred payment on my credit card. The CSR ( Customer Service Representative ) advised me on their recorded line that my next payment was not due until XX/XX/20, so I did not need a deferred payment at that time. I began receiving emails and a text message on XX/XX/20 advising me that I was then delinquent regarding a payment and Citi Cards ( Citibank VISA ) was charging me a {$29.00} late fee and they were then demanding over 3x the normal bi-monthly payment of {$170.00} that they now claim was due on XX/XX/20. I requested that Citi Cards ( Citibank VISA ) review their recorded conversation I had with their CSR on XX/XX/20. During this international / national crisis with Covid-19, Citi Cards ( Citibank VISA ) is acting with a complete lack of compassion for the hardships being endured by the American people as well as engaging in deceptive trade practices. This conduct is illegal during normal times, but is reprehensible during a national emergency. My personal income has been cut in half during this national emergency and Citi Cards ( Citibank VISA ) is acting like mobster loan shark debt enforcers. 

The first Citi Cards ( Citibank VISA ) CSR I spoke with ( # XXXX ) was argumentative and refused to admit Citi XXXX ( Citibank VISA ) previous misrepresentation on my earlier phone call on XX/XX/20, refused to dismiss the late fee and is now treating me as a bad customer due to Citi Cards ( Citibank VISA ) incompetence and inefficiency. The 2nd CSR ( XXXX ) did the same as # XXXX, but offered me so-called payment arrangements that were no more favorable than my initial minimum payments. She claimed that someone would review the taped call of XX/XX/20 and get back with me in 1-2 business days. 

I have a perfect payment history with Citi Bank ( Citibank VISA ) for  years ... NO LATE PAYMENTS EVER!!!

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 2020-03-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My mother is XXXX years old. My mother had {$120000.00} invested with MBNA in CD 's. They merged with Bank of America. I went to my local branch in XXXX on XXXX XXXX, where they refused to provide me with any information, and told me I should " forget about it! '' I tried calling the bank 's main office, but could not speak with a live person. I called the branch back and requested a corporate number. The assistant manager refused me my request and said the manager would call me the following week. Of course I never heard from either one of them again. 

My documents indicate these investments. My mother and I are entitled to all the money she is entitled to, including of course any interest. 

They are a pitiful excuse of a bank, and after reading my reviews, I hope that others will not have to suffer similar consequences.

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 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CARD Corporation
State: KY

Complaint narrative:
I have had this prepaid debit card for about two years and I had always had suspicious about their reserve system when I had taken my mother out for dinner that costed * {$26.00} and " Card.com '' had taken out nearly {$80.00} which was held for several days. this happens infrequently. I had noticed some unexplained transactions/duplicate withdrawals from my account and asked if they could check into it? ( The SMS service just started working on my phone around two weeks ago ), so they didn't make anything easy to translate. I had even called and gave them a name and address to be referred to. I had changed my password to a near twenty character mixed Caps, symbols, etc a few weeks back and I actually received a similar email that same evening? I explained to them that where I don't have the same provided for my residency and my mobile service since I live outside of XXXX 's signal range. and that I use my family 's WiFi when aI  visit them,,,,, They have never given me any response to my security issues and they have shut down my card three times in the last week or so without any probable cause or explanation. now being XXXX, it's hard to get the XXXX XXXX   and even the XXXX XXXX XXXX materials all weekend after only yesterday telling them not to ever disable my card again unless I called and requested it? It appears that they are committing hate crimes either to avoid any legal responsibility or it is some personal vendetta which would classify it as a hate crime. I have no other income except what is on this card as for when I deposited $ XXXX to it yesterday there were no signs of it being deactivated for that alone speaks volumes. I was struck by a dislodged boulder in WV in XX/XX/XXXX and am in XXXX XXXX as I am seeing a XXXX  ( XXXX  XXXX XXXX ) and getting XXXX   XXXX and seeing a Dr in XXXX ky for my XXXX XXXX. I am supposed to visit her asap due to an XXXX  XXXX  XXXX  on my previous checkup last week but can not go or get anything due to these senseless sabotages of my only source of $ that I have since I've been without any income since XX/XX/XXXX. Again, I have both called and emailed them expressionally advising them not to ever deactivate my card again unless I called them and requested it as this has caused much trouble the other instances it has occurred. tx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one card and I make my payments monthly on time. I have had this credit card for at least 6 years. I just lost half my income about two weeks ago because of the national crisis and the shelter in place in California where I can not go to work and can only do limited work on line. 
I asked the Capital one representative if they could work with me and lower the interest or waive it ( which is about {$200.00} per month ) while the shelter in place applies to California and I have lost half my income because of it. They refused to do anything to help me during this situation, so I closed the card and will continue to make the monthly payments as best I can. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Good Day, My mother died of sudden death. I learned she had an outstanding mortgage with XXXX XXXX XXXX. I reached out and sent documentation to discuss the account. However, I just learned the mortgage was transferred over to Faye servicing on XX/XX/XXXX and a foreclosure was processed on the XXXX of XXXX. I spoke with Faye Servicing on the XXXX to postpone foreclosure Sale. I was advised they could not speak with me until I sent over documents, stating I am handling the estate. However, mysteriously someone else name is on documents as the estate representative. ( I learned from one of the representatives at Faye Servicing that they were quite familiar with this name they see it often ). 
I m seeking to retain the property. 

Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IN

Complaint narrative:
Accounts on my credit report appear to be unauthorized.

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 2020-03-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Before and after closing this account in XX/XX/XXXX, Paypal Mastercard c/o Syncrony Bank added late charges and interest to the payments which made it impossible to make minimum payments. My spouse lost his job XX/XX/XXXX and I continued to make minimum payments but Syncrony reported that no payments were made. I made arrangement with Syncrony in XX/XX/XXXX of {$140.00} XX/XX/XXXX and {$47.00} for 5 months thereafter to be automatically withdrawn from my bank checking account each month. On XX/XX/XXXX, {$140.00} was withdrawn from my checking account, yet Syncrony Bank reported that it was a missed payment to the three credit bureaus. This is fraudulent and predatory lending by Syncrony as they are the account holders of a few of our other accounts where payments have not been reported accurately.

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 2020-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
I, and I believe others, have been trying to get guidance from American Education Services, aes.Success.org, about interest rates and loan terms during this COVID-19 crisis. Per orders from the Department of Education and given recent legislation, interest should have stopped accruing on my loans. But this hasn't happened and AES hasn't provided any new guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IN

Complaint narrative:
Accounts on my credit report appear to be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IN

Complaint narrative:
Accounts on my credit report appear to be unauthorized.

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 2020-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Took a loan for {$3100.00}, 1st payment XX/XX/XXXX. Automatic draft. Paid on time {$350.00}. Paid 9 months. I checked balance of loan 9mos later, XX/XX/XXXX and was was +-XXXX higher and said pmt was late -NEVER ... WAS ON AUTO DRAFT SINCE 1st pmt. THEYRE EITHIR INCOMPETENT IN BOOKKEEPING OR  INTENTIONALLY GOUGING CONSUMERS. I RESEARCHED SCAM REPORT WEBSITE _ THEY HAVE NUMEROUS OTHER SIMILAR COMPLAINTS. 

These type of outfits need to be SHUT DOWN ASAP to protect the public! 

I have documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell/Text : XXXX XXXX Count the payments already made {$350.00} times 8 Mos pmts against the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: NV

Complaint narrative:
These are not my accounts, NOR did I authorize these companies to pull my credit. Additionally, there are addresses that are not mine on my credit profile.

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 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
NOBODY ANSWER THE CONTACT INFORMATION NUMBER. 
NO CLEAR HOW YOU CAN CANCEL A TRANSFER IN PROGRESS. 
INFORMATION ABOUT CANCELING A TRANSFER NOT AVAILABLE IF AVAILABLE NOT CLEAR HOW TO DO IT. 
THEY MAKE IT DIFFICULT TO CONSUMERS HOW TO NAVIGATE TO CANCEL A TRANSFER. 
SENT MY TRANSFER ON XX/XX/2020 THEY PROMISED DELIVERY ON XX/XX/2020 TODAY DATE IS XX/XX/2020 MY TRANSFER STILL IN " PROGRESS " NOBODY TO ANSWER MY PHONE CALLS NO WAY TO CONTACT SOMEONE TO ANSWER ABOUT THIS PROBLEM. 
TRANSFER BEEN ON " PROGRESS '' FOR 5-6 DAYS. 
NO WAY TO CONTACT THEM AT ALL. 
I KNOW THEY COULD DO BETTER! 
ATTLY : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: SD

Complaint narrative:
On XX/XX/2020 i received a letter from Santander Consumer and their attempting to collect on a old debt that has been removed from my credit reports and past the statute of limitations. 
It also states they are attempting to repossess the vehicle that i disposed over 4 years ago.

Company response to consumer: Closed with explanation