vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good Morning, On XX/XX/23 I contacted Capital One to inquire about interest charges on my most recent statement. I had paid off my balance in full that month and did not understand why I was being charged another {$64.00} in interest. I was told this was due to " carry over '' interest. Like many Americans, I was not aware of this stipulation. The only reason my balance was high was due to tuition payments for which I was waiting on reimbursements for. I called as soon as I saw the statement. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reminded them that I am well aware of the new CFPB regulation about junk fees and amounts that went into effect on the XX/XX/XXXX deadline. 

In the last several months I was just hours late making a payment on the mobile app, and I was charged a {$40.00} fee within hours of the payment deadline. This happened twice, XX/XX/23 and XX/XX/23 - my payments are due on the XXXX of each month. These fees were assessed on the due dates of each payment within hours of their before midnight deadline. I explained given that I paid those late fees so recently I should not be charged this carry over interest. So far this year I have paid over {$1000.00} in interest on this account. Considering the maximum is now {$8.00} down from {$41.00} for a late fee. 

A supervisor heard the details of the case and in less than XXXX minutes refused to waive the {$64.00} interest on my {$0.00} XXXX credit card statement. 

If I choose to close the account, I risk losing the longest account history on my credit report which would seriously adversely affect my credit. 

Refusing to waive the interest in this situation is abusive on Captial One 's part. They were well aware that these new regulatory rules would be put in place and continued to charge fees abusively up until the date. I informed them I would submitting a complaint considering they would not be willing to waive a mere {$64.00} in interest. 

Please take strong action against Capital One for their abusive practices. Their mobile app still says the late payment fee is up to {$40.00} at the time of this complaint XXXX EDT XX/XX/23. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding accounts that do not belong to me and they are still reporting on my credit report. I also submitted multiple ftc reports regarding the accounts that do not belongs to me. These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have both credit and XXXX through synchrony/Paypal. I am not able to make payments anyway but call hold for 30 min and give info to rep for fee. I have 3 checking accounts. 2 from same bank business/personal and one checking/savings at another bank. I have tried to link all three accounts at different times and none of them work. I use all three of these accounts on paypal to buy anything from anyone but can't pay them. I have called for months and sychony tells me I have to talk to PayPal and Paypal says talk to Synchrony. I have tried with both. They will link my account and then say the payment bounced on both accounts. I call the bank and they do not show it ever hitting account. I have been charged late fees and I'm now 30 days past due. I called Synchrony directly and they transfer me back to synchrony/paypal and the run around starts again. I do not want this on my credit and I should not have to pay late fees when it's their system and they don't even care. I am questioning if there is a scam going on. I have never had a problem in 30yrs just paying a credit card. Plus the money was in my account when they claim this check bounced. It's not the first time either. I have names and ID 's for some people that I have spoken to at Sychony.

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 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ordered a custom cake from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I paid a deposit for {$100.00}. I ordered a vanilla cake with guava filling and rum soak. When I arrived to pick up the cake on XX/XX/XXXX, I waited XXXX minutes for the cake to be completed. I gave her a pick up time and reminded her via text a few days before pick up. I paid the remainder of the balance {$72.00} using my Capital One Visa. The owner made us late to my sons graduation. A few hours later after the graduation, we arrived at our venue to celebrate. When I cut into the cake, it fell apart into crumbs. The owner added chocolate without my consent and the rum soak I ordered was not present. I served crumbs on guests plates and no one ate the dry mess. The next day, XX/XX/XXXX, I contacted the owner explaining the situation and I sent her pictures as well. She refused to give me a refund or even partial refund and offered to make another cake. This was unacceptable as I needed a cake the day before for my sons graduation celebration. I had no need for another cake. After her refusal to apply a refund, I contacted my credit card company capital one and filed a dispute. Capital One contacted the merchant and she submitted a response with the receipts. Capital One forwarded me this information in a letter on XX/XX/XXXX and stated they would reapply the charges to my account. I reopened the case and submitted all supporting documentation on XX/XX/XXXX & XX/XX/XXXX including pictures, a letter, invoices and text message communications between myself and the merchant. Capital Ones response was that I lacked previously requested information. I provided everything that was requested. My claim continued to be denied despite all evidence clearly showing I ordered and paid for a particular cake and the merchant gave me the wrong order and different from what we had agreed on per invoice. The cake was also not eatable and the merchant refused to accept responsibility. I contacted Capital One once again on XX/XX/XXXX and requested to speak to a supervisor. I spoke to the supervisor XXXX from the dispute department and asked if she can take all facts and evidence into account. She transferred me to visa claim benefits as there was nothing else they can do. Visa claims stated because its an edible and perishable product, I was not covered. I use my credit card expecting to be protected against wrongful purchases. I was turned away and responsible for the payment of {$180.00} for an order different from what I made and was unable to eat. Capital One did not fairly consider all facts in my case. The final letter I received from capital One was on XX/XX/XXXX stating the case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I disputed a collection account reported by Allied Account Services Inc. ( Account # XXXX ) to XXXX. 
I 1st filled out the dispute form and was assigned File ID # XXXX by XXXX. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

Allied Account Services responded in a letter dated XX/XX/2023, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied.

Allied Account Services ' collection account, based on XXXX XXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that Allied Account Services have this collection account removed from XXXX and any credit reporting agency immediately. 
Then I yet again received a letter from Allied Account Services, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX was wrong in billing me in the 1st place. 
Allied Account Services did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
XX/XX/XXXX I financed a car through Exeter finance company XXXX XXXX XXXX XXXX miles Percentage rate 23.11 % Finance charge amount XXXX Amount financed XXXX Amount of at end of term XXXX The itemized account statement shows 4 months of XXXX going toward the principal Each amount going to principal is different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At some point they said I pd XXXX NEVER did they alert me via Mail or phone they have charged me 5 months with late fees of XXXX I called to get an explanation of this and they talked in circles I asked for management to call me and yet no call ever received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
STUDENT LOANS ARE NO LONGER WITH NAVIENT PER NAVIENT ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE NAVIET OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT NAVIENT DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH AID ADVANTAGE THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I received a prepaid online giftcard from Myprepaidcenter and the card expired in XX/XX/2023. I called to ask the company for a new card and my request was denied. I am now unable to use my funds and the company has pocketed my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a fraudulent account which is showing on my credit report. I have never applied for Capital One and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with Capital One but no result. Because of that I'm submitting a complaint to you to help me for removing CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4500.00}, CAPITALONE XXXX Date opened XX/XX/XXXX Balance {$1200.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those three accounts are fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EIC Enterprises
State: FL

Complaint narrative:
I can't even get the First Loan website to load but they sent me a copy of a contract from 3 plus years ago that looks like it has my initials on it, but it's a tribal loan at 757 % interest. They're requiring payment by this Friday in order to settle for XXXX something dollars. It doesn't make sense. I think they are scamming me, but I don't know for sure. Also, 757 % interest is illegal in Florida so I don't understand how they could even attempt to collect. Provided alleged contract is attached. But the company seems defunct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have been trying to rectify a collection account on my credit report for over a year and I am at my wits end. I originally had a XXXX XXXX account with XXXX and was having no issues until the XXXX XXXX. I am now XXXX and was given a payment plan to have my payments reduced in 2020 due to a financial hardship. I made all of my agreed upon payments. At the time my balance was approximately {$3000.00}. After about 90 days, I was told my payment plan was no longer valid and my balance ballooned to over {$10000.00} due to interest accrual. I was informed that I was given erroneous information about how long my new plan would last and was sorry for the misinformation. Soon after, my account was sold unbeknownst to me to another company for collection. I did not authorize my personal information to be given to anyone. There are now 3 companys sending threatening letters and have my PERSONAL information in their possession. The companies are Resurgent, LVNV LLC and now XXXX XXXX XXXX XXXX is sending threatening letters. I understand XXXX charged off this debt and sold this account to these additional predators. This is wrong and I have sent numerous letters to XXXX, XXXX and XXXX to no avail disputing this account from LVNV and the amount owed as I do not know who they are or how they got my personal information. I definitely did not sign any contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
identify you and your account. 
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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  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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX XXXX  I received a letter from my bank saying that my account was low. After checking my account I find that I had many unauthorized withdrawals from my account. I called my bank, and asked me to put all the different purchases and withdrawals in the same role, so that they will give each one a different claim number. This took a little time for my investigation team to do with so many vendors .a few days had passed, but we got to the bottom of what happened someone had attach my bank card to a XXXX XXXX and on paper it appeared that I was making all these withdrawals and purchases with my bank card but my was safely in my desk, but someone had copied my numbers from my card and was making all these unauthorize purchases. the bank did resolved most of the claims but the last claim for some reason they miss it and every time I put the claim in they keep telling me it was to late, but I put them all in the same time.

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