vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank handles XXXX XXXX XXXX credit card accounts and payments, There is a mistake on my XXXX XXXX statement ... XXXX amount I owe is incorrect. 
The XXXX statement with payment due XX/XX/2022 showed a balance of {$720.00} but I bought items that totaled {$220.00} on XX/XX/2022 increasing my balance to {$940.00}. On XX/XX/2022, I paid the entire balance which was {$940.00} ( instead of what I meant to pay which was {$100.00}. I called and asked for a refund of {$840.00} leaving XXXX XXXX with {$100.00} and my balance at {$840.00}. But it is not. 
On my XXXX statement where payment was due on XX/XX/2022, I have a balance of {$1800.00} because on XX/XX/2022 you gave me a payment adjustment of {$940.00} and then on XX/XX/200 you gave me a credit balance refund of {$840.00} which was unnecessary and incorrect. The {$940.00} payment adjustment is an error and should be removed because I did not receive a payment of {$940.00} in my Bank XXXX XXXX account -- I only received {$840.00} in my Bank XXXX XXXX account. 
My balance should be {$840.00} ( {$940.00} minus {$100.00} ) However, the {$100.00} payment is not reflected on the XXXX bill where payment was due on XX/XX/2022. My bank, Bank XXXX XXXX issued, me an {$840.00} from you. They clearly understand what happened, which was refund back to me all but {$100.00}. XXXX Bank XXXX XXXX statement does not show an additional {$940.00} refund from XXXX XXXX -- so my XXXX XXXX card statement should not either. 
You have to adjust my statement because you have an adjusted my payment of {$940.00} ( which was a refund ) and then charged me {$840.00} for refund againwhy do you have XXXX refunds/payment on my account? Your mistake is messing up my XXXX XXXX as outstanding balances affect your score. Moreover, I am being charged for interest an incorrect amount- {$1800.00}. 
I will attach my last XXXX XXXX bills for XXXX, XXXX and XX/XX/2022 and XXXX Bank XXXX XXXX statement for XX/XX/2022. How did my balance go from {$720.00} to {$1800.00} with only {$220.00} worth of purchases? It did not, you made a mistake by charging me twice for only XXXX refund!!!! My XXXX XXXX XXXX statement still has the incorrect balance owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 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 XXXX XXXX XXXXXXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may 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 2022-08-17 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States 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 2022-08-17 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: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX  on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I informed Caine & Weiner in writing in response to an SMS text message on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX that I do not have a XXXX account and that they are not to communicate with my phone number via SMS or phone call. 

On Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX, I was contacted again via SMS at my phone number with a message saying Caine & Weiner is here to help you resolve your XXXX XXXXXXXX XXXX account. Please contact me to discuss your options. 

XXXX XXXX XXXX XXXX XXXX online at  XXXXXXX XXXXXXXX XXXX I responded on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX  saying, You have already been informed in writing to not contact this number. I do not have a XXXXXXXX XXXXXXXX account and I am not affiliated with a company that has a XXXXXXXX XXXX  account. I am formally complaining to the CFPB about your contact after I informed you in writing to not contact this number. I will be sending screenshots of this conversation as well as my phone records. 

Since those messages were sent, I have been receiving sometimes more than three phone calls a day from Caine & Weiner regarding collecting this debt that is not mine. I also informed them more than once that the debt is not mine and to stop contacting me. 

On XX/XX/2022 at XXXX XXXX XXXX, I received another SMS text message from Caine & Weiner saying, Please contact me about your balance due to XXXX XXXX XXXX XXXX XXXX XXXX online at XXXXXXXX XXXX XXXX I replied on XX/XX/2022 at XXXXXXXX XXXX XXXX saying, Another complaint and screen shot is being sent to the CFPB. 

IT HAS ALREADY BEEN REQUESTED IN WRITING THAT THESE COMMUNICATIONS STOP IMMEDIATELY. 

IMMEDIATELY STOP ALL WRITTEN, VOICE ( PHONE CALL ), AND MAIL COMMUNICATIONS TO THIS NUMBER AND ANY EMAIL OR PHYSICAL ADDRESS ASSOCIATED WITH IT. 

There is no message saying that the sender is not able to receive SMS communications thus it has been communicated multiple times that the messages and phone calls must stop as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I received a deposit to my checking account in the amout of {$4400.00}. The ONLY deposit I am anticipating to my checking account is from my income teax refund in the amount of {$15.00}, XXXX. I called M & T Bank at approximately XXXX and the lady took my account information, LEFT ME ON HOLD for an extended amount of time and I was FORCED to call M & T Bank again. I advised her that I am anticipating a deposit from my income tax in the amount of {$15000.00} and I asked her why was M & T Bank holding my funds because they only gave me part of the deposit. She had no answer and gave me no information to my account. I would like for M & T bank to give me access to my entire deposit from my income tax returns effective immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I was trying to fix my credit with XXXX XXXX XXXX  and a couple accounts was supposed to be paid off for them after 4 years paying till I find out there was a miscommunication with the company because they wasnt making the payments on all my accounts, a few days ago a third party company its been harassing me over the phone and calling family members asking for me company that I wasnt notified about I try to speak with one representative but she was been rude and un respectful to me where she said that they cant sue me for that amount, that she was mentioning but also that account was supposed to be be pay off since XXXX. What it got me confuse because I didnt have any knowledge about I try to my credit report company to make a disput but the third party its refused to remove the collection that its been Pay out since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made a credit card payment to Capital one. I erroneously made an over payment. My balance was {$670.00}. Payment was entered as {$670000.00} contacted my bank the next day after my bank account was overdrawn. My bank XXXX XXXX said they would look into stopping the transaction. But did nothing. I also called Capital One the credit card company, the same day XX/XX/XXXX, they advised me that they would refund the funds and it would take 2 weeks. I received a letter from Capital One, dated XXXX XXXX advising me that could not be refunded. After reviewing this letter I called Capital One on XX/XX/XXXX and spoke to a service representative and her supervisor, XXXX, She advised me that there was no refund request on record. I asked then why did I get this letter. She had no explanation.she then said she would put my request for the refund in again. she advised the their company policy was to wait 15 days after date of the last statement and then up to 2 weeks for a check to be issued.This would an additional 3 weeks before a refund is issued. I don't know why it would take so long if they made the mistake to begin with. her nasty response was it's their policy. I asked if I would be paid the same interest rate that the bank charges.she said NO.1 then ask if it was their policy to steal the customers money for a mistake. If they are honest to me and do put the request in I will not get the refund until mid XXXX. I feel I am being taken advantage of by this bank and being treated very unfairly. I am filing this complaint to see if the process can be expedited. The last 4 digits of my credit card are XXXX.Case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Comerica
State: MI

Complaint narrative:
Last month I had the fraud case and got help for it with your company then the direct express card put a payment on it and didn't explain what was going on. 
Then yesterday XX/XX/2022 I got a overdraft fee of XXXX and they took my money I had left on my card XXXX and so I called them and they said that they closed the investigation that day and that's why I was charged the money. Then today I called them back to get more information about it. The lady XXXX told me that I need to pay them back for the money they put on my card and that I don't have any other choice. 
I live on a strict budget for the month I can't even live on what I get with out help I got a lot of bills I can just pay that kind of money in one go they are the ones that made the mistake on my card and now they want me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
American Express incorrectly calculated the amount basis for interest charged on my XXXX Card. The amount carried forward from my XX/XX/2022 statement to my XX/XX/2022 statement was {$3500.00}, however I was charged interest on {$5400.00}. With an interest rate of 20.49 %, this resulted in an interest charge of {$94.00}. The correct interest charge should have been {$61.00}. 

I called AMEX customer support at approximately XXXXXXXX XXXX on XX/XX/XXXX to dispute the charge. The customer support representative could not identify why I was being charged interest off of this amount and escalated the case with her management. As of writing, the case is still currently pending resolution with AMEX management ; however, the issue is not whether or not AMEX will correct the problem in this instance. The issue is that the interest calculation process is clearly automated, and this may be indicative of a serious issue with the way that AMEX calculates interest. If customers are not reviewing their interest charges monthly, it's likely they are unaware that they are being overcharged for interest. And even if they are, it's costly in time on the part of the customer to call AMEX for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I enrolled in the Citi Priority checking offer on XXXX, 2022 that promised XXXX XXXX XXXX XXXX points if certain activities were performed in the initial 60 day period such as making a deposit, paying 2 bills and making {$750.00} of payments using the assotiated debit card. 

On XX/XX/2022 I called Citi to ask if I had fulfilled all my obligations to receive this benefot and was told yes, and that points would be deposited in my XXXX account shortly. 

On XX/XX/ 2022 I called back to inquire about the points not having been deposited and was told that I also needed to keep a balance for a 60 day period - which was not something I was informed of on XX/XX/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 2022-08-17 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: NY

Complaint narrative:
I do not remember applying for a credit card on XX/XX/XXXX. There was some sort of hard inquiry done without my knowledge that destroyed my credit score by lowering it XXXX points in less than one month. It is literally against my religion to borrow money ; I pay everything in cash or with my ATM card and have been since at least 2013.

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 2022-08-17 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XXXXs XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/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 2022-08-17 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have addresses on my credit report and names that are not mine my address is XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX Ive been at the above address for over 4 years it seems that Ive been getting credit card offers with hard pulls from offer letters sent to a address that is not mine Ive tried to freeze my account but Im seeing hard pulls on my credit report can you please delete the address and the names that someone is clearly misspelling off my credit report or I will be forced to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-17 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: DC

Complaint narrative:
To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/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 2022-08-17 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: EQUIFAX, INC.
State: DC

Complaint narrative:
To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX Tenant XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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:
n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # 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 instruction

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 2022-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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