vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: CA

Complaint narrative:
l have a XXXX XXXX XXXX XXXX XXXX. I shop at the XXXX 's XXXX XXXX near my home and have been a customer for many years. I have always kept up with my bills, but suddenly I have received a bill telling me that I have gone over my credit limit of {$10000.00} and that I must pay them {$1300.00} by XX/XX/2022. 

I have been paying them around {$100.00} a month up until I received this huge bill. I contacted XXXX 's XXXX by phone and the woman said she would transfer me to " Hardship Cases. '' I was transferred to " Hardship Cases, '' and they told me to call the number on the bill to get information about credit counseling services. I called and there was no one there. 

I've been scrambling around trying to figure out what to do. I can not understand why XXXX 's XXXX did not deny the {$1300.00} in purchases when I ran the card in the store. I never would have gone over my limit on purpose and every card I've ever had, would automatically deny any charge over my limit. 

I can not tell you the stress and panic I have been experiencing since I have gotten this bill. 

I called XXXX 's XXXX yesterday to request a higher credit line in hopes that it would resolve the situation, but they said " NO. '' Is there anything you can do to help me? I am able to pay the {$100.00} a month.

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 2022-11-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/2022 my card was reported as over the limit. I paid down and resolved issue. XX/XX/XXXX card was reported again card over limit and it is not over the limit.

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 2022-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a XXXX credit card balance for the month of XXXX on the XXXX. I scheduled that payment for the XXXX and they pulled it on the XXXX and charged a late fee ( {$37.00} ). To not have to deal with calling them about it, I scheduled the payment of that fee for the XXXX of XXXX. They didn't charge that until the XXXX of XXXX and charged a second fee ( bringing the balance to {$76.00} ). When I contacted the customer service department about this, they said it was an error on my end ( I am certain it wasn't ) and that I had to pay XXXX sets of late fees on a card that has not been used since XXXX and has no balance other than late fees. The representative was not helpful and when we said we would file a claim with the CFPB he offered to waive the most recent fee and that he would make a note in my file that the fee would be credited. He would not give me that in writing but just wanted me to pay the first fee. Eventually he escalated it to a second representative who made the same offer but was confused because the first representative didn't leave any notes as he told us. After she found the notes, she said they could offer to waive a {$37.00} late fee but I would still need to pay {$39.00} ( which is a late fee and finances charges ). The representative couldn't explain why that was the case, but that there wasn't anything more she could do. She offered to escalate it to her supervisor, put me on hold for close to XXXX minutes, and then hung up on me. Note : the account is under my maiden name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 2022-11-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is inaccurate information on my credit report. All credit bureaus are not reporting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed a medical collection that my insurance stated was never submitted for a claim to be paid. XXXX kindly deleted. Equifax is playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: OH

Complaint narrative:
BlockFi froze all withdrawals on or about XX/XX/2022 in response to XXXX declaring bankruptcy. Without any official notice, the company did not allow assets to be made available. In the days following, there was little communication or effort to update customer/clients on the status of our funds. Pending transfers have stayed pending. The website was updated without warning to prevent use of many website/app tools. The official social media website references customer support accounts that appear to be fake or scams, encouraging people to setup illicit access and be out of their money. The phone services have been shutdown. Now XXXX XXXX XXXX or XXXX  of dollars are frozen and inaccessible. I have approx {$130000.00} that is locked out and stuck. Without any updates or information or a way to speak with the company. The company referenced XXXX licenses and regulation from state of New York, but none of that appears to be in effect or being enforced as a safety net for this exact situation. PLEASE HELP! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 2022-11-19 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: WI

Complaint narrative:
I have a Capital One Quicksilver credit card that was replaced due to signs of fraud. A new card number was issued and the old card number was cancelled. As any normal person would do, I assumed all transactions to this old card would be rejected and the merchant would notify me for alternate payment in this case. An old subscription later tried charging the old card number for {$840.00} on XX/XX/XXXX. Instead of rejecting the transaction as would have been appropriate, the transaction successfully cleared. When I called to question them on why this happened, Capital One told me they or XXXX ( all the same from my perspective ) supplied my new credit card information to the merchant without my permission or even notifying me. I filed a dispute, but this only triggered the merchant to submit whatever they had to say they wanted to file a transaction and did not address the root of the issue that Capital One is supplying my credit card information without my permission, which they claim is normal behavior despite the fact that it benefits only them and works to my detriment and means I have no control over who can charge old card numbers. They have reinstated the {$840.00} charge and determined it to be my responsibility. I will pay it only so that I can close the card and end further potential charges from the old card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has commingled my and my fathers credit. I have a XXXX but they are reporting my fathers XXXX vehicles on my credit report. They are also claiming that my income to debt is 99 % which is not true. So I am wondering just how much they have wrong.

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 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
A couple of months ago approx. in XX/XX/XXXX I received a bill from XXXX. When I called to find out what the bill was about they informed me that an account was opened at an address I lived at a year ago in XXXX. They informed me that they were going to investigate the matter and get back to me in a couple of months. Today XX/XX/XXXX I received a collection notice with the debt that is owed to XXXX  in the amount of {$210.00}. 

We moved out of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/XXXX of XXXX any account open after this date is Fraud. I closed my account with XXXX  and left it in good standing. See attached files. In addition, I have had a credit freeze on my credit report so how is it that they were able to open an account under my name? I have filed a police report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/2022 I sent XXXX a certified letter to send me the proof they have for account # XXXX which they failed to do by sending me an email saying it was verified and accurate. without showing or telling me how. Which I asked in my letter and which is my right to receive. 

In accordance with the Fair Credit certerfied act 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 2022-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX Huntington Bank says they are still working on this and are not. I was told because their teller didn't look into the notes which is their job and they allowed him to cash it it is out of their hands. I was advises that I could sue Huntington for that. I can't afford lawyers fees to do that and it looks like I'm not getting the money back either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
previously disputed capital one revolving account with a balance of {$670.00} reporting payment status of charge off. I have asked multiple times to verify account stating my signature on it and verifying this debt is mine. I have not received anything.l have been contacted by a fraudulent collection companys in the past for unsustained debts for that reason its that I am asking for full verification of account as I do not recall having this account open. date less active is reporting XXXX XX/XX/XXXX by XXXX XXXX and XXXX while XXXX is reporting XX/XX/XXXX. payment history is reporting consecutive charge off as if it was some sort of payment method by XXXX. From what I have understood there is no way that you can report payments on a dead account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is inaccurate information on my credit report. All credit bureaus are not reporting the same information.

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 2022-11-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
on XX/XX/ I deposited a dividend check online at my bank, Navy Federal Credit Union, in the amount of {$2.00}. The bank failed to deposit the check correctly through the clearing house and the check was rejected. Under the guise of a " bounced '' check the bank charged {$15.00} and directed me to contact the issuer in a refer to maker. 

The maker, XXXX, a major stock broker, was extremely confused. Thier investigation found that NFCU had incorrectly routed the check and they reissued a new check. 

NFCU charged me {$15.00} for the bounced check due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX  account : XXXX 2. XXXX XXXX XXXX account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Reported a late payment on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation