vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: MD

Complaint narrative:
Re : Increased Interest Rates I have contacted US Bank four ( 4 ) time concerning increased interest rates on past purchases. Requesting they reduce these rates. My request is based on the regulations by CFPB and the Credit Card Act passed into law ( XXXX XXXX thru XX/XX/XXXX ). I have never received any information from CFPB or the Credit Card Act making changes or canceling these regulations, or they are no longer effective. ( There is a ban on arbitrary interest rate increase, including retroactive rate increases. The Act states that banks can not raise rates on your existing past balances, unless you have failed to make payments for 60 days or more ). I feel US Bank has not adhered to these regulations. 

US Bam stated they have the authority to raise the rates based on the Federal Reserve increasing the Prime Rate. These increased started before the Prime Rate was increased. 

US Bank has been increasing my interest rates for a long time, sometimes every month. ( Beginning XX/XX/XXXX, interest rates for purchases was 7.24 %. Rates have increased monthly/yearly to XXXX to 17.24 % and 21.24 % for purchases ). I have contacted them other times concerning the rates. They have never reduced rates. I have had this account for many years. I have always made on time and before due date. ( Was late one time for 2 days, because I had not received my statement ). 

I have requested they review and re-evaluate the increased interest rates, based on the valid regulations, and apply a rate deduction. This request was denied. 

I received a Platinum Card Agreement letter from US Bank state the interest rate for the APR will be effective XX/XX/XXXX. This letter was received 5 to 10 days after my contact with US Bank. This is the first time I have received a letter re interest rate increases. 

I am filing this complaint for review, based on the valid regulations. I want to be treated fairly as a loyal customer. 

RESOLUTION : Lower/reduce past retroactive interest rates applied to past purchases, based on valid regulations. Credit account, and adhere to regulations. 

THANK YOU I

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 2022-11-30 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have received several refund checks from the overdraft fee class action ( Morris v. Bank of America ). I no longer have a bank account with Bank of America due to them imposing outrageous and numerous overdraft fees. I went to go cash a check for {$32.00} that was sent to me due to the result of this lawsuit and was told I had to pay an {$8.00} check cashing fee in order to cash the check since I was not a current customer. 
Bank of America time/location where I tried to cash the check : XX/XX/2022 Around XXXX XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX, NC XXXX My complaint is that I should not have to pay a check cashing fee for money that is being refunded due the result of a lawsuit. 
Lawsuit : Bank of America, NA ( BANA ) is paying {$75.00} million to settle a class action alleging that it improperly charged insufficient or non-sufficient funds fees ( and/or overdraft fees ) involving the timing of actions in several situations, including for Retry Transaction Fees, for Intrabank Transaction Fees, and for Fee Accrual Claim Fees. The complaint alleged the bank breached its customer agreements and violated state consumer protection laws. 

Docket Number : XXXX I should not have to pay these fees because they would have never had to pay fees to access the money being refunded had they not violated their costumer agreements and state consumer protection laws. 
Consumers receiving settlement checks are not getting the full balance owed to them since they charge {$8.00} to cash it. They are defrauding the customers who have already been a victim of Bank of Americas schemes by charging the customer fees to access the funds they took illegally in the first place. 
Its like they couldnt get stand to do the right thing and give people their money back free of charge, they had to get SOMETHING. 
This is absolutely unethical. This is causing more problems on top of the ones they created a couple years ago when this was happening. I stayed on the phone with these people constantly when banking with them about their ridiculous overdraft fees. Now you cant contact customer service without having an account. Theres absolutely now way to speak with a human without providing account information which makes it literally impossible if you do not have an account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30 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: NJ

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. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX 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 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 2022-11-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-11-30 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: NJ

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. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX 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 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 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed Transunion is reporting inaccurate collections accounts on my file, so I reached out to them. They verified the accounts even though they are not correct. on XX/XX/XXXX I asked them to provide me with how they verified the information and they never did. They failed to conduct an investigation and they failed to provide their method of verification.

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 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
-- On XX/XX/22, we hired a local plumbing company to do some minor work. My brother paid on the spot with a combination of cash and a {$200.00} money order he originally intended to use for a different bill but had not used yet. He had bought the MO at a supermarket ( XXXX ), which is an agent for Western Union. At the top of the MO, it says " payable at XXXX XXXX Bank XXXX XXXX - XXXX, XXXX, XXXX XXXX, Colorado. '' -- Money orders aren't supposed to bounce, and yet this one bounced. On XX/XX/22, I received a call from the plumbing company saying that XXXX Bank had rejected the MO. The plumbing company sent me a photocopy of the notice, which included the bank 's photocopy of the front of the MO, marked " Refer to Maker - Do not redeposit. '' The bank charged the plumbing company a {$25.00} return fee, which the plumbing company now wants from us along with {$200.00} -- which means an *additional* {$220.00} beyond what my brother paid for the plumbing work in the first place. 
-- Between XX/XX/22 and now, I've tried multiple times to follow the instructions on Western Union 's website ( https : //www.westernunion.com/self-service-form/rmo-form ) by calling the phone number it says to call first to check the MO 's status. Each time, I've either ended up with an automated message saying " We can't help you right now, try later '' or in a loop ( entering the XXXX MO number, entering the dollar amount, and being asked for the dollar amount over and over ). *Western Union charges a {$15.00} nonrefundable fee to track the MO it apparently rejected without explaining why it rejected it, and its list of radio buttons under Reason for Request does not include " We refused to hand over the money you paid us '' as XXXX of the reasons -- suggesting that using that form would just lose us an additional {$15.00} without solving the {$200.00} ( and {$25.00} ) mystery. 
-- I also tried calling the XXXX XXXX XXXX XXXX branch, the XXXX XXXX automated line that the branch banker referred me to, and a national number for XXXX XXXX ( including asking for the call to be escalated and speaking to a supervisor ). Each of those people asserted they can't do anything about it, it's up to Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX On XX/XX/XXXX, I mailed check # XXXX in the amount of {$58000.00} to payee United States Treasury intended as an installment of my XXXX estimated tax payments. 

XXXX On XX/XX/XXXX, the check had cleared my bank ( XXXX XXXX XXXX ) with the assumption that the check was paid to the actual payee on the check ( United States Treasury ). 

XXXX On XX/XX/XXXX, my CPA filed my XXXX tax returns with the expectation that we are getting a refund of {$120000.00}. 

XXXX On XX/XX/XXXX, I received a letter from the IRS adjusting my refund to {$65000.00} which prompted me to inquire with my CPA the reason as to why they did this. 

XXXX On XX/XX/XXXX, my CPA confirmed that the IRS must have not received my check for {$58000.00} which is the exact difference. 

XXXX On XX/XX/XXXX, I requested a copy of the cancelled check from my bank ( XXXX ) which led all of us to believe that it was cashed by someone other than the United States Treasury XXXX Please bare in mind that the front of the check was not altered in any shape or form but the back was missing the official IRS endorsement markings. 

XXXX On XX/XX/XXXX, I received a call from my bank stating that the check was deposited/cashed at a Wells Fargo Bank XXXX 

XXXX Since then, myself and my bank ( XXXX XXXX XXXX ) have made several attempts to claim the lost funds from Wells Fargo to no avail. Wells Fargo refuses to refund my lost funds.

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 2022-11-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-11-30 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: GA

Complaint narrative:
The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean a consumer report Or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under 50 USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 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. 

Also the credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation