vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I purchased a toilet from the XXXX XXXX website XXXX. The cost of the toilet plus the delivery charge was {$130.00} and the charge was billed to my Capitalone Credit card with numbers ending in XXXX. 

The toilet I received from XXXX was different from the one I ordered and did not match the description, measurements, or photos. The toilet I ordered was supposed to be XXXX inches from the floor to the top of the bowl NOT INCLUDING THE SEAT. But in the photo I took, you will see that the toilet I received is 17.5 inches high and this is WITHOUT measuring the seat. Also, the toilet I ordered was supposed to be 33.5 inches from the floor to the top of the toilet tank. But you will see in the photo I took, the toilet I received is 32.5 inches from the floor to the top of the toilet tank. I did not catch the error until my plumber installed the toilet and I contacted XXXX XXXX to ask them for help in resolving their error of sending the wrong toilet. I asked for a refund or store credit but the company 's customer service agents disconnected me multiple times during the chat process and didn't return my email messages. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for the {$130.00} charge since I did not receive the item I ordered and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 explanation
Consumer complaint received 2022-07-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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 2022-07-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: PA

Complaint narrative:
I paid {$1200.00} on XX/XX/XXXX as a full payment on my capitol one card. On XX/XX/XXXX, someone made an XXXX  payment from a debit card I gave my XXXX to pay her XXXX XXXX XXXX XXXX. That card never has had more than {$58.00} on it and you can see she buys books at XXXX with the money. This XXXX transfer into my account was for {$410.00} which was IMPOSSIBLE since neither one of us has the other 's bank card. I just have her last XXXX digits. Since then, I have charged {$100.00} on that card but they have returned the {$41000.00} as a debit on my card for a purchase I never made. When I call no one can explain what happened. When I look up problems with Capital one, apparently their website was miscalculating cards. Every payment I have made on my credit cards have ALWAYS been made from my bank account ending in XXXX, NOT from a child 's card ending in XXXX. No one at the company can explain nor will they take back the charge I never made. Please help This is a copy of the blog I sent you yesterday and don't see it listed. This is the email I got. 

Capital One logo Your payment wasn't completed. 


Re : Your account ending in XXXX XXXX, We were unable to complete your recent transaction because there wasn't enough money available in your account to cover the payment. 

Amount : {$410.00} From : XXXX, XXXX XXXX XXXX : XX/XX/2022 To view your balance or transfer money, sign in to your account. 

Thanks for being a Capital One customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 non-monetary relief
Consumer complaint received 2022-07-09 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: NY

Complaint narrative:
In accordance with fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out 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 2022-07-09 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 fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
I received several letters from TRS Recovery Services on XX/XX/2022. These letters accuse me of owing a debt to XXXX XXXX for a total of {$68.00}. I have never made any purchase from XXXX XXXX. 
TRS Recovery Services state they have entered this debt into the nationwide database. This is not my debt and I can not have this false information used against me and my good credit! 
I called the number on the letter which led me to their website. I went to the website and was redirected to the letter. XXXX XXXX. I submitted a dispute to this Debt by mail but the company has more than XXXX XXXX XXXX XXXX I am concerned that TRS will claim they have not received my dispute and will proceed with the assumption that this debt is valid. I don't know what happened here but this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Thank XXXX Capital One for stating in the response you sent through the CFPB on XX/XX/2022 that you cease and desist communication with me the consumer thank you again for providing me with evidence Capital One you still in violation of federal law pursuant to15 USC 1692a ( 2 ) Congress stated using any medium the XXXX major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the XXXX major credit bureaus remove this account from all three major credit bureaus immediately if not I will send my evidence and a XXXX of Truth to you and to the local Authority General and to the Consumer Financial Protection Bureau and to the FTC will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. 

15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent money to myself in XXXX and Western Union is refusing to provide any documentation on when my money will ever be available and will not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I purchased a service from the company XXXX XXXX XXXX XXXX XXXX. The service I puchased was the installing of two new ceiling fans and electrical wiring through the attic needed for the fans to operate correctly. The total cost of the service was {$500.00} plus tax and a total charge of {$510.00} was billed to my Capitalone Credit card with numbers ending in XXXX. 

XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX came out to my condo and installed the two fans. Both fans were brand new in the box and both were tested to make sure they worked perfectly before they were installed. However, I discovered on the same day that he completed the job after he left my condo that only one of the fans was working properly. I contacted him numerous times through the XXXX messaging service which was the platform I used to hire him from asking him to either refund me for the fan which wasn't working or come back to fix the issue. XXXX XXXX refused to give a refund and also refused to come back. I attempted to resolve the issue through the XXXX dispute resolution process and XXXX was unable to resolve the issue and persuade XXXX XXXX XXXX  XXXX Services to either return to my unit to fix the wiring or give me a refund. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for one half ( {$250.00} ) of the {$510.00} charge since XXXX XXXX XXXX  XXXX XXXX only installed one of the two fans correctly and they were paid to install two fans. I will now need to hire an electrician and spend more money to correct the mistakes made by XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Starting in XXXX of XXXX, XXXX has been posting two finance charges every month ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ) on my account. Upon talking to XXXX people to determine why this occurred, I was told it was 1 ) due to not paying off a promotion within the month and 2 ) new charges. This makes no sense and how are they allowed to do this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 non-monetary relief
Consumer complaint received 2022-07-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-07-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Velocity Portfolio Group
State: MS

Complaint narrative:
Never received any information in regards to this debt. Tried contacting and reaching them but never could get any type of response. Account still showing open which is unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
During the Covid Pandemic period, I was offered a Covid Forbearance plan by LoanDepot. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the 3 credit bureaus. The put me on a trial period plan where I make 4 straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the 3 credit bureaus that I had 120 days late and it dropped my credit scores XXXX points!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
On XX/XX/XXXX, First Investors Servicing added {$220.00} to my balance under XXXX ( non-sufficient funds fee ). The reason for this amount was due to a XXXX DMV registration fee that was included when I refinanced this car. The fee was not due to XXXX. 

I continued making my monthly payment of {$280.00} and would pay extra every month to pay off the {$220.00} balance. 

On XX/XX/XXXX, the balance of {$220.00} was completely paid off. 

I continued making my monthly payment of {$280.00} and I continued to may extra payments every month ( now ) towards the principal balance. I called customer service several times to inform them that I would continue making additional payments ( in addition to my regularly monthly payment of {$280.00} ) and I wanted those additional payments to be paid towards the principal balance. 

First Investors Servicing has not applied those additional payments towards principal rather simply applied it towards my monthly auto payment. As a result, I'm XXXX months " ahead '' of my regularly monthly payment. 

Example : Statement for XX/XX/XXXX l payment due date is : XX/XX/XXXX I simply requesting for First Investors to apply any additional payment ( after monthly regular monthly payment ) towards my principal. The company has told me that their system doesn't apply additional payments towards the principal balance.

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