vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
Capital One charges interest on the month when you miss a payment and then subsequently also charges internet on the next month even if you paid the previous month and also pay the next month in full on time. Ive just discovered this after almost 10 years of being setup on autopay to pay the balance in full every month where occasionally theres an issue with the payment I automatically get charged XXXX XXXX of interest regardless of payments being made on time and in full. This seems extremely unethical and I must request that this be investigated against consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
At the beginning of XX/XX/2022 I received a check from XXXX XXXX which is a XXXX XXXX XXXX XXXX. They went out of business so they sent me a {$21.00} check and I deposited it at XXXX bank and when Bank of America went to cash the check Because they are the issue were of the {$21.00} check account for XXXX XXXX XXXX they bounced the check to XXXX and falsely claimed the check had been altered, I have proven to them through statements from the bank saying that I would get {$21.00} back along with emails from the bank showing my statement of {$21.00} owed to me so I have proven that the check is in fact valid XXXX intern closed my account the day my XXXX was deposited and I have no way to get my entire month salary because I live three hours away from the nearest XXXX bank and they wont give me back my money theyve locked up every cent I have and I have locked up my Social Security as well because Bank of America made an error or lied about a {$21.00} check so Bank of America also owes me {$31.00} for the amount of the original check plus {$10.00} and XXXX fees. They also are liable for any late charges that I may incurred due to my Social Security just being missing now because XXXX decided to close my account based on Bank of Americas word that I altered a check. So this complaint is actually against both XXXX bank and Bank of America

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I am trying to visit their website to cancel my credit card. XXXX XXXX XXXX I am unable to find a way to cancel the card : When I call the company 's phone number there isn't an option to speak with someone. 

I do not want to keep the card open but I am unable to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : 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 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/2022 Dear Penn Credit Corporation After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Shellpoint for over a year has been mailing my monthly mortgage bill to the WRONG ADDRESS, refuses to fix it. I only just now found out. 

There are 2 borrowers with equal rights. 

Other borrower abandoned home, went missing, stopped paying mortgage, committed XXXX against me, changed phone #, all contact info. - on XXXX Over a year ago. 

I have told employees at Shellpoint this by phone, email, chat, website messages. 

The subject property where the mortgage is, was, always has been : XXXX XXXX XXXX XXXX XXXX The county is, was, always has been : XXXX XXXX They have : XXXX XXXX They have been told by phone, mail, email, chat to fix the county, where the property taxes are paid. 

They have refused to fix the county. 2 years, it is still wrong. 

Now I find they are sending my monthly bill and correspondence to the co-borrower who abandoned the property, in XXXX XXXX 

No one made this change. 

Best of all, they are LYING and saying USPS is responsible. 

No, it is PREPRINTED BY SHELLPOINT MORTGAGE ON THE BILLS. 

USPS DOES NOT PRINT THEIR BILLS. 

So now not only do they have the WRONG county, WRONG mailing address, WRONG mortgaged property address, WRONG person the bill is being mailed to - they have refused to fix for 2 years, and 1 year- now they are lying about it. 

USPS DOES NOT HAVE ACCESS TO SHELLPOINT 'S INTERNAL BILLS THEY PRINT OUT AND MAIL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have wrote Capital one and the three credit bureaus for than three times in the state of Michigan credit card only have 6 years for statutory of limitations also there have falsified my document with the three bureaus of the dates and time of my last payments and added information to prolong this on my credit The write off is holding up my credit for than the legal Michigan laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a Jet Blue Mastercard credit card from Barclays Bank, which I never requested or accepted. I did not activate it. I now am receiving daily bills from Barclays Bank for charges that I didn't make. I called the bank, but the representative would not speak with me unless I gave my name, date of birth, and last four numbers of my social security number. I do not want to give the bank that personal 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 monetary relief
Consumer complaint received 2022-08-29 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: OneMain Finance Corporation
State: IN

Complaint narrative:
One main-XXXX-hard inquiry that I never did myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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:
Investigation Request Letter To Whom It XXXX Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number XXXX XXXX XXXXXXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
There are a total of 9 unauthorized inquiries on my consumer report that were located after pulling my free annual credit report. These unauthorized accounts have caused me a great deal of stress. These unauthorized transactions are making it impossible to extend credit or get approved for basic household essentials. I am requesting them to be removed 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX Social Security Administration 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 section2 : Also states a consumer reporting agency can not furnish a account with out my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : 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 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I emailed Fedloan twice requesting a refund of a payment made during the pause period, and I still have gotten no response. I reached out on XX/XX/XXXX and again on XX/XX/XXXX but still haven't heard back from anyone. 
I made a payment of {$50.00} on XX/XX/XXXX and I'd like to have it refunded. The timing is somewhat urgent since my loans are getting transferred and I'd really prefer to do this before my account leaves Fedloan- it's unclear if I will be able to get a refund from my new servicer. I really dislike how Fedloan customer service seems to be nonexistent at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
XXXX XXXXXXXXhard inquiry that I never did myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
XXXX XXXXXXXX-hard inquiry that I never did myself

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Yamaha Motor Finance Corporation USA
State: SC

Complaint narrative:
In XX/XX/XXXX we financed a golf cart through Yamaha Financial Services. Initially the financing was strictly in my name ( XXXX XXXX ) but the Company requested that my wife cosign the loan ( XXXX XXXX ). This transaction was handled through the issuance of a Yamaha Financial credit card. The first card ending in XXXX was issued and we made our initial payment of {$250.00} on that card. With the addition of my wife they reissued a new card ending in XXXX and all subsequent payments have been made on that card. On XX/XX/XXXX I contacted the Company and asked that my payment of {$250.00} which showed as an outstanding credit balance on the XXXX card be returned to me. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, XXXX and finally on XX/XX/XXXX. Each time I was told the matter had been referred to their accounting back office and I should expect a check within 30 days. As of this morning XX/XX/XXXX I am still not in receipt of my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Reference : XXXX Creditor : One Advantage, LLC XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, IN XXXX XX/XX/2022 Dear One Advantage, LLC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX  does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX  authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX  compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, 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
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have requested numerous times for all transactions, withdrawals and deposits, to be frozen and not allowed in my account while this issue is being handled. Fulton Bank does not do this. I want all debits and credits disallowed on my account at this time. This is not a duplicate. This is separate issue.

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