vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I receive occasional inbound wire payments from the XXXX. In the past, the wire fees have been waived, as per my customer status. However, that's no longer happening. Most recently, an inbound wire received on XX/XX/23 showed the amount of USD {$530.00}. The invoiced amount was for {$550.00}. The sender assured me that they sent USD {$550.00} ; BOA 's online transaction reports clearly shows a {$20.00} fee deducted by BOA ( see attachment # 1 " Fee '' ), as does the mailed BOA advice ( see attachment 2 " BankLet '' ). 

My " banker '' at the XXXX XXXX XXXX office has not responded, but in the past has also failed to reverse these charges, instead pointing to a {$16.00} or {$17.00} " fee reversal '' numbers that seem rather random. However, as you can see ( see attachment # 3 " Online '' ), the supposed reversal does not change the balance. Thus, it never happened. Pure window dressing. 

Failure to reverse fees, as promised by the bank, can constitute consumer fraud. That would be an especially unwise thing to do at a moment like this. But it may also suggest that BOA is experiencing severe liquidity problems.

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 2023-03-27 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX Bankruptcy XXXXXXXX XXXX Bankruptcy, 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. section2 : States a consumer reporting agency can not furnish a account without my written consent TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX XXXX Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : -

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 2023-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was supposed to receive a distribtuion from employement retirement services from Wells Fargo for {$34000.00} on XX/XX/XXXX. They confirmed this transaction but this time they sent Wells Fargo XXXX as payment as I learned on XX/XX/2023. The adminstrator and Wells Fargo HR ( both confirmed this. 

I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ) as directed and both confirmed no shares were received or an account even exists. Therefore I can not sell the stock while the stock is " lost '' by Wells Fargo as distribution for my retirement plan. 

The stock has lost value and I have no ability to sell and the company is only able to confirm distribtuion but not the location and as of XX/XX/2023 " lost ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.

Complaint narrative:
Hello. I am experiencing an issue with the company Square that facilitates credit card payments. I am the owner of a car repair shop, and I also sell wheels and tires. I received a call fromt a customer wanting to purchase a set of four ( 4 ) tires. The payment was made through the phone, the customer sent his driver 's license with a picture and adress, and then we proceeded to the payment using Square 's app. The customer provided a credit card number, expiration date and the 3 security digits in the back of the card. The payment was accepted by Square and went through. I ordered the tires, and as soon as I received them I called the customer to come pick them up. He picked up the set of four ( 4 ) brand new tires and went away. About a month later, I received a message from Square that this charge on the credit card was disputed by the cardholder. Square withdrew the money from my bank account, until the cardholder 's bank resolved the issue. 90 days later, I got a response from Square that the bank is calling the decision in their customer 's favor. I contacted Square, demanding an explanation how the bank took this decision, but they are not willing to provide me any details on the bank 's decision, nor which bank it is or what so ever. So how can I be sure that the bank really did take that decision? To me this looks very sketchy, and it looks like Square are not willing to provide any details because they are keeping the money for them, even if the bank made a decision to pay back the money. I am thinking that since Square are not willing to provide any details, the bank might have gave them back the money since it's their cusomer that did not protect his credit card information and Square are just stealing the money. Which is pretty much a theft. I would need your help to resolve this issue, since I have no idea who else to ask for help. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I deposited a check on XX/XX/XXXX with XXXX on my mobile device and when I did so it said my funds would be available on XX/XX/XXXX. On XX/XX/XXXX they put a 10 day hold on my check from XXXX XXXX because they said prior history of them not honoring checks. I spoke to XXXX XXXX in XXXX  XXXX and they said thats absurd and that XXXX had already collected the money. 

I then spoke to XXXX and they refuse to release my money and said it wont be in my account until XX/XX/XXXX, even though online it says its posted. They said they are just going to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America sent email that I need to unfreeze my credit to get a credit card I did not apply for XXXX time a card was issued for me and my spouse.. 
XXXX  time in 3 months Telephone number on email does not answer My credit is on freeze because of this activity by BOA Bad business practice Bank of America

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid my balance in full via the mobile app, yet received a statement the next billing period for only interest. I have carried a balance in the past and have been paying it down to pay off. When I paid my remaining balance in full via the mobile app, I was presented with the option to pay the minimum, pay the balance in full, or pay another. I selected to pay the balance. The assumption is the balance due would include interest. There was no mention of interest not included, so I expected my payment brought my balance to {$0.00}. When I called about the interest only, I was told the interest is only calculated at the end of the billing cycle after the payment as made. If I had wanted to find out the pay off balance, I should have called customer service for the pay off amount. Nowhere on the mobile app or website does it tell me the total balance due does not include interest and its different than the amount they show as the payoff balance, and nowhere does it mention to call customer service to find out the pay off balance. They are hiding hidden accrued interest charges. The calculated accrued interest needs to be included with payoff balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
My XXXX XXXX account sent emails asking about my new card. I did not apply for a new " XXXX '' credit card, nor heard of it. I called the card company and the account opened was under my ss # on XXXX. The card company closed the account and are doing an investigation for fraud. No charges were made using the card as per indigo. They recommended I file an official complaint and said the will mail me verification of closed account. They were very nice and helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX they placed my account under refview and will not give me any information. They did not notify they were putting my account on hold and froze my account and i did not find out until i went to make a purchase on XX/XX/XXXX. 

I have escalated multiple times and they accepted my paycheck but wont give me the money. I have a active XXXX XXXX case and they are in violation of the automatic stay by not releasing my funds. 

I want my funds sent to me and the account closed. I am fine if they dont want my business but they are holding my funds XXXX. I have {$2400.00} showing available but they are keeping it 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 monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had XXXX accounts attempted to be opened using my name/SSN/other information. All of the accounts were denied, but they showed up as inquiries on my credit report. No purchases were made as no accounts were successfully opened. I have contacted XXXX to report the fraudulent activity as well as the companies associated with the accounts to report them as fraudulent. Each company stated that they stopped the account/application from proceeding and marked it as stolen. I contacted each company on XX/XX/2023. Each company, along with the date the inquiry appeared on my credit report, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, no accounts were opened and no funds were taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
They charged me a lot of fees they should not have. At the end of the loan they sent me like XXXX different checks for {$2.00} {$5.00} {$6.00} I called to complain they even put it on my credit report when they shouldn't have. I had nothing but problems with them. They made me buy the gap insurance and I was never reimbursed for it.

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 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so in any form. I applied for a personal loan and a credit card XX/XX/XXXX and was denied both times. 

They are also closed several of my checking account for being in the negative, and I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse 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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am trying to access a portion of my unlimited credit and Bank of America will not let me do so in any form. I applied for a car loan and a credit card in XXXX and was denied both times. Due to this denial I had to go with a subprime bank to purchase a vehicle. 

They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was lured into a crypto futures trading scam and I ended up losing XXXX. Then I tried to get the money back using the crypto marketing company but that turned out to be another scam and I lost XXXX to them, I put XXXX of that on my credit card and got nothing in return. Now I'm disputing that with the credit card company but it doesn't look good. I shouldn't have to be forced to pay them that money since it was all part of a scam. That would just be perpetuating the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am planning a trip to XXXX for the school. They did not allow us to use their credit cards so I had to pay the airline with my credit card. The auditors don't want the check to be written to me. They write it to the credit card company. I have to wait for the charge to appear on my card and then print out a receipt, fill out paperwork and submit to the office. The class treasurer, the principal have to approve the disbursement. Then the secretary writes the check. They do this process once a week so if you don't get it in before that week you have to wait until the next week. Then I have to go to the post office and mail it. My due date was XX/XX/XXXX. I went to the post office so I could mail it certified mail on Tuesday XX/XX/XXXX. It was getting mailed to a place less than a XXXX XXXX XXXX from my house. I also have the return receipt. The credit card company posted interest from it being late on XX/XX/XXXX. They charged me {$530.00} and change. I called on XX/XX/XXXX the first time and was given the run around. I called back on the XXXX and was told it was declined. I called back again a few days later and another woman told me it was escalated and they were waiting for an answer. It should take 7 - 10 days. As of today XX/XX/XXXX I have not had an answer. I asked them to drop the interest charges because the school will not pay it. I paid the entire amount off that I had charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  Bankruptcy XXXX XXXX  Bankruptcy, 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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXX Equifax Type : XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX  Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX XXXX Equifax Type : XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express charged me interest on charges that I had put into disputed status, THE DISPUTES ON WHICH ARE STILL UNRESOLVED TODAY, in blatant and fraudulent disregard of governing federal consumer protection law that PROHIBITS EXACTLY THIS! I detailed this for them in 3 phone calls over the last 2 months, but they refused to remove this fraudulent interest charge. They also refused my request to have all 3 of my calls transfered to a supervisor in the US! 

All of this despite the fact that I have always, EVERY month for the past 19 years that I have been with American Express, paid my ENTIRE undisputed balance in full and on time, as I detailed to them in those 3 phone calls. American Express is tired of not making an " extra profit '' off of me ; the float they earn off my SIGNIFICANT monthly charges is not enough for them! They have to try to charge me their OUTRAGEOUS interest that they do to thousands of their card holders! 

American Express is also doing this to retaliate against me for the prior complaint I filed with this CFPB detailing how I was unable to use my card at all over a 3 month period because, EVERY time I tried to use it, American Express put a LUDICROUS and FRAUDULENT block on every charge with an equally- ludicrous claim that the charge " appeared to be suspicious ''. EVERY one of those supposedly-suspicious charges was to a MAJOR, TOTALLY-REPUTABLE US merchant/vendor!! ! And then American Express had the audacity to wait more than 30 minutes on EVERY one of those blocked charges to send me a text message requiring me to verify that the charge was OK!!! By then I had obviously finished the on-line charge and/or left the store in question, having had to make the charge using a different credit card that I did NOT want to use!!! All of those charges went through on that other card with absolutely NO PROBLEM WHATSOEVER!!! Of course they did : they were NOT suspicious in nature AT ALL!!! 

If I have to pay this FRAUDULENT interest charge, I will sue American Express in small claims court to recover it AND ALL applicable/related legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom Card Services ( " Nordstrom '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, Nordstrom reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.

Company response to consumer: Closed with explanation