vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: TN

Complaint narrative:
On XX/XX/XXXX, I spoke with a Capital One agent ( did not get his ID # ), he was unable to resolve my issue concerning being unfairly accessed interest on a {$0.00} balance. I asked to be transferred to his supervisor or his manager. He transferred me to an account manager. She stated that her name was XXXX and ID # XXXX. 

I asked about the restriction that hasn't been removed from my account. XXXX stated that I would need to make THREE ( 3 ) on-time payments for three consecutive billing cycles before the restriction is removed. When I spoke with an account manager last month I was told that after my payment cleared, wait TEN ( 10 ) business days and the restriction would be removed. I am being accessed interest unfairly and if I refuse to pay it, I will be accessed more interest and late fees which will continue to restrict my account. I reached out to Capital One in XXXX of XXXX about the financial hardships that I was experiencing due to the pandemic and employment. I was denied any kind of reprieve. They stated in XXXX that they stopped accessing late fees on my account in XXXX. I was able to secure resources to pay my balance off in full. Previously, sometime last year, I was told by a Capital One account manager that if I paid the CURRENT BALANCE and NOT the statement balance that would avoid any interest fees being accessed to my account after I made a payment that would pay the account off in full. I paid the CURRENT BALANCE in full on XX/XX/XXXX which left a {$0.00} balance on my account. My account received an interest charge two weeks later on XX/XX/XXXX. They were unable to explain to me how an account with a {$0.00} balance could receive a interest charge. At that point I just requested that the charge be removed. They refused and when I asked to speak with her manager or supervisor, she stated that her managers and supervisors do take calls. I asked for an email address and she stated that she would not give me that information and that she was the last line of contact. When I requested that the account manager, XXXX, give me her name and spell it for me she seemed hesitant. I also requested the name of of her manager or supervisor along with their ID # and she said her name was XXXX and " they '' would know who she was when I relayed that information. I stated that I needed this information for the formal complaint that I would be submitting to the CFPB. She stated the she could/would be submitting a complaint as well. I asked her what complaint would she be submitting in regards to a customer refusing to pay a bogus interest charge accessed to their account. 
This is unfair and predatory business practices on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was scammed into sending a deposit for a dachshund puppy by Paypal friends & family. The scammer did not show up at the meeting location and time and stopped responding to attempts to contact them after receipt of the deposit. I tried to file a dispute with PayPal & later found out from Paypal that I had no buyer protection for this transaction. I sent {$100.00} on XX/XX/2022 and another {$100.00} supposed to cover vet visit and microchipping on XX/XX/2022. we were supposed to meet Saturday XX/XX/2022 at XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XXXX My husband and I drove XXXX XXXX mon each way. email address for payment was XXXX and XXXX XXXX was the person posting on XXXX XXXX that she had said puppies for adoption.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
I was notified that I had collections from XXXX under Amsher Collections agency. I called them, and they informed me that someone had a collection of {$2500.00}. I have never used XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX I spoke to a senior account manager at Capital One who said I could only get offered two options. The account manager understood very well that {$40.00} was my budget every month for this account. She then proceeded to tell me about two options, one was to pay {$63.00} for three months which would go towards the minimum payment due which is an inflated amount of {$190.00}. The other was to have a lower apr of 7 %, pay {$17.00} a month, have no access to the card and when the balance is paid off the account would close. I have asked repeatedly to have the late fees that I was charged for XXXX and XXXX waived so that I can manage my card again. As you can imagine my balance has been artificially inflated due to their late fees which they kept repeatedly accruing despite the fact that I am making payments on a timely basis. I have said in my previous case number XXXX that they were enriching themselves and not willing to work with me. CFB made it a point to close the case as soon as the company responded. This despite their unwillingness to work with me by giving me a hardship plan and the other retaliatory. I have been a customer with Capital One since 1999 and they could care less about losing me as a customer. They see my complaint as justification to close my account. This shows their business practices which are unfair and retaliatory. I am trying to work with them and they are refusing to work with me. I don't care what their terms and conditions are. They are exorbitant unfair and need to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis Consumer Center in accordance with the fair credit reporting act Lexis Nexis Consumer Center has violated my right. 

I'm not sure what legal authority LexisNexis Consumer Center have disclose this, when i contacted the court, i was notified that they do not check, verify, furnish allow, or share any public information with you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

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 2022-05-04 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX We made a purchase for {$1300.00} at Lowes store number XXXX in XXXX XXXX Virginia using our Lowes Credit card. As the sale was being finalized and the Lowes credit card had been swiped the store 's computer went down which prevented the store form printing a receipt. When the system came back up there was no record of the sale in the stores computer so no receipt was able to be printed. A manager called card services and he was assured that the charge would not post and if it did it would be removed. Based on that call the store re-rang the purchase and we processed the Lowes card for the identical amount of {$1300.00}. On XX/XX/XXXX the both charges appeared on our statement despite the assurances that only one charge was going to be processed. 

We called the credit card company and disputed the charge on XX/XX/XXXX. On XX/XX/XXXX we received an automatic stating that our dispute had been resolved on XX/XX/XXXX without any detail. We opened the email on XX/XX/XXXX and immediately checked the account only to see the charge was still showing. After ~2 hours on the phone and being transferred around to multiple people how could not/ would not help I was placed in contact with XXXX XXXX She realized that the original dispute had been entered incorrectly and therefore closed incorrectly. She re-opened the case with clear notes as to the facts and assured us that no interest would accrue on the charge while it is in dispute. 

On XX/XX/XXXX, we called Synchrony Bank for a status update. After only being told that the charge is being disputed I asked to speak to a manager. the Manger said that Synchrony Bank does not credit accounts and that they have to wait for Lowe 's to process a credit. I had to push to understand if they even had reached out to Lowe 's to get this resolved. to which he said that they had reached on on XX/XX/XXXX. two weeks after I called. The bank could not say what they were actively doing to resolve this. The statements say to dispute charges we have but then they do nothing to actually get resolution. 

Simultaneous with the above efforts I have reached out to the Lowes store we made the purchase at to see if they will help. Unfortunately the Managers on duty do not call back and when we have spoken to the customer service desk they point us to the credit card company. 



Desired Resolution : the Duplicate charge removed from my account with no accrued interest owed.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They will not update my address to my current address and remove the incorrect addresses from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I Received two {$50.00} gift cards XX/XX/XXXX activated-Vanillagift.com XXXX Serviced by Incomm Financial services , Inc I Tried using both on XX/XX/XXXX at local retail shops for amounts well below the {$50.00} threshold for each. Each time they were declined, Called their customer service number on the same day XX/XX/XXXX. Gave the rep the card info on one of the cards. He said " some retailers don't except visa gift cards '' and to " try other locations for purchases '' ( this alone is mis-leading advertising because their own website does not state this, quite the opposite ) Revisted issue with cards 3 days later on XX/XX/XXXX - Tried to purchase an item online - well below the {$50.00} threshold. Cards were declined, went to vanillagift.com, figured maybe I need to register cards for them to work, Balance showed XXXX XXXX  available on one, and {$50.00} on the other ( the only person beside myself that knew the card info was the customer service rep I spoke to on the phone at Vanilla ). Charges consisted of multiple {$10.00} charges to XXXX XXXX store on XX/XX/XXXX - this was not done by me. 

On the same day XX/XX/XXXX called customer service number XXXX at Vanilla - transferred to stolen card info dept, Spoke with a rep from XXXX. XXXX that asked for all of my personal info if they were to investigate issue, Info she asked for was my - DOB/Soc Sec # / Address, I declined to give info and she informed me that nothing else could be done to help me if I didn't give them that info. I asked her why the other card wouldn't work and she explained that " only '' certain places except them and to keep trying, she then ask me for the card number info, which I declined to give her. 

As of XX/XX/XXXX I have one {$50.00} gift card that was maxxed out and the other which is unusable at multiple online/ and local retail outlets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: DISCOVER BANK
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-05-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They will not update my address to my current address and remove the incorrect addresses from my reports.

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 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
On XX/XX/2022 I noticed on my credit report a collection account for the amount of {$390.00}. So I contacted the original creditor which was FOUR XXXX XXXX  P. as written in my credit report. I asked them why they sent it to collection without contacting me, she took all my info down and stated we haven't sent anything in your name to collection your insurance took care of the balance so I called DEBT RECOVERY SOLUTIONS and explained the situation and she just kept arguing with me I told her to call them and ask and she said no I don't want too. I my understanding false claims on credit report are illegal .I don't really know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the rights 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 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 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: FL

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

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 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed these fraudulent inquiries with Equifax multiple times. I've completed the FTC identity theft report and have faxed it to the bureau. I have notarized the documents and faxed it to them and yet no resolve. i am looking for Equifax to remove these inquiries immediately. I have attached the report and my fax confirmation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: IL

Complaint narrative:
I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : 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 non-monetary relief
Consumer complaint received 2022-05-04 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: IL

Complaint narrative:
I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : 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 2022-05-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I submitted a complaint to Vanilla Gift Cards for a {$220.00} gift card that was used by someone else. I submitted a complaint to the company Case ID / XXXX and after many months of being given the run around, I was told that the charges were more than 6 months old so they would not refund the amount.

Company response to consumer: Closed with explanation