vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received AMEX pre paid gift card from work on XX/XX/2023 for {$150.00} USD but after activating it, I am unable to process successful transaction with any merchant - Ive tried XXXX, XXXX, XXXX, and also attempted to add to my XXXX wallet following the instructions AMEX provided but have not been able to get it to accept it and says to contact card issuer and they simply tell me to try again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
YOUR COMPLAINT I wrote a check ( via XXXX XXXX account personal check ) and put it in the XXXX XXXX  to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the XXXX  and was never cashed by the XXXX. However, the check was cashed on XX/XX/XXXX at the Bank of America. I filed a report with XXXX XXXXXXXX XXXX XXXX XXXX which is when I found out that my XXXX  had not received the money. I have a claim number with XXXX XXXX which I filed on XXXX XXXX XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call Bank of America as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called XXXX XXXX  again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.

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 2023-10-25 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: CA

Complaint narrative:
I had BANK OF AMERICA checking account ( Account # XXXX ) since XX/XX/2023. 
I had a lot of transactions with this account like debit card purchases and some check deposits. I never had problem with check deposits and it has been cleared all the time. 
My last check deposits was for amount of XXXX $ ( dated XX/XX/2023 ) from XXXX XXXX XXXX, I had deposited that check on XX/XX/2023. ( check # XXXX ) After completed deposit I got email from Bank Of America informed me my deposit check has been hold till XX/XX/2023 and my available balance will be delay, because they believed that check is not gon na be clear. On XX/XX/2023 I got another email from Bank Of America that informed me my amount will be hold until XX/XX/2023. 
I was ok with that situation because my account wasn't that old and they need to verify that check. But right ofter that email I tried to login to my Bank of America online account ad it showed my account is blocked. 
I called to Bank Of America to see reason of my account blocking and they told me they closed my account because of bad check, I ask what does bad check means and they told me the check issuer bank didn't verified my check and it is a fake check. 
I called to the company who gave me the check ( Check issuer bank is XXXX XXXX  and the company name is XXXX XXXX XXXX XXXX ACCOUNT NUMBER... ... XXXX ) and told them the situation of me. 
After that the XXXX XXXX XXXX XXXX company sent me their checking account screenshot picture proof my check was cashed from Bank of America. 
I have proof the Bank of America has been cashed the check from XXXX XXXX XXXX XXXX. 
on XX/XX/2023, and they never deposited to my account. 
They don't let me login to my Bank of America and no body answer my questions. 
I need resolve this problem get my XXXX $ money back and reopen my bank account.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have sent NFCU a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to NFCU and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
We asked for a Forbearance for 3 months due to XXXX and other health issues that have happened in the household, from XXXX thur XX/XX/2023, but we was made to make XXXX XXXX XXXX added to it ... Now we recieved notice that {$3400.00} must be paid by XX/XX/2023 to avoid foreclosure ... before XXXX and other health issues we paid on time w/extra {$100.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MortgagePros, LLC
State: GA

Complaint narrative:
I recently refinanced my home with Mortgage Pros, a XXXX  based loan orginator. I was allowed two months of time before I needed to pay again. That month is this XXXX. I have repeatedly contacted the loan officer for details but have been ignored by text, telephone and email. I fear a default or foreclosure in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Unauthorized Charges and Unresolved Issue with Bank of America Dear Sir/Madam , I am writing to seek assistance and resolution regarding an ongoing issue with my Bank of America credit card account. On [ mention the date when you ordered the {$4.00} basic subscription service from XXXXXXXX XXXX ], I subscribed to a {$4.00} basic service with XXXX XXXX To my surprise, this subscription was later upgraded to a {$250.00} premiere subscription without my consent or request. 
I immediately contacted Bank of America to report this unauthorized charge and requested assistance in resolving the matter. Unfortunately, instead of helping me, the bank agent I spoke with canceled my credit card without issuing a new one. As a result, all the recurring payments linked to my credit card were left unpaid, causing financial disruptions and inconvenience. 
Following Bank of America 's investigation, I was informed that the unauthorized charge was considered valid. This decision is deeply troubling as the charge was made without my consent and in violation of my original agreement with XXXX XXXX 
My attempts to resolve this issue with Bank of America have been exceedingly frustrating. I have spent considerable time on the phone, often navigating automated systems and being transferred between departments. On XX/XX/2023, I devoted over four hours to this matter, and despite assurances that my case would be reopened, I have seen no progress. I think that Bank of America does this to frustrate customers so much that they just give up. I also think that something needs to be done about it. 
I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that my case warrants a thorough review to ensure that I am not held responsible for unauthorized charges on my account. 
Enclosed with this letter are copies of relevant documents. I am also ready and willing to provide any further information or documentation that may be required to investigate this matter thoroughly. 
I appreciate your prompt attention to this issue and your assistance in resolving it. Please do not hesitate to contact me at XXXX if you need additional information or clarification. I look forward to a resolution that is fair and just. 
Thank you for your time and assistance. 
Sincerely, 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 2023-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I set up all my bills on autopayments. Whether they are bills that need to be paid in full each month or bills that payments are to be made and I keep track of those on a spreadsheet that has the balances and the dates that promo rates expire so that I can be sure to pay those balances off in time. 
On my XXXX Synchrony Bank Mattress Firm statement I saw that my promo balance of {$120.00} was going to expire on XX/XX/XXXX. The auto payment on this account is {$100.00}. So i made an additional payment early on XX/XX/XXXX ( {$25.00} ) so that when the auto pay on XX/XX/XXXX happened it would pay off that balance. I didn't think anything of it since I felt I was on top of it and just checked in on this account today and was shocked to see that the XX/XX/XXXX payment was only made for {$78.00} and I had been charged the entire deferred interest of {$420.00}. 
I immediately contacted Synchrony and the agent couldn't help me so I escalated to a manager by the name of XXXX ( ID XXXX ) and was informed by her that there was nothing they could do to reverse the deferred interest since I didn't pay it off in time. I explained that if they look at my history and the amounts that I paid and the extra amount I paid in XXXX that they could tell that my intent was to have that paid off. I asked why in the world would I leave it a little short when I was going to have to pay deferred interest? 
Her explanation was that part of the payment was going to the other promo rate that I had on there that doesn't expire until XXXX. So that left me short. My reply was that no where does it break down what part of each months payment go to different balances. It shows the total of the previous amount paid. I thought this was supposed to be the practice of all credit cards is that payments made go to the balance with the highest rate or with the nearest expiring rate? 
She explained there is nothing she could do because I agreed to pay the balance before the promo expired or else I'd be charged interest. I feel the way payments were applied and the way the balance to pay off is presented is very deceptive. It should be explicit on the statement which part of each payment goes to which balance versus a lump payment amount. It should also explain that if you make additional payments in a month that it impacts your auto payment. No where did it come out and say that the auto pay amount would change. The numbers add up as to what my intent was. She ultimately said there was nothing she could do.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Received an offer from XXXX XXXX XXXX credit card, " Earn {$100.00} statement credit. Use the XXXX XXXX Credit Card and spend {$400.00} within 60 days of account opening. '' Spent {$500.00} and paid it in full. It's been 2 months so I followed up. I was told that I needed to spend the money on the XXXX store. Yet this appears no where in any of the fine print.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, a fraudulent transaction from a Schools XXXX XXXX  is initiated ( the account is my son in laws ). The quantity is XXXX. This money is sent through ( to ) the number XXXX ( my number ). Apparently, this number was ported over from XXXX XXXXXXXX, to XXXX XXXX XXXX on XX/XX/XXXX. I was not aware of this transaction and had no part of it or any subsequent transactions that may occur. We contacted zell on that same day and they were unable to provide any assistance, we contacted wells fargo and they were also unable to provide any assistance because they did not have the number registered. We also spoke to chase and we confirmed that the number was under their zell until the aforementioned date. Finally, we spoke to schools first and they informed me that we could rip the number back from wherever it was located and that would leave a history. That information confirmed it was being housed in wells fargo. That token history exists but the representative at schools first refused to provide me this information because it was internal. As the owner of this phone # and, being unaware to any zell registration to XXXX XXXX XXXX, it is my responsibility to get the information. The thing is, this information is vital to document and reach out to XXXX XXXXXXXX and demostrare to them the account activities did exist. It confuses be because XXXX XXXX owns XXXX through the early warning systems LLC. If you ask me it feels to the consumer that the ball is tossed from one court to the other and no one can give an answer. But the consumer looses the money. The banks seem to restrict information that is vital to following the money and the transactions. XXXX needs to stop washing their hands with ignorance and put a tighter lock on their transactions and be held responsible for the money they handle. They are essentially a transient bank and should have better consumer protection mechanisms like locking down transactions and a universal transaction number so that when a concerned consumer calls, they can immediately take action. Instead this partnering with other banks makes it so that they can only respond to the APP transactions but not the bank transactions. This methodology invites fraud and scams and makes it imposible for the consumer to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
my cards was charged after id was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
Citizens bank was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date of inquiry : XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I signed up for a credit builder loan with Self Financial post bankruptcy. The loan was initially {$3000.00} over 24 months with a {$500.00} in interest. After making my first payment, I found they closed my new account under XXXX XXXX XXXX, this was opened post bankruptcy. I called and tried to resolve but they claim the account was open even though it was reported closed. I paid my {$150.00} payment which then slowly started to drop to {$73.00}. I called and asked for my {$150.00} back and my account closed, they stated the other {$75.00} was an interest payment. However I feel like I should not pay interest on a loan that I have not received or has benefited me per their agreement. So in all, I am paying {$75.00} for them to open an account and close it. They are willing to only close my account and send me {$75.00} back. I want my full amount back since they have not provided the service I have paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is me really seeking a resolution my Address is incorrect. There are address thats not Mine and Im asking for a removal. 


I have listed the address below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now you do have an accurate address showing for me. But this one is not accurate

Company response to consumer: Closed with non-monetary relief