vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Called Capital One on or about XX/XX/2023 to advise that I may be late on my payment because I am getting a fix rate loan to pay off CapOne cc balance ( {$9800.00} ). The representative said thank you for calling and letting us know. Do you know when the payment may arrive? I stated the payment may arrive between now and XX/XX/2023. The payment ( {$9800.00} ) posted to my account on XX/XX/2023. On XX/XX/2023 I called Capital One to request the {$29.00} late fee be waived based on my length of time as a customer and payment history, which I have never been late. I spoke with three representatives ( two inbound call representatives and a Senior Account Supervisor, XXXX ). When I first called and spoke to rep, he stated he could not waive the fee because their system will not allow the waiver. I explained the reason for the late payment and my payment history. He said he could not waive it. I requested a supervisor. He transferred me to XXXX, an account supervisor. XXXX 's line had a lot of static and could not hear him. I disconnected then called back... spoke to representative, XXXX. I explained my reason for the call... she reiterated what the first representative stated. She then passed me on to XXXX, a Senior Account Representative. He stated he could not waive the {$29.00} fee because their system will not allow the waiver. He offered to set up my account on auto pay. I explained I don't want auto pay ... I would like the fee removed so I can pay off the balance ( {$210.00} including the {$29.00} ). XXXX said he could not remove the fee. I said ok and ended the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: MA

Complaint narrative:
I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME.

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I purchased a visa vanilla gift card at a XXXX for {$300.00}. The purchase cleared at my bank. Tried to use the card 5 times and each time it was declined. Got online to their website and tried to verify the card and amount only to receive and " error message and to try later ''. Called the phone number on the back of card twice. Put on hold for long period of time each call. First call said they would validate my card and could use it now. Tried to use it again and same - Declined. Second call said they could not validate card and I needed to email copy of receipt and drivers license and they would investigate problem. I did this. Didn't receive any conformation of email. After googling how I might be able to get my money back, I found this is a common practice for Visa Vanilla gift cards, as there are hundreds of complaints throughout the Internet about this very same practice. This should be investigated as this company is blankly stealing peoples money. Here are some examples of complaints I found : 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  This is the company appears to be controlled by Incomm located in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: MA

Complaint narrative:
I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Care credit card closed my account because of a payment reversal. I am a bartender and usually deal with cash and keep just enough in my account for bills. I made the payment on time however it didnt process until after the weekend. Unfortunately some auto payments for subscriptions also hit my account and they reversed the payment. As soon as I saw what happened, I quickly made another payment which processed no problem. They gave me a late fee and closed my account. This did happen once before in XXXX but again, I still made every payment. I would understand if I never paid on time, missed payments every month and was truly reckless but I havent. After this happened, I looked into it and found that many others have had their account closed without notice as well and it is unfortunate. When I called, they urged me to just reapply and get approved in minutes. Two different agents told me this. I do not wish to have negative remarks reported to the bureau as well as a closed account and another inquiry. Why on earth would they close your account and urge you to open a new one? I feel wronged because why would they want me still as a borrower if they felt I wasnt trustworthy enough to keep my original account. Something is wrong with this company. For a company called Care, they do not. I used this to cover my dental appointments as my insurance barely covers much. I have an appointment on Tuesday that I now dont know how I will afford.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have hard inquiries on my report that are unauthorized on my report and need to be deleted immediately. 

Delete the inquiries listed below : 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 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 2023-02-24 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 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 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 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 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 2023-02-24 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 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 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 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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/22 I received a bill of exchange from Capital one Bank indicating that I allegedly owe a bill in the amount of {$4600.00}. I returned to negotiable instruments back to Capital One Bank endorsed for them to submit it to the bank for payment. If the bank did not accept the negotiable instrument, they in return would send a notice of dishonor, saying why it was dishonored and give me the opportunity to cure. Capital One Bank never attempted to process the instrument, instead without any notice, Capital one proceeded to then closed the account. I have send them several negotiable instruments and requested them to be returned to me if they are not accepted, they never returned any of the instruments. I then send them a billing error dispute in regard to looking into the matter by requesting documents but they failed to send the required documents. 15 USC 1666 ( d ). They then informed me that they will report to the credit agency that the account is in dispute. That never happen, they have been reporting that the account is closed and that payments are late. According to 12 CFR 1026.13 ( d ) Capital One Bank is in violation. According to UCC 3-603, Capital One Bank is in violation and also 15 USC 1666d XXXX I tried reaching out to Capital One with a billing dispute error at which time they responded by taking adverse action and using deceptiveness to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We received approval by IHAF due to XXXX to reinstate our mortgage and pay 6 months of payments. On XXXX/XXXX/2022, the agency paid {$12000.00} to XXXX XXXX XXXXXXXX XXXX failed to notify IHAF at closing that our mortgage had been sold to Shellpoint Mortgage Servicing on XX/XX//2022. IHAF paid additional mortgage payments in XXXX, XXXXXXXX XXXX  XXXX of {$2000.00} each to XXXX. I have advised and documented the above with Shellpoints point of contact representatives. Instead of attempting to have XXXX transfer these funds to them, Shellpoint has continued to harass us and threaten foreclosure. Ive contacted IHAF repeatedly regarding this. Their attempts to resolve the issue have been fruitless. We are older adults and believe this company is preying on us in an attempt to receive duplicate mortgage payments. We have received threatening letters and phone calls. It is wearing us down. It is clear that Shellpoint and XXXX are mismanaging government funds that were meant to assist us. I would appreciate your help. Thanks

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 2023-02-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on XX/XX/XXXX i went to pay my amazon credit card held by synchrony bank and instead of sending XXXX i sent XXXX by mistake. i think my coumpter keys wre sticking. on XX/XX/XXXX by email i got a thanks for XXXX and realized my mistake. i called on XXXX XXXX and bank said it would take 3 weeks for refund. 3 weeks no check. call back and told check not sent but would be. on XX/XX/XXXX told check was sent on XX/XX/XXXX. i asked for confirmation in writing and have email confirming. its XX/XX/XXXX no check. they canceled the 2 credit cards i have with them and ruined my excellent credit rating. they think that i am pulling a scam. they owe me XXXX which they show on my last 2 statements. i am looking for help. i dont have and extra XXXX laying around. can you help. please

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 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I believe I should be apart of the Wells Fargo settlement. There were extra fees ( insurance ) applied to my loan that I was unaware of. My car was repossessed because I could no longer afford the payment

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 2023-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I am writing with hopes that you may help to resolve this problem. My husband and I applied for Bankruptcy in XXXX  due to our unfortunate circumstances. Citibank was one of the debts that was included in the Bankruptcy. Currently we are trying to sell our home and when the bank ordered a Title Report, the report included Citibank as an issue. I reached out to Citibank in an email, because that was what I was directed to do after I made a phone call to them. I was then instructed, by Citibank to write a letter to Citibank and state what my issues were and how I can settle with them for a Lien release. I offered them {$3000.00} for the release and I havent heard from them since. I would like to resolve this issue with them but I feel that they are not interested. I tried to call them and when I spoke with someone at Citibank recently they told me that it looks like this account was discharged from their system and then told me to start over again with the exact information I sent them in the first place. I feel they are delaying me and putting me in a perpetual circle of not being able to complete this issue. I will include all documentation for you to see. Also, this debt was already discharged in our bankruptcy.

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 2023-02-24 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: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX from Creditor : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-24 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: TX

Complaint narrative:
i have filed a cease and desist against XXXX XXXX XXXX XXXX the continued communications have caused me to suffer severe humiliation, distress, and embarrassment. with unauthorized alleged amount of {$6000.00}. its also infringing upon my right to privacy

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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
My monthly card payment of {$15000.00} was paid twice on XX/XX/2023. I had manually scheduled a bank payment of my monthly statement balance several weeks ago. Maybe two weeks later I went to Barclays webpage and signed up for their service that automatically pays the monthly balance so that you don't forget. Bottom line... when XX/XX/XXXX comes ( monthly statement due date ) Barclays generates two payments from my bank account both for {$15000.00}. My account now has a CREDIT BALANCE of over {$13000.00}. I called Barclays on XX/XX/XXXX. The rep clearly saw what had happened with the double payment but had no interest in fixing it. She told me Barclays would have to investigate and would need up to two billing cycles ( 2 months ) to resolve it. I was shocked. There are not too may households that can have a {$15000.00} hit to their bank account and not cause huge problems. I ask the rep what sort of interest they were planning to pay on keeping my money. She did not reply. 
This is outrageous..

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 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
For sometime, I was a victim of domestic abuse by my now ex husband. During this tragic period of life I discovered that hed stolen my SS card and drivers license from my wallet. From that point the perpetrator applied for mortgage loan applications in my name as well as Credit card loans, in addition to filing income tax returns with out my consent. These incidents have been reported to the Federal Trade Commission, IRS, and all three Credit Bureau agencies. This individual has no respect for anything and will continue these vicious, illegal attacks until legal action has been taken against him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Acct # XXXX XXXX XXXX XXXX Amount {$3000.00} I have sent multiple correspondences by certified mail to settle this debt without any written agreement or resolution from Wells Fargo. 

According to the information given to me by Wells Fargo, the date of the last activity on this account was XX/XX/2016. 

The statute of limitations on this debt is six ( 6 ) years in the state of Wisconsin. This debt is out of the statute of limitations and is no longer collectible. 

Wells Fargo has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the debt to the credit bureaus.

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