vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been overcharged {$1000.00} on my Capital One credit card for a taxi ride from XXXX XXXX XXXX, billed on XX/XX/2022, for an approximately XXXX km ( XXXX miles ), XXXX taxi ride from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX ), near XXXX XXXX, XXXX, XXXX. 

Facts : 1 ) The card was given to the taxi driver to pay for the XXXX taxi ride, but the AMOUNT charged to the card, {$1000.00} ( XXXX euros ), was an overcharge, grossly in excess of the regulated XXXX XXXX XXXXXXXX. The XXXX taxi ride should have cost about XXXX euros ( {$12.00} ) ; taxis are licensed and regulated in XXXX. 

2 ) Capital One immediately detected the charge as being potentially fraudulent and sent a text notification to my phone at XXXX PM XX/XX/2022 ; I responded to the text with Yes, indicating that the amount of the charge was not valid. 

3 ) As instructed by Capital One, I formally disputed the transaction ( Capital One case number : XXXX ) when the charge posted, subsequently sending two faxes, 6 pages on XX/XX/2022 and 3 pages on XX/XX/2022, fully documenting that the taxi fare should have been around {$12.00}, and that the transaction had been overcharged. 

4 ) However, Capital One has now decided that the charge is valid, BECAUSE the taxi driver claims that the charge is valid, because a card with a chip was used to pay for the transaction.

5 ) The taxi driver has NEVER justified the amount charged, presumably because in doing so, he would be admitting to fraud, because XXXX, XXXX taxi fares are regulated. Consequently, Capital One still has not resolved my overcharge billing dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: TN

Complaint narrative:
I received Rental assistance for the a few months. Its shown on the lease ledger that XXXX place received those payments. XXXX even gave our deposit back. If we still owed XXXX place then why didnt they keep our deposit? 

XXXX place sent a collection of {$2300.00} but received the payment from XXXX XXXX Rental assistance due to covid and me being unemployed. At this time I do not owe XXXX or XXXX debt collector anything. At the bottom of the lease ledger it shows the amount of {$2300.00} received from Rental assistance

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

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 2022-04-15 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: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

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 2022-04-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I pulled my credit report and noticed a charge off from XXXX XXXX  that had been deleted from XXXX and XXXX because they realized that the information is inaccurate, but it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to reply and I sent a follow up response as attached, and they failed to respond again, so I can only assume they are committing tax fraud and I am ready to report them to the IRS for violating IRS regulations .

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian still has not deleted this information that needs to be deleted.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sent this email to Regions Bank on XX/XX/XXXX I am writing this email in hopes that my bank will be following the lead that several other banking institutions are doing as it pertains to NSF fees. Its my understanding that based on an ongoing investigation by the CFPB regarding excessive fees charged some banks are updating their policies. These updates will reduce fees and give people an opportunity to bring their accounts current in a timely manner. 

I think I am a perfect example of a customer who has been loyal for years and yet see constant fees that I really cant afford for either minimal over drafts or multiple small amounts causing lots of fees which in turn those fees compound the negative amount causing additional fees. 

During XXXX my checking account was charged {$3600.00} in NSF fees. As you can see from my account I live paycheck to paycheck raising and educating XXXX kids can do that. I never overdrew my account for frivolous reasons I can understand your banks need to make a profit. 

Thank you for reading my concerns, I look forward to hearing from you. 
Acct number xxxx They did respond by phone a few days later stating that they were in the process of updating their policies and fees because of recent issues in general. The lady I spoke with said she would refund {$140.00} to my account as a sign of good faith, which was nice but no where near the amounts I paid and in allot of situations for a {$2.00} charge that over drew my account they charged {$36.00} and then as fast as I could deposit the fees would continue to be charged making the amounts some months over {$300.00} for me only being over drawn by a few dollars. They have continued this practice during XXXX and I've been charges several hundred dollars again, most recently for being over drawn {$30.00} I was charged {$72.00} and then my deposits could cover more fees. 

I called today ( XX/XX/XXXX ) to see if they could help in reversing the {$72.00} and I was told that now you get 1/2 of a few refunded over the life of an account and I had exceeded that {$18.00} refund amount. I just don't know how the bank continues to charge such high fees knowing that in the economy for the last 18 months, most of us have been struggling. Regions Bank should not be continuing to do this, and should have offered to refund more than {$140.00} after I've paid them almost {$4000.00} in NSF fees in the last 18 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX My Previous Job was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX This was changed without my permission.

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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my Barclay account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear one contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.

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 2022-04-15 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
navy federal credit union keeps reporting the balance on my loans with them as increase in balance or dollar amount through the credit bureaus. the balances should be decreasing but they are not. i dont like this. ive made all my payments on time with them over the phone etc. i think they are scamming me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed 4 times and sent documentation for each dispute. XXXX, equifax and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX paidXXXX XXXX XXXXXXXX also sold to XXXX  paidXXXX XXXX XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC.
State: TN

Complaint narrative:
I was approved for two loans for my properties on XX/XX/XXXX. Summit funding is now refusing to close on the loans and from what was said it sounds like they dont want to honor the rate anymore. 

In addition, their electronic signature system does not provide me a copy of my signed documents and while they have promised to provide me copies I still dont have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX made a check deposit to me and my husband 's checking account. The check was for XXXX XXXX dollars made out to my uncle from a settlement with XXXX and XXXX. My uncle XXXX XXXX is currently incarcerated serving time in XXXX XXXX correctional facility at the moment. I have power of attorney over my uncle and was instructed to deposit the check into our account and use the money freely as he has no use for anything. i signed and deposited the check the ATM accepted it and Capital one cleared the check with different disbursement dates. Later that evening my husbands and my checking account was restricted and frozen. when I spoke with capital one several times, they instructed they would not XXXX restrict our account until they spoke with my XXXX XXXX XXXX which isn't possible. I need this resolved as the money is just sitting in the account and my husband and I have no access to our personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I moved to XXXX NC in XX/XX/XXXX and had several Chase credit cards that I was using for moving and living expenses. All XXXX accounts were current and had always been paid on time when Chase unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent Chase a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided XXXX offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. Chase accepted the payment and never reinstated the accounts. Shortly thereafter, Chase began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to Chase in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with Chase many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent Chase a letter again disputing the status of the accounts and demanding validation. Chase failed to provide adequate validation and simply replied to my demand with old credit card statements. Chase also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent Chase another letter demanding the XXXX accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from Chase simply providing old credit card statements once again. These XXXX credit card accounts are negatively impacting my credit score and Chase has deliberately and continually ignored my demands to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I contact XXXX XXXX for this charge. They change my account number and charge for XXXX XXXX that are paying on a new account they open. 
I have a ticket number open with t mobile where are doing a investigation for this issue. 
The reference is : XXXX. 
Please contact XXXX XXXX and remove me from collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # 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 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Around XX/XX/XXXX, I was looking to buy a XXXX account to play XXXX XXXX, and I found a person online who was selling their account. I messaged them on discord and we started talking about how the transaction would go, like the cost of the account, the payment method, and what I would be buying. About a week after we first met, we actually went through with it, and I paid {$400.00} through a supposed middleman, which I later realized was an impersonator. The seller pretended to have issues with the account and basically said that we'd have to wait an extra day or two to finish the transaction. I didn't think much of it and agreed. A few hours later, they said that they had gotten more stuff on the account and wanted to add more money to the transaction, and after a few hours of wheedling, I agreed because I thought I had already paid for the middleman so I wanted to just get it over with. At this point they essentially just ghosted me, and stopped responding. It was around here I realized that the middleman they had found was most likely just them on an alternate account. I tried to get a refund through paypal since that was the payment method, but PayPal doesn't have any protection against scams if you use the friends and family option, which is what I had used to pay. I then filed a complaint for the first half of the transaction, which was approved, but I forgot to open a complaint for the second one and am currently waiting for a response for it. The only proof I have are the transactions I made on paypal, and the discord chat logs, which I have attached as my proof.

Company response to consumer: Closed with explanation