vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I opened a new credit card and had used it for the past year without issue. Upon receiving a billing statement after the first year, I was charged an annual fee. After consideration, I determined the annual fee wasn't worth the benefits I was receiving from the card. So, I called to cancel the card, citing the annual fee. This was done before the statement due date. The only balance on the card was the annual fee. Bank of America gladly closed my account, cutting off all access to information ( including statements, transactions, online log-in, etc ). Standard industry practice is to waive the annual fee for an account canceled within the grace period of the billing cycle the annual fee is posted in. However, Bank of America refused to waive the annual fee. After shutting me out of my account, they will only correspond by mail and I XXXX the US XXXX on a XXXX XXXX where mail takes XXXX weeks to be received. This means every communication I get from them is outdated. Of course, Bank of America devised a process where they would not confirm that my annual fee was waived, it had to be submitted to some other department for review who would not interface with the customer to answer. By the time I discovered that the annual fee was not waived, I had already been hit with two months of late fees plus interest on the annual fee, resulting in almost doubling the annual fee. After multiple engagements with Bank of America, which were all fruitless as no representatives were empowered to take action, I eventually paid the annual fee with all the charges and have no other recourse than to file a complaint with the CFPB.

Bottom line : Bank of America terms and conditions promised me many things in exchange for the annual fee : earning XXXX XXXXXXXX mileage, a companion certificate, etc. They charged me the fee, but refuse to provide the promised benefits.

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 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
My biggest problem I'm having with cashapp is bad customer services..When I called in to speak with someone about my ( Paper Money Deposit ) option begin removed without my consent doesn't make any sense..I asked customer service representative if he would reinstate my ( paper money deposit ) option he refused..I stated that it was once on my call when I received my card..I never instructed anyone to undo the paper money deposit option..So, why are you refusing to put it back into place? The male representative person didn't care about my concerns..So, asked to speak with an supervisor or manager..He stated that no else could help me and he just hung up the phone on me! And whenever I try to get someone else I always get this really RUDE male representative..So, I'm hoping to get a professional representative hopefully a supervisor or manager to help me with my concerns?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: AR

Complaint narrative:
This is a collection agency working for XXXX XXXX XXXX, I think it concerns a credit card because the account ends in XXXX, I sent XXXX XXXX XXXX  a certified letter requesting them not to contact under fair credit act 15 USC 1692 & 805c of Fair Debt Collection Practices AR ( FDCPA ) I ask them to stop calling, texting, and writing me. Under the FDCPA. After two years, they have started back calling my phone from several different phone numbers. 
The numbers : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: Torres Credit Services, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this company has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 XXXX Account # 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 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 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased an XXXX subscription in XXXX of 2022 online through the Capital One Website. The transaction failed on the Credit Card end, not mine, nor was I informed. 

I contacted the CEO on several occasions alerting him of this and asking him to reverse the interest and late fees. Not only did XXXX XXXX not do this, the fees and interest continued to accrue. Today I paid {$88.00} in interest and fees on a {$16.00} purchase as this while completely ridiculous is negatively impacting my credit score.

Thank you for your help friends at the CFPB Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
This company is sharing my information without my consent to insurance companies, this is illegal, and also in accordance to the FCRA law I would like to clear my report from any adverse action that are making my premiums high.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a frost bank debit card and apparently someone had opened an account in that name with that financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
Repeated calls everyday, leaving no message as to their business matter or any message whatsoever ; they hangup. When I have answered calls the call is either : disconnected or routed to an automated service with no ability to speak with someone. 

I owe no debt other than Student Loans and their calls are stress to me and cause inconvenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I went through the process of refinancing and was told by the loan specialist that everything was approved. I sent all requested documents and paid {$500.00} for an appraisal and I haven't heard back or received any notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX Of XXXX XXXX Syncb/Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revenue Servi 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 non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i opened my account with wells fargo initially XX/XX/XXXX XXXX i forgot that i opened it and had lost the account long ago. so recently i tried to opening an account with them. XX/XX/2023 i called them to see if someone could help me open one. they already have me in their system from the account i opened in XXXX but i cant open a new one due cant verify identity despite having one opened 3 years ago as well as having the same exact email address. knowing the address i had on file which was XXXXXXXX XXXX XXXX XXXX ny XXXX the phone number being XXXX and they cant still verify my info from the account but cant open a new one. so i get told to go to a branch even though my zip code is XXXX and they even acknowledged there isnt a branch for 100 miles. i tried getting in contact with the branch located in new york XXXX to try to get help to open it over the phone no one ever even got on the line. i received a secured email message the same thing i asked them if i could use to send in my id and ssn to open the account since i cant get to a branch in person. they too never get back to me. i have tried numerous times to get help opening this account again and getting a debit card sent to me but i guess what they say about wells fargo and them constantly scamming and wronging their customers/ not caring about them at all is entirely true.

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 2023-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
Hello, I dont know how far the email will go or if I can get this resolved but I will try. I close mouth dont get fed. Ive reached out to so many people even corporate and I keep getting rear ended. It should be a crime to charge 181 % in interest on loans. Why is it legal in Tennessee? These loan sharks target people who are suffering rich or poor. My only working vehicle has a 181 % interest loan on it with TitleMax. They never told me the interest rate until after I signed the papers. They never tell me what has been applied to the loan until I go online to see. I paid {$2700.00} on a {$2100.00} loan and still owe {$2700.00}. Ive used TitleMax several times and never had this hard of time paying this off the loan until now. I am trying to get my XXXX  in XXXX XXXX and homeschool my XXXX children, my income can not afford $ XXXX {$400.00} payments and only {$90.00} goes towards the loan. I have reached out to TitleMax general and district manager and none of them would return my calls. It took 3 weeks for them to return my call and they refuse to work out a payment plan so the interest dont keep accumulating. They told me I need {$650.00} to get current and only {$120.00} will go towards the loan the rest is interest. I called them on XX/XX/XXXX to forfeit the vehicle because I can no longer afford the payments. The general manager request that I drop the vehicle off at their office and take a XXXX home. I dont have XXXX money. I already paid the vehicle off and they want me to go out of my way to satisfy them. This should be banned in Tennessee. How can someone charge this much interest? The car is still in my driveway and I cant drive it because the tags are expired and no insurance because TitleMax will not come and get it and let me be done with them!!!!! I would love to keep my vehicle but they will not communicate with me and letting the interest on the loan get higher. Please help and send this email to someone who can help. Ive been in touch with the office since XX/XX/XXXX. I was current until XX/XX/XXXX. The General manager refuse to work with me on making monthly payments he said the District manager said he cant help me. I am on section 8 and my loan payments are more then my rent!!! My car started having problems and I can not afford to get them fixed because of their high interest rate and monthly payments. Im just trying to work this out but its obvious they dont want to nor have they attempted to get the car. Ive paid off over 10 loans with them and its sad that they couldnt work with me so I can keep the car. I am a single mother of XXXX whose just trying to make it and theyre making it impossible for me and Im sure others who are barely making it. There is no interest amount on the statements. I uploaded a statement from XXXX on another loan I had and it shows the interest. 


Thank you so much, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid off an account which was XXXX, Comenity bank was the collections. I settled the account for {$2000.00}, been 2 months and still shows on credit collections. Never entered to credit report. Was also told that I would recieve a letter stating that account settled, never did recieve such letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MI

Complaint narrative:
Was sent to collections with no knowledge never sent validation letter or email or call. The debt in question I do not owe, as the landlord kept my security deposit and told me I can move out and they will keep it and I also have texts to prove it. Than they tried to submit bogus damage charges they claim I did to the house and I told them that I needed a break down of charges including time spent performing the repairs which they never sent only a text breakdown. I agreed that the screws in the wall where my doing but that's it. When I told them that the damages are bogus and told them we can just meet in court they never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Auto Loan Complaint Department responded back to CFPB complaint Number XXXX. This company has lied on me more than once. Exhibit A will show all incoming and outgoing calls. I have spoken with XXXX at Ext XXXX and XXXX at XXXX XXXX on XXXX please look at phone history. The phone calls was more than 15 minutes. The same company above lied like they never received my payment I mailed in the beginning of XXXX. I have been mistreated by this company and I suffer mental abuse. My XXXX payment that I mailed in was never applied because they wanted to repo my car. This same company has been in trouble for doing bad things to their customers now turn around and do me the same way and lie on me to make their company look good. I called in on XXXX to see have my payment been applied to my account. This company responded no and told me your account was closed on XXXX and demanding full payment or refinance the loan. The collection department was so cruel to me I couldn't believe it. I XXXX XXXX XXXX to the company on XXXX and will continue to pay on my account. I just went back to work in XX/XX/2023 and I made a payment with my debit in XX/XX/2023. I also made two payments in XXXX one payment was never applied. I have been treated unfair by this company and my account should be reopened due to dishonesty and mistakes that was not my fault. I have been taken advantage of by this company. Justice needs to happen I'm a frontline worker for my city and state. Wells Fargo need to do right by me and other customers. I put my hard earned money on this account and I get discrimnated because I caught XXXX XXXX and couldn't work until my doctor released me. I respectfully request Wells Fargo Auto Loan to apologize and reopen my account for their lack of dishonestly.

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 2023-03-26 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USX 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-03-26 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 XXXX Account # 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 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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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