vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America is charging fees on credit when I paid my bill before due date. I always pay my card monthly. I paid my bill every two weeks. Credit card due XX/XX/XXXX and I paid {$1000.00} XX/XX/XXXX or before toward my credits card before due date. However they still charge myself as a consumer fee {$45.00} stating I have to pay full amount of balance. I have paying my card on time and extra to minimize balance as soon as possible. I then looked over previous month bill on my credit card they charged XXXX direct deposit fee. I always do transfer online bank to bank from my Bank of America account. Never had a fee. This second fee of {$180.00}. I transferred credit cash from my credit card toward my Bank of America debit card through the app. Same bank. I also specifically ask Bank of America employee when I do the transfer through I can pay my card monthly he said then when spoke with agent yesterday she said I have to pay full amount which contradicts what I was informed about fees and charges. They basically tried to charge fee every month I guess. I was told I had a special promo if I brought money from credit card cash not interested rate and I pay like I normally do every month before due date. No fee. I called them today again and wait for over 20 minutes no response. No answer and on hold

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 2023-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
DELETE THESE INQUIRIES, PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXXXXXX XXXX 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 2023-10-23 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: NJ

Complaint narrative:
DELETE THESE INQUIRIES, PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
For many years I have had an automatic deduction set up for my mortgage ( account # XXXX ) from my checking account ( XXXX ) in the amount of {$1900.00}. On XX/XX/2023, Chase debited my checking account in the correct amount. On XX/XX/XXXX, I received a late notice on my mortgage statement indicating that payment had not been received, the amount due was double, plus an {$80.00} penalty. I immediately made a second mortgage payment, including the penalty, as I don't wish to jeopardize my farm. When I called chase checking, they could only look at the checking side of it and told me that the payment had not been returned so it must have been applied to my mortgage. When I called the mortgage department, they could only see the mortgage side of and said that it had to have been returned to my checking account. ( It hadn't ) They did give me a " temporary '' credit of {$1900.00} until I could " work it out '' with the mortgage department but I'm having no luck and can not afford to make double mortgage payments. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following information does not belong to me, I 'am a victim of identity theft.

Reason Code : This account is not mine and is a fraud. Please delete it from my report.

Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately.

Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the FC RA 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) Verification of signed Invoice.

c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within five days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.

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 2023-10-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
I have had a cashapp card for years. A few months ago I had locked my card on the app and then I tried to unlock it to begin using the card again. However it would not let me. I then contacted support MULTIPLE times over the span of MONTHS. No one would ever tell me why or get back to me. I finally got a response today stating that the decision is final and they could not give me a reason. I never went negative, never made any suspicious purchases. I did not do anything to just have my card closed on me like this. Then to take months to get back to me and then tell me its a final decision and I dont even know why in the first place is ridiculous when I am the one who locked my card initially. This seems like scamming, fraudulent behavior. I have copies of all transactions and balances to show I have no nothing worthy of just being closed with no response for months or answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I was sent a collection letter for a vehicle that was impounded for unknown reason. I told them I sold the vehicle years ago and submitted the bill of sale to the dmv. The actual date i sold and sent the bill of sale to the XXXX department of motor vehicles was XXXX XXXX and they insist i owe them for the storage of this vehicle. This company continues to call my place of employment after being told not to call. I wrote a demand XX/XX/2023 for information letter and they sent just a receipt from the towing company. Date of response XXXX XXXX with no supporting dmv lien documentation. I also sent a cease and desist letter On XXXX XXXX, 2023 that was ignored and they continue to send me collection letters with a treats to take legal action. I then received an additional collection letter date XXXX XXXX with more lclaims of legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My home was in foreclosure. I applied for XXXX funds and got the loan reinstated through those funds in the amount of {$39000.00} in XXXX of XXXX. This involved a large amount of work on my part and the part of my attorney to get TD Bank to provide an accurate reinstatement figure to XXXX. We had to file a CFPB complaint just to get that done ( CFPB Complaint # XXXX ). Ultimately, TD Bank did provide a reinstatement figure to XXXX  on XX/XX/XXXX in the amount of {$39000.00}. TD Bank stated in a letter dated XX/XX/XXXX in response to my last CFPB Complaint that this amount brought the loan current. See attached letter dated XX/XX/XXXX. 

Then, immediately afterwards, I started receiving statements telling me that I still owed over {$12000.00}. On XX/XX/XXXX, I called TD Bank after receiving one of those statements, spoke with a representative named XXXX XXXX and she told me that that amount reflected legal fees, appraisal fees, and other fees. I was then transferred to a representative named XXXX who told me that it was unusual to be charged those amounts following a HAF award -- -that the HAF award should have put my account at a XXXX balance. I then asked for a paper statement to reflect a XXXX balance and the current mortgage payment that would become due. I never received that statement and instead received a statement on XX/XX/XXXX, again telling me I owed {$13000.00}. 

I next sent a request for information and notice of error to TD Bank on or by XX/XX/XXXX. I have not yet received a response to that letter, but I would appreciate TD Bank setting my account to current status and removing the {$13000.00} charge, so that I may finally resume making monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am adding a police report to to a previous complaint I made. I am the victim of identity theft and all my accounts at Wells Fargo were affected. All my transactions were rectified except for one. Wells Fargo says I went into the branch in person to withdraw foreign currency but I was not in the country while this happened. I had all my ID 's with me and I did not give consent for anyone to do this. I was also locked out of my accounts online so I could not monitor this at the time. I also provided my flight information to prove I was not in the country. 

the previous claim number is : XXXX I made a police and am attaching it here.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX and XXXX Payments are reported as late on XXXX, Experian, And XXXX, although a double payment was made in XXXX to XXXX XXXX  Loan number XXXX Account 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 2023-10-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
DELETE THESE INQUIRIES, PLEASE XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following personal information is incorrect XXXX XXXX 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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We purchased an auto from XXXX XXXX XXXX of XXXX. After the purchase, we discovered fraud in the sale of auto. We then requested the Loan Agreement from Capital One Auto Finance : XXXX XXXX XXXX, XXXX, Texas, XXXX, via certified mail on XXXXThey refused to send it. We then complained to the Office of the Controller of Currency, who then advised us to call via phone and make a request for documents. They still refused to send documents.We complained again to Office of Controller of Currency. XXXX XXXX XXXX then sent a loan agreement that was mostly unable to read, not legible ie partial pages font size greatly increased making it impossible to read. We feel this is in retaliation for filing a complaint to the O.C.C. We need this Loan Agreement to complete this investigation for further fraud. asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
In XXXX of XXXX, I was served with papers notifying me that Tower Loan had filed suit against me. I immediately contacted the Tower Loan office and also filed an answer with the Clerk of Court in XXXX XXXX. I have since made several payments ( which I can provide receipts for ) only to be told I am still past due and they keep adding fees and penalties to my balance making it seemingly impossible to pay this debt off. I had the cash in hand but could not make it on a Friday afternoon in XXXX. I spoke with XXXX and advised him that I could come in first thing that Saturday morning ( note that they ARE open on XXXX ) to which he replied he would " meet me somewhere '' to take the payment and that he was not allowed to take a check or debit card payment by phone. I feel like Tower has harassed me and not been willing to work with me. I have explained to them that I am going through a divorce, lost income and have even been hospitalized. They do not care one bit. They continue to call me from unknown numbers. When I don't answer calls that say " unknown caller '', they leave rude voicemails. In XXXX of 2023, I requested a complete billing history from Tower Loan and was told they would get a copy from their attorney. After not receiving anything from Tower, I contacted their attorney myself. They emailed me a statement breakdown which reflected principal, interest, attorneys fees, late fees, court costs and remaining balance. They did not however show all payments made and where the attorney costs were paid. I have tried to speak with XXXX several times about getting a statement and he only says he'll have to get it from his attorney. Then they were supposed to mail me a copy but I have yet to receive it. The email also states that : " We understand that you may periodically request from our firm an updated balance on your debt. The first such request in any calendar year will be provided to you free of charge upon receipt of a written request for same. However, pursuant to La. Revised XXXX XXXX, this firm charges a fee of {$45.00} for all subsequent balance requests ( after the first one ) in a calendar year. For all subsequent balance requests, please send {$45.00} so that our firm can process your request. '' So, they can charge an individual to get information on their own loan? That makes no sense. It seems as if Tower is trying to hide something. I just want a statement that reflects ALL PAYMENTS MADE - in detail, not just amount paid in. Can anyone help me?

Company response to consumer: Closed with explanation