vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/XXXX we purchased a service for pest control. But the company XXXX failed to contain the pest. We contacted XXXX several times over a three months period To have this issue resolved. But the company failed to show up in our house and complete the job. In addition to that XXXX also placed Unauthorized charge on XX/XX/XXXX. Before the first payment expired. We called XXXX And told them we did not recognize the transactions and we demanded A refund. XXXX was unwilling to refund the money or complete the job. As a result we disputed both transactions with Barclays. Also Barclays refused to credit the account and concluded that the merchant did not violate their agreement. While the fact is they have violated the agreement and also committed a fraud. Then we filed a complaint with the XXXX XXXX XXXX XXXX. After that XXXX refunded both the transaction back to the card. On the other hand Barclays refused to return the Money back to the original payment method or to send us a check. Then we filed a complaint with consumer financial protection bureau CFPB Against Barclays and demanded they return the money back to us. But instead of sending the money back to the original method of payment or sending a check to the address we provided they only responded with a letter That explains they have refunded the money. On the ground we have not received Our Money like they claimed on the letter. In XX/XX/XXXX I made Barclays aware Of the interest rate that They will incur Because of holding my money from most important life situations that I was facing. And by holding my dearly needed Money from use Barclays agreed to pay the interest rate of 9,900,000 %. Now I will like to collect all of my money with the interest rate Accumulated since the date of the closure of the account. Which is XX/XX/XXXX. If I do not receive my money within a reasonable time frame the consequences will be further more costly.

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 2022-10-01 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I paid my consumer credit card bill in full on the date due. They sent me a statement with a balance for interest. When I called them I was advised even though payment was received on the due date my payment didn't post until the following day. I questioned this and they waived the interest charges, but in my mind this deceptive business practices as if I would not have known to check further and question it I would have been responsible for interest I technically did not know. How many people are getting stuck this way? Shameful this company operates this way.

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
Consumer complaint received 2022-10-01 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: MD

Complaint narrative:
Equifax has furnished accounts on my credit report without my permission. I have contacted Equifax on several occasions and spoke with multiple people including supervisors. Still these accounts are on my credit report. Equifax says that it follows the laws under the FCRA but 15 USC 1681b # 2 says that they have to have my written instruction to furnish it on my report and they do not have my written instruction. Theyre basically violating my right to privacy under 15 USC 1681 a4. Ive even filed a complaint with the CFPB but somehow Equifax continues to break the law willingly and knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express did not send us a monthly bill and as a result we incurred late fees. When cancelling the card as a result, they made calculation errors which resulted in further fees for me, and they disputed that my annual fee should be refunded. I had to call four times to try to get a resolution and despite having a copy of the recorded call, they would not let me have a copy to prove that their employee had erred and my annual fee should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: WA

Complaint narrative:
XXXX is too old to be on my credit report, was close/last reported on XX/XX/2014. The statute of limitations is 7 years, so i request that this item be DELETED from my credit report. 

XXXX XXXX XXXX XXXX XXXX  is too old to be on my credit report.It was last reported/closed XXXX.I request that this item be DELETED from my credit report as soon as possible because it is older than 7 years. 

3.I also request that this deletion should be reflected in XXXX and XXXX. 

4.My final request is for CFPB to share this complaint with XXXX  State Attorney General 's Office .

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 2022-10-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A 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 AN ACCOUNT WITHOUT WRITTEN CONSENT.

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 2022-10-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 2. Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 3.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report 4.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from 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
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 i sent the Consumer reporting Agency TransUnion and certified Letter TRACKING # XXXX with green return receipt. 

Letting TransUnion know, in accordance with the FAIR CREDIT REPORTING ACT, 15 U.S.C 1681c Section 605 reporting periods only run 7 or 10 years depending on the type of information. in my case, the information in question is OUTDATED and EXPIRED and needs to be deleted from my consumer report. 

Account name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2022-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have tried to transfer money from my XXXX joint account for a couple of months now but kept getting a generic error ( " technical issues '' ). I called them about it on Friday, XX/XX/XXXX, and they told me they had restricted my account for withdrawals without any notification, and couldn't provide any reason for that. 

I got that account unrestricted on the phone and initiated a transfer thinking I was all set. However, later that day, I got an email from XXXX requesting I call back. I called back on I spoke to an agent who said a specialist would need to look at the account. I was on hold for 30 minutes and the agent took down my number and said the specialist would call me. I haven't heard anything since, haven't been able to get in touch, and now am completely locked out of my account. 

The bank is holding my assets, not letting me transfer any money out at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received fund through paypal. But paypal decided to permanently disable my paypal account with no refund, withdraw or send option, they have forcefully trapped my money for 180 days in their website without my consent, note that i verified my paypal account with XXXX  and as well uploaded all my legal documents to their website. This is illegal! 
I need either to refund or withdraw the my cash. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dear Regions, I have been a customer now for two years leading into three. My account has been affected in overdraft charge fees for XXXX. Ive had to call multiple times in order to understand the reason for those charges. I am a fan of Regions, however, I have thought about leaving and going to another bank because of this same reason. Ive had to change stipulations on my account and became upset with Regions employees because of charges made on my account. I had no idea that top Regions officers were making those illegal charges to accounts and my account just so happened to the affected by it. 

Sincerely, 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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Recently I filed a complaint against Capital One alleging that Capital One requires consumers to have certain level of communication skills in order to receive services from Capital One without properly disclosing those the requirement of the physical and mental abilities that it expects customers to have in its terms and conditions of service or other disclosures. 

Capital One 's response to my allegation was that Capital One has the following statement in one of its documents : CLOSING YOUR ACCOUNT We may, subject to applicable law, close your Account at any time, regardless of whether youre in default. You may ask us to close your Account at any time by calling us emphasizing the statement " You may ask us to close your Account at any time by calling us ''. 

My experience calling Capital One in order to close my account was as follows : On XX/XX/2022 around XXXX XXXX XXXX I placed a call to the number provided by Capital One, XXXX. I clearly stated at the best of my abilities to the voice recognition system that answered my phone call that I would like to close my account and the voice recognition system informed me that it did not understand my request. I was eventually transferred to a person and the person who answered the call, XXXX, disconnected the call after XXXX min and XXXX seconds of the conversation. 

To give Capital One another chance I placed another phone call to XXXX around XXXX XXXX XXXX XXXX and informed the voice recognition system that answered the call that I would like to close the account. The system asked for my social security number and the last four digits of my account number. After I provided this information, the system informed me that the telephone call may be recorded and put me on hold. The call was answered by XXXX, who has not provided me any other identifying information. After I attempted to explain to XXXX what I was trying to achieve, XXXX disconnected the call. The call lasted XXXX min and XXXX seconds. 

It is clear that the disclosures provided by Capital One regarding the requirements that customers need to have abilities to call Capital One to request certain services is not adequate. Capital One needs to properly disclose what level of telephone communication skills it expects its customers to have such as the customers fluency in conducting telephone conversations and the time customers are expected by Capital One to be able to continuously maintain a telephone conversation. Merely stating that some services can be requested by calling us is not enough to describe the physical and mental abilities that Capital One expects its customers to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT WAS OPENEDAND FRAUDULENTLY USED, AND THE FUNDS WERE MISAPPROPRIATED, I CONTACTED THIS COMPANY ON SEVERAL OCCASIONS IN AN ATTEMPT TO RECOVER MY FUNDS, WHICH BY LAW WAS SUPPOSED TO BE FDIC INSURED, DURING THIS PERIOD I WAS XXXXXXXX FROM XXXX THIS WAS VERIFIED BY NETSPEND STAFF BY AND THROUGH THE VETERANS ADMINISTRATION DURING A CALL WITH REPRESENTATIVE " XXXX XXXX ON XXXX THERE WAS AN INDEBTEDNESS APPLIED TO MYSELF FOR THESE PAYMENTS THAT WENT TO THIS ACCOUNT, A POLICE REPORT WAS GENERATED XXXX XXXX XXXX XXXX WHICH WAS IN REGARD TO IDENTITY THEFT TO XXXX XXXX XXXX XXXX, MY COMPLAINT IS IN REGARD TO NETSPEND NOT BEING DILIGENT IN RETURNING MY FUNDS TO ME REGARDING THE IDENTITY THEFT, I WAS CLEARLY XXXX DURING THAT TIME AND COULD NOT HAVE POSSIBLY MADE ANY OF THE TRANSACTIONS.

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 2022-10-01 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: AL

Complaint narrative:
I recently went to Experian about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.

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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX I was going through a horrific divorce where by advise for my safety from attorneys was told to leave home till he is served XXXX. Two days prior he cut me off all bank accounts had no money etc, called Wells Fargo XXXX XXXX  Branch. to tell them whats happening and want to make it right. Meanwhile they refused to work with me said sorry going into collections. Beginning of XX/XX/XXXX received a letter from them stating they would forward this onto attorneys if I dont respond by XX/XX/XXXX. I called XX/XX/XXXX spoke with a lady told her story she confirmed all true and said I have every intention paying but want to come to an agreement and refuse to pay interest sense I did try to work this out to never get here prior. She assured me wouldnt be forwarded onto attorneys. Asked her next step she said she had to forward I got onto collection too see if they accept your terms and work out a repayment plan and we will get back to you. On XX/XX/XXXX and until than heard back nothing from them and there was XXXX notice via mail, phone, Text, email that they even came to an agreement to begin with nor that they would debit {$13000.00} on that date out of my account. I was NEVER notified again of either an agreement made nor they would remove on their own money from my account. Even made them very aware of real life crisis way before I was late way back on any payments and refused to work with me. Demand my full amount back in my account asap as had to cancel large payments already planned and prepaid as they never notified me as well as asked how to repay as I have a couple of accounts. That is fraud!!!

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 2022-10-01 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: AL

Complaint narrative:
I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.

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 2022-10-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I have made late payments before with the following companies below : - Capital One ( Vehicle Loan ) - XXXX  XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX  ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With Capital One, the full Vehicle Loan was to be paid within 6 years. I have paid it full, 2-3 years early ( XX/XX/2022 ). 

With XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.

Company response to consumer: Closed with explanation