vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
MY Capital One credit card was closed out and paid in full. 
then shortly after the company added a credit balance refund two amounts of {$2400.00} and {$670.00}. for a total of {$3100.00}. so i called the company and asked what this was for and they responded it was for over payments. as i have documentation stating this of all my transactions. Now the company is sending me a bill of the amount of {$3100.00} with interest, i have called and explained to several reps. that this has been a mistake and they could not legally charge me for interest on money that i don't even owe them or the amount they are asking for, witch was an over payment refund in the first place. i have also talked with their managers and fraud department few times and they all said this would be resolved and sorry for the mistake. but yet i keep getting bills for the amount with interest owed, on something that i don't even owe. i have even sent them two letters with the bills returned. please help me with this thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I started my account with Wells Fargo around XXXX XXXX and I noticed that sometimes I would have money come out of my account paying mortgages bills etc. and I will usually just expect it to be fraud and I would go and get my card exchange for a Nother but over time it became a real headache and the same things would continue to happen and I also ended up getting overdraft fees on my account at random and it would start to pay it on its own all to the point where I lost my account in XXXX or XXXX of this year due to overdraft fees

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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I stated banking with Wells Fargo early XXXX and this year XXXX was closed by them due to over draft payment. Also they wanted to charge me each month a fee of {$10.00} for banking with them when I signed up I had a promotion if I swipe my card 10 times my account was going to be free. Now I am unable to look at my statement for any documents through them. My Account has been closed. This past two years Ive been having a lot of issues with them. Ive been charge fee multiple times.

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 2022-12-25 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Chexsystem. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.

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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/22, I sent out a letters XXXX, to XXXX, TransUnion, XXXX. Here is my tracking number ; during this investigation they said everything was 100 % accurate and Transunion said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

I would like to how does TransUnion hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted

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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called multiple times to fraud department capital one to no avail. I used a private number and theys said I never called. Which I did and they didn't want to help. Just close my account and keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Date : XX/XX/22, I sent out a letters XXXX, to XXXX, XXXX, Equifax. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/22, I sent out a letters XXXX, to Experian, XXXX, XXXX. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know more about who did they speak with?

How did they complete this investigation? This doesnt correspond to the definition.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted

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 2022-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank, now known as Bread owns the XXXX XXXX credit card. Multiple times their website is down when trying to make a payment. They say to call them, just to wait HOURS on hold with no one ever helping. When the payment finally goes through ( late because of their issues ), they charge late fees. They are purposely ripping customers off to make a profit on late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 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: NJ

Complaint narrative:
I have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Attempted to make my payment online ( like I always do ), but the system kept showing that my username and password were incorrect. I attempted four times and I was unsuccessful. As such, I called customer service and they placed me on hold for over XXXX minutes. I called again and waited until I had to hang up. I couldn't send an online message because I couldn't log in. Bear in mind that I didn't have to type my username and password, they are autofilled on my computer. So there was no chance of me entering the incorrect credentials. Additionally, I was able to login with the same information this morning, and I noticed that my minimum payment went from {$36.00} to {$100.00}. I was also charged {$30.00} late fee, and I'm sure that they have also hiked the interest rate because I was unable to login. I have never been late with a single payment. 

Prior to all of this, I was unwell and was on XXXX income through my employer. My husband has also lost him income because of a medical condition. We have to pay bills out of our savings. As such, I requested a hardship payment plan and it was denied. 

My card was previously serviced by a different bank, and I never had a problem until Barclays took over. First, they received my payment, and sent me late payment notice last month. Then my interest rate was set at the maximum rate even though I have good credit, and I have never made a late payment. 

This is absolutely ridiculous! Instead of helping someone who has always been a good customer you're trying to create more 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 2022-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank XXXX Bread XXXX I have multiple store cards through this bank and I am unable to access any of them through the online portal. I cant see my statements ( I receive electronic statements only and I cant get in to change it back to paper ), I cant check for fraudulent charges, I cant pay my bills, I cant update my address, etc. I have at least 6 accounts managed by Comenity and I cant access any of them. This has been an ongoing sporadic issue since the migration from Comenity to Bread in XXXX of 2022. This is incredibly frustrating. Additionally, this bank has closed 3 store cards this year, for inactivity, with NO warning to me first ; this negatively impacted my credit. I need answers as to when I will be able to access my accounts again through the online portals. I even tried using the XXXX feature, which doesnt require you to login, and I still got an error. They make it impossible to pay them so they can charge late fees and more interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
The debt collector is a third party. The creditor was sold. LVNV funding keeps harassing me and my employer, AFTER I informed my initial creditor years ago that my identity was stolen before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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