vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a new Bank of America XXXX XXXX Credit Card and I set up autopay on my account for XX/XX/XXXX. Despite this, Bank of America did not process the autopayment on XX/XX/XXXX. As a result, i was charged a {$29.00} late fee and roughly {$16.00} in interest. When I called, they said it can take 1-2 billing cycles for the autopay to process. They finally agreed to waive the fees but only after I asked, but I still had to call and wait on hold for 16 minutes, and I had to make a payment immediately, which included the fees and interest. Now I will have to wait until the next cycle to receive the waived interest and fee amount. No other credit card I have takes such a long time to set up autopay. This is unacceptable and is clearly being done to trick consumers to get extra fees and interest out of 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 monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had opened a dispute and sent in multiple times supporting documents and capital one is refusing to look at the documents and has since close my dispute and sided with the company dispite my items being returned to the company and me being owed a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
I have requested to received a relief plan as well as notice of increased expenses where I can not make the payments for the next few months and I am still received additional interest and fees that are not being waived during a time of increased cost of living. I have also sent my bank statements to reflect where my income is going -- basic necessities such as housing, car needs and groceries. I am requesting assistance on a decreased plan and for the interest to be removed during this difficulty time. This has the potential to weaken my credit and cost of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
My account with XXXXXXXX XXXX was restricted after I made a deposit into my accounts because of Early Warning services LLC. I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On Thursday, XX/XX/XXXX, I, XXXX XXXX, received a letter with no company name, just an address provided, for a XXXX XXXX at my address, XXXX XXXX XXXX, XXXX, TX XXXX. 

I attempted to return-to-sender via USPS as XXXX XXXX does not live at my address and is not associated with my address. The USPS returned the letter to me because the debt collector provided to allow for forwarding/return instructions. 

As such, I had to spend time, money, and postage to return the letter to Rausch Sturm, LLP. Their name is not on the envelope and a detailed address search had to be conducted. 

Being a victim of identity theft, I am unsure what this debt is, if it is in any relation to me, or what effects it may have on me.

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 2022-10-31 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: MI

Complaint narrative:
I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter

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 2022-10-31 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:
I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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:
I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter

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 2022-10-31 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: Patrick K Willis Company Inc
State: TN

Complaint narrative:
I spoke with a XXXX XXXX that works for XXXX XXXX in my attempts to talk with her which the customer is always right, she was rude she threaten and used abusing language when asking her where the location of my repossed automobile was< which repossession is a violation of the state constitution and federal law 15 USC 1692c ( b ) and federal law 15USC 1692e ( 4 ) XXXX XXXX XXXX was very unprofessional and hung up the phone on me! XXXX XXXX has violated federal law and mine and the state of Tennessee my constitutional rights! They violated my constitutional rights of Article 1 Section 7 which states that people shall be secured in their persons, houses, papers and possessions from unreasonable search and seizures XXXX violated the constitution by seizing my vehicle without the consumer direct permission which is theft and deceptive fraud! XXXX also violated federal law 15USC 1692 ( B ) by contacting and conspiring with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, Tennessee to steal my property protected by the Tennessee constitution Article 1 Section 7! XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX a third party violated federal law 15USC 1692 ( B ) communication with third parties Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as a reasonably necessary to effectuate a post judgement judicial remedy, a debt collector May not communicate, in connection with the collection of any debt with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law and this is a violation of 15USC 1692 ( E ) which also states the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the Seizure, garnishment, attachment, or sale of any Property or wages of any person unless such action is lawful, and also the threat to take any action that can not legally be taken or that is not intended to be taken! XXXX! XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated and disregarded federal law by committing an act of theft and communicating with third parties without my consent the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, EOS CCA, XXXX XXXX XXXX XXXX, MA 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
This is a following of complaint XXXX I do not understand why the complaint has been closed. Or maybe I do not understand the role of the cfpb. 

I thought the role of the cfpb was to protect individuals and businesses from predatory companies and potentially investigate misbehaviors. 

I am pretty sure you have received numerous complaints about goodleap and closing a complaint just based on a response from the business is not aligned with my understanding of your role and goals, especially when the response just says " we are not going to do anything for you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We bank with XXXX XXXX and two of our checks were fraudulently deposited at TD Bank. Each check was for {$18000.00}. TD Bank refuses to respond to XXXX XXXX requests for reimbursement for the claims. They have actively followed up and TD Bank continues to do nothing. According to XXXX, this is very typical behavior of TD Bank, they do not return fraudulent funds despite legitimate claims. 

Something needs to be done to stop TD Bank from keeping fraudulent funds. This has to be against the law, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Dear Sir/Madam, I was send a letter from Rausch Sturm informing me that there is a collection account on my file from XXXX XXXX  and that they were collecting it. Rausch and Sturm never provided validation of the debt. 

In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. 

Consequently, Rausch Sturm, LLP and XXXX XXXX should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. 

Rausch Sturm and XXXX XXXX  never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.

2. The signed agreement from the debtor conforming to pay the creditor.

3. The documents regarding the payments made on this account validating the amount.

Thank you for your prompt attention to this matter.

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 2022-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Continue to receive calls from XXXX XXXX Holdings excessively and on a business phone number which I can not receive any personal calls. The representative claims that I owe a payday loan debt and when I ask for more information they dont not provide any. The representative uses abusive language and yells over the phone demanding payment and accusing me. I do not recall ever taking a loan from Check and Go and contacted Check and Go and they do not have any records with my name or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent in FTC ID theft report and Transunion responded with them stating that the dispute wasn't sent by me. They never responded to the identity theft, please see attachments.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My account with XXXX federal was restricted after I made a deposit into my accounts because of XXXX XXXX XXXX XXXX I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I sent in FTC ID theft report and XXXX responded with them stating that the dispute wasn't sent by me. They never responded to the identity theft, please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I closed on this loan on XX/XX/XXXX with the XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the loan was transfered to Gateway First Bank> The letter also stated that nothing else about my mortgage payment will change. I received a letter from Gateway XX/XX/XXXX stating the same. 

Sometime later I received a letter from Gateway First Bank stating that my property insurance had expired and I needed to purchase property insurance, including wind and hail. As this was not the case, I assumed that they had made another error ( In XXXX they had made a mistake with the escrow, collecting my mortgage payment and placing it in tax escrow. I am 100 % XXXX XXXX XXXX exempt from taxes and the initial loan was written without a tax escrow. This was rectified ). 

On XX/XX/XXXX, I received another letter stating that the property insurance was expired on this property and I needed to purchase wind and hail. They, Gateway First Bank, had purchased wind and hail for me and I would be responsible for the charges. I phoned Gateway on XXXX and spoke with 4 cus service reps who informed me that my homeowners insurance did not include Wind and hail coverage and that I had to purchase it. I explained to them that I was informed by XXXX XXXX that I did not live in flood or XXXX XXXX and I was not required to purchase wind and hail to close on my loan. I closed without wind and hail coverage. Each individual at Gateway Bank explained that it XXXX not have been required with XXXX XXXX, but now that they are servicing the loan, Gateway requires it. They repeated over and over that I need to purchase wind and hail because they have purchased it on my property, since XXXX, and I would be responsible for payment of the policy they purchased. I made them aware that all correspondence from both the previous bank ( XXXX XXXX ) and themselves ( Gateway First Bank ) stated that nothing about the mortgage loan would change, just who collects it. They continued to express that their bank ( Gateway ) is now requiring wind and hail, although I was not required to have it with XXXX XXXX and it closed. I also asked them to provide documentation to show that this coverage is required on my loan after closing or to have the situation escalated to be resolved. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Sir/Madam, I was send a letter from XXXX XXXX XXXX XXXX that there is a collection account on my file from Synchrony Bank and that they were collecting it. XXXX and XXXX never provided validation of the debt. 

In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. 

Consequently, XXXX XXXX, XXXX and Synchrony Bank should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. 

XXXX XXXX and Synchrony Bank never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.

2. The signed agreement from the debtor conforming to pay the creditor.

3. The documents regarding the payments made on this account validating the amount. 

Thank you for your prompt attention to this matter.

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 2022-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mortgage payments were stolen for the months of XXXX back in XXXX from the USPS, I mailed them out and they never reached my mortgage company. Theres an active investigation, my money is in the process of being returned. In XXXX I applied for the HAF program and was approved on XX/XX/2022. HAF has agreed to cover 6 months of payments. XXXX, XXXX, and XXXX for back payments and three months forward. I have been calling my mortgage company keeping them informed about payments. I have even emailed them copies of the approval from the HAF program. I was told today that they can still proceed with the foreclosure process. They have not placed any flags in my account about the HAF program. My mortgage company is expected to start receiving the back payments on or around XXXX XXXX. I am concerned because theres no one I can speak with to clarify and notify that those back payments are going to be made through HAF.

Company response to consumer: Closed with explanation