vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a homedepot credit card that I opened to replace window in my home had an introductory rate of 0 % for 24 months. When I opened this account I was under the understanding that when the promo rate expired then I would be charged 25.99 % in interest. I got my latest statement and was fuming to see that they are charging me XXXX in interest. I have a balance of XXXX on the card this interest is more than half the balance. I called and spoke to a representative and stated there is a mistake in interest fees. She told me they calculated the interest from the start of the promotion to when it expired and it was cumulative, I said this is more than half the balance of the card and was unaware they were going to do this. I states if I look at the interest this is not 25.99 % its more like 50 %. She said she would not help me. I looked at my statement and read how they calculate fees and it is not clear anywhere that they Accumulate interest on any promotional balances. First this company is not honest in there promotions and what they do with them, second I took a look at my credit limt on the account they lowered it from XXXX to XXXX no notification at all no letter, no email. Second this takes me over the credit limit all the time where I would get charged an over the credit amount fee. Why would anyone in there right mind agree to a promotional rate and then pay an exorbitant amount of interest when that runs out.I thought it just went to 25.99 % interest when it expired. I need help with this company I feel s ripping me off.

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 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an American Express card in XXXX of this year. My XXXX payment was due on XX/XX/XXXX and I scheduled and made the payment electronically as I do with every merchant I deal with at my bank ( XXXX ). The payment was made as schedule, but Amex claims that didn't receive it on the XXXX. Because of this, they charged me a late fee of {$29.00}, interest of {$240.00} and cancelled XXXX points that I had earned with their card. I called their customer service to straighten everything out, but was refused help. I was told my the service rep and her supervisor that their system would not allow a reversal of the interest and that there was no one who could help me. They suggested I write a letter to the corporate office and refused to provide me with a path to resolution saying there was no one else I could call and no one to email. When I mentioned that misapplying this interest was paramount to theft, they became agitated and told me to write it in a letter and mail it to their corporate office. I have offered to share with them proof that the payment left my bank on XX/XX/XXXX, but they said they don't want it and there is nothing more that can be done. I feel two key issues have occurred that must be addressed. 
* Amex stole {$240.00} from me and refuse to give it back * When offered proof that the payment went out, Amex stonewalled my efforts to tget this resolved and basically told me to " get lost ''. They refused to help any further and would not give me any additional info to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a notice from credit collection services regarding a debt of which I was unaware. Id like to submit payment now via the payment slip, but there isnt an address provided, a return envelope, or an option to pay online. Can you please advise? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I sold my home and I was charged {$30000.00} pre payment penalty. I've had the loan since 2018 and only had a 2 year prepayment penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: GA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : 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 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: ID

Complaint narrative:
XX/XX/2019 i closed my account with my bank. They actually reached out to me notifying me they were closing it. No rhyme or reason. Closed account snd then sent balance via check but did not receive. Tried resolving and repeated attempts to send and recover payment. Now the bank has been bought twice and i still have not been able to get my money. Ive tried working with the other banks but it has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I started seeing inaccuracies on my credit report with dates due to my bankruptcies that's not being reported correctly due to transunion depending on a third party for accurate reporting with is XXXX so I ask them to delete and they using the computer generated system to keep telling me it verified as accurate and i know its not true because i have the actual documents from my bankruptcy and two of the bankruptcy I never went to court for and its stopping me from buying a house and new car, because it's showing 3 instead of 1 that been discharged. XXXX took there inaccurate information off. 

Complaint is against Transunion XXXX XXXX XXXX XXXX pa XXXX Start of disputes started 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 2021-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, TransUnion, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.

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 2021-12-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've had two accounts with XXXX  card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, XXXX, and equifax credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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:
MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do syncb/paypal ( bank ) XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 i have a letter for my XXXX XXXX  bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois 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 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.

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 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: IA

Complaint narrative:
Dental work completed at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX in XX/XX/2019. Was unable to complete payment, leaving a balance owed of approx {$600.00}. In XXXX of 2019, the dental office submitted the debt to Professional Finance Co, XXXX XXXX XXXXXXXX, XXXX, Co XXXX, now in the amount {$800.00}. My finances improved, and I contacted the Dental office, and settled my debt in the amount of {$600.00} directly with them. The only contact from Professional Finance Co has been thru my credit reports, as I have disputed the amount now on three different disputes, and each one has been " confirmed '' by Professional Finance Co, and they are reporting a balance due of {$200.00}. I have asked them for original documentation for the original amount due ( {$800.00} ), and for the remaining amount due of {$200.00}. No reply to date. I feel i do not owe the addition amount due, and the report should be removed from my credit reports at all three reporting agencies. Advise XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19 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: CA

Complaint narrative:
I called capital one credit multiple times with regards to inaccuracies in their running balance on my card. I paid something like XXXX for about XXXX in purchases, one of my payments didnt even appear in their system but the balance changed. This has happened to me prior back in 2009, same issue same company. They have a bad system somewhere and are pretty much just stealing from people. Ive called 3 times since XXXX and the issue still persists.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, On or about the XXXX of XXXX, 2021, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXX, 2021, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my XXXX plans and caused me to loose my car. 
I would appreciate any advise and help on this matter.

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 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Today on XX/XX/XXXX I spoke with a Capital One Representative XXXX. She was kind and professional. I inquired with her as to why Capital One has not increased my limit once in over 3 1/2 years? Supposedly every 6 months they can do so. Also, I inquired as to if I request an increase would that be a soft or hard pull on my credit? XXXX assured me that it was in fact a soft pull, and could not explain why I was never offered an increase. Today I was denied an increase on my Capital One credit card. I believe I am for some reason being discriminated against, and do not understand why. My credit scores with all 3 major credit bureaus range from XXXX. I missed one payment with Capital One in XXXX of XXXX. I have not missed one payment with Capital One or 16 other creditors since then to present. Needless to say my payment history is exceptional. I reduced my debt drastically over the course of XXXX. My debt utilization is under 10 %. Furthermore, I sent Capital One a goodwill letter this past year asking that they please delete the missed payment as I have always been responsible in paying off my debt with them. Capital One declined, and I know they can delete it as I spoke to lawyer. Capital One who is parent to Kohl 's credit cards shut my Kohl 's card down with notice damaging my credit history this year, because that card was well established for years. Capital One is not increasing me credit that I know I deserve. My credit reports show that lenders see me as very responsible. Capital One is treating me unfairly, and I am asking for the CFPB 's help as to why? I will upload some screen shots that are of my credit reports with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I received a notice of debt letter from AssetCare dated XX/XX/2021, stating that I have an unpaid medical balance with XXXX XXXX XXXX. Upon receipt, I immediately forwarded a letter of validation to the company 's XXXX, TX addresses that are listed the letter and with the TX Secretary of State. AssetCare , LLC has not only failed to validate the debt that they claim is owed. I have not provided XXXX XXXX XXXX or any medical or clinic facility a signed HIPAA release for my medical information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19 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:
Experian previously removed a discover late payment from XXXX It was reinserted into my credit profile without my notification or any verification. I need that late payment removed immediately

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 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.

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 2021-12-19 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 i have a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX  XXXX Illinois XXXX

Company response to consumer: Closed with explanation