vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: GA

Complaint narrative:
I have an auto-pay with XXXX XXXX for my monthly service. Due to a cyber attack I did not receive my XXXX bill. The last bill I received from XXXX XXXX was on XX/XX/XXXX ( auto-paid on XX/XX/XXXX ). On XX/XX/XXXX, I was charged by XXXX an amount that is {$10.00} more than my normal amount. My attempts to contact XXXX have been unsuccessful. Their site is down so I can't access my account ( attached is a screen shot of their current site ). I've tried to call several times and their call center is overwhelmed so my call is either disconnected noting they are experiencing abnormal amounts of calls and to call back or put on hold with a hold time of 50-59 minutes. I waited on one of these calls for 55 minutes to finally talk to a person who put me back on hold. After about 20 more minutes, the call got looped back to the normal customer service. I have even tried to send a private message on XXXX which fails. 


In good faith ( since I know my normal amount due ), I only disputed this additional charge with my Credit card company ( Capital One ). 

- After the first call on XX/XX/XXXX, I received an update letter with the incorrect dispute amount and asking for the information I gave over the phone. I promptly sent that back. 

- On XX/XX/XXXX, I received an update stating I didn't provide the necessary information. I called again on XX/XX/XXXX & was told they'd update my dispute amount and start the investigation again. 

-On XX/XX/XXXX, I received XXXX Dispute update letters. Two were the same as I received on 3/13 in different amounts ( one with for {$1.00} and the other for the correct {$10.00}. The third was to disregard the letter I received on XX/XX/XXXX. I filled out the one with the correct amount of {$10.00} and sent it back. I noted I don't have access to my account and can not contact the vendor. I put the website ( mydish.com ) and phone number ( XXXX ). 

-On XX/XX/XXXX, I received a resolution letter for the amount of {$1.00}. I called Capital one on XX/XX/XXXX and was put on hold for 45 minutes only to be told there was nothing they would do about this dispute because I failed to provide my bill showing I was overcharged. I tried to explain again that I didn't receive a bill and they refused to do anything. 
Credit card companies are supposed to protect consumers from issues like this & they did nothing to assist me. Im not sure what else to do except file a complaint since I cant get anyone to help me with this issue. 

Attached is the last Dispute letter I sent back to them and the screen shot of what I get when I tried to access my Dish account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OUT TECH, INC.
State: PA

Complaint narrative:
Hi, today XX/XX/23 I got a collections notice from this company. They were notified by written letter & few months ago to never contact me again. The debt collector didnt seem to understand that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with Exeter finance LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH

Complaint narrative:
I believe in XXXX  I opened a loan with Seedfi that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX Seedfi transferred these loans to a provider called XXXX. XXXX never had information about the savings account as it still shows locked with Seedfi. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today 10 days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes 22 days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. The below accounts should not be on my consumer report.Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not ensure this information was accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to confirm that the transaction took place. As a result of this my privacy was breached and my right to privacy was violated. Pursuant 15 usc 1681a ( d ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate categorized as a transaction that was issued from a credit card. 

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 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CT

Complaint narrative:
In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from credit karma that between XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from XXXX XXXX XXXX XXXX that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from XXXX XXXX XXXX about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.

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 2023-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
For background : I recently experienced fraud on this account ( my phone was stolen, which contained this card in XXXX XXXX ), and BofA followed typical procedure and cancelled the old card and sent me a new one. For the past several weeks, when I attempt to go online to schedule a payment, I get an error messaging stating that I need to call customer service. After waiting a very long time on hold on the first call, an agent scheduled my payment but said that they were not sure why this was happening to me. They committed to getting back to me within 2-3 days. Two weeks later, I had not received a response, so I attempted to use the online feature again, and it still was not working. When I called, the second agent that I spoke to ( despite calling the exact XXXX # that the website indicated I should call ) tried to convince me that bill pay was XXXX because I had missed a payment ( how is that an acceptable solution? ). I informed her that I had not missed a payment, to which she insisted that I was wrong without providing any details. I then read the past two statements to her ( statement date, previous balance, amount due, due date, evidence of payments, confirmation numbers, etc ) and explained to her that what she was saying wasn't possible because the statement date for the charge in question was AFTER the date that she said the payment was due - said another way, I did not owe any money on the date she mentioned, and the charge that she was claiming was overdue is not due until XXXX XXXX, for which I have a scheduled payment and was able to provide a confirmation number. She did admit that she was incorrect, which is just unbelievable for a bank this large and systemically important, but then still could not solve my bill pay issue. At this point, it feels like Bank of American is trying to make paying bills difficult so that they can generate late fees. I'm happy to be wrong, but the evidence is not convincing that there are other motivations.

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 2023-03-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roadrunner Account Services, LLC
State: KY

Complaint narrative:
RoadRunner Financial is the company ( Roadrunner account services LLC ). They send multiple text every month before the payment is do. I have not missed a payment. My recent payment was made already and I keep getting text the payment was missed although I have received confirmation of it and the money has been taken out of my account. The practices are very poor and have been a miserable since Ive had them with all the spamming of a payment that is going to be made. ITS NEVER BEEN MISSED THEY GET PAID EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act the creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B a creditor can 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 2023-03-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : THIRD Dispute of Outdated Address Information on My Credit Report Demand for Immediate Action To Whom It May Concern, I am writing to express my extreme dissatisfaction and deep concern regarding the outdated addresses on my Experian credit report. This is my third attempt to resolve this issue, and your continued failure to address this matter is both negligent and in violation of the Fair Credit Reporting Act ( FCRA ). 

My only current and accurate address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX All other addresses listed on my credit report are outdated and must be removed immediately. 

Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. If you can not verify the accuracy of the disputed information, you must delete the disputed items. Be advised that failure to comply with the FCRA may result in legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

As established in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies can be held liable for failing to conduct a reasonable investigation of disputes. Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit reporting agencies are required to use reasonable procedures to ensure the accuracy of the information on a consumer 's credit report. Should you fail to take the necessary action to rectify this matter, I will have no choice but to consider taking legal action to protect my rights. 

Your immediate attention to this matter is expected and appreciated. Failure to comply with my request may result in further legal consequences for your organization, including potential damages and attorney 's fees as allowed under FCRA provisions. Considering the legal precedents mentioned above, I trust that you will take this matter seriously and act promptly to resolve the issue.

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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: NY

Complaint narrative:
I do have a current contract with the company, FlexShopper, that requires weekly payments. They call on a daily basis, upwards of 10 times per day. They leave automated voicemails and text repeatedly. The debt is not in question, but this is bordering on harassment at this point. Last communication was today XX/XX/23 via text message.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: GA

Complaint narrative:
Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.

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 2023-03-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX my wife paid her massage therapist {$95.00} from her XXXX in the amount of {$95.00}. The card was ran through square pay. Well square pay double billed us and so two charges of {$95.00} dollars appeared causing our XXXX account to go - {$4.00}. So we waited for it to clear. Well on XX/XX/XXXX we checked our XXXX and had an available balance of {$90.00}. Well when we went to us it to pay our chiropractic bill in the amount of {$80.00} our XXXX card was declined. Called the XXXX rep, and they told us that they square pay still has a hold on the account and our funds wouldn't be useable until XX/XX/XXXX despite XXXX portal saying we have money. Square pay shouldn't be allowed to double bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Overdraft and bank fees from Wells Fargo Bank.

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