vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
My XXXX  passed away on XX/XX/2022. On XX/XX/2022, I contacted Popular Direct Bank of XXXX XXXX, XXXX and was given a list of the items that they would need to close my mother 's XXXX Certificates of Deposit. That was provided via registered mail, notarized, as requested. On XX/XX/2022, I called and was told that everything was there that they needed and that checks would be issued and I should receive them in XXXX days. I called again on XX/XX/2022, and was told that the accounts had become " dormant '' ( even though I had been in contact with them about the accounts ) and so the checks had not been issued. The representative told me that she removed the " dormant '' status and that the accounts could now be closed and checks would be issued and received within XXXX days. That evening I received a call from the bank stating that they required more information, including my and my brother 's social security number in another notarized letter that also indicated what we wanted done with the accounts. That letter was sent XX/XX/2022 and received by the bank on XX/XX/2022. I contacted the bank on XX/XX/2022 and was told they had not received or processed the letter and could do nothing with the accounts. Contacted bank on XX/XX/2022 and was told that the problem with them not receiving the documents was that they had been forwarded to XXXX XXXX. They now can offer no time frame when the accounts can be closed. I have offered to resend the paperwork, but was told that it would still be forwarded to XXXX XXXX and that there is no way to expedite the 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
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT WILLIAMS AND FUDGE XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : XXXX I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX  # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions XXXX15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than XXXX XXXX15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than seven years.15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

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 2022-09-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # 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 State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
In XXXX, I submitted a complaint ( Complaint # XXXX ) regarding credit inquires that were fraudulently and inaccurately reported on my consumer report including accompanying documentation from the creditors stating that they had placed a request to all bureaus to remove inquires. As of XX/XX/2022, the inquires still have not been removed and my consumer report corrected. I demand that this be addressed and corrected immediately as you are in direct violation of the FCRA.

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 2022-09-22 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: PA

Complaint narrative:
XXXX, XXXX, and TransUnion, are penalizing me via continued poor credit report based on fraudulent charges on a chase bank card. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( XXXX, XXXX, TransUnion ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}

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 2022-09-22 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: PA

Complaint narrative:
Equifax, XXXX, and XXXX, are penalizing me via continued poor credit report based on fraudulent charges on a chase bank card. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( Equifax, XXXX, XXXX ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted Midland Credit Management after being served with papers in XXXX for a XXXX XXXX account that is not mine. First the card is in a partial name which I have never gone by since it is not my legal name and secondly I have not resided at the address given. At that time I also was told that I was served with papers for an XXXX home account which is also for that same address. I asked for verification if the debts I received a statement fir the XXXX but nothing for the XXXX account. I asked for a copy of the application which has not been provided. Neither if these accounts are mine and they need to be removed. I spoke with them again today with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NJ

Complaint narrative:
I went to apply for a car an was never told all these other inquiries would be reported

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 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
On XX/XX/2022, I received a letter from Law Offices of XXXX, XXXX XXXX XXXX about an alleged debt owed to XXXX XXXXXXXX that XXXX, XXXX & XXXX were trying to collect on. I was confused on how this company XXXX XXXX XXXX XXXX, XXXX & XXXX received my information and I never did business with them. Therefore, I sent them a validation of debt letter and they responded with a letter sent out XX/XX/2022. The letter consist of XXXX XXXX statements stating that I allegedly owe them money and they are attempting to collect a debt. This caused me to panic, so I started to do some research and noticed that I was being violated my rights under the FDCPA. In there letter it stated that I allegedly owe {$660000.00}. After completing my researched I noticed several violations of my rights, in there letter sent to me 15 USC 1692 ( a ), 15 USC 1692e ( 2 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( a ), 15 USC 1692a ( 6 ) and 15 USC 1692j ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX  is engaging in unethical and deceptive fee credit practice with its ongoing monthly fees. 

I previously called Reflex over a year ago, I stated I did not realize the credit card company charged a monthly fee, ( it is not clear in the terms of agreement/its vague ) and requested the card be closed so I am not charged any fees. I was told they can not remove the fees ( monthly fee of $ XXXX ) because there was a balance. Once the balance was paid they could remove the fees. 

Now a year later, after interest is paid, and there is only a small balance of approx $ XXXX XXXX dollars, XXXX is stating they cant remove the fees and I have no choice. So XXXX has amassed over {$200.00} in extra fees while the account was closed, I paid interest and never again used the card. 

This is clearly a deceptive practice that is robbing the consumer of money. My account was closed and XXXX rightfully charged interest but ALSO a monthly maintenance fee. This is unacceptable especially after customer service stated I would be refunded once I pay off the balance due. Please feel free to have the company review the recorded customer service calls to verify these interactions. 

I am also led to believe ContinentalXXXX XXXX are aware I am a senior citizen and are eager to take advantage of such.

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 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This debit is being reviewed with the health insurance company the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This is a surprise medical bill from XXXX XXXX. I was rushed to the emergency room on XX/XX/2020. The entire time I was in ER at XXXX I was on morphine for pain. I was not in a state of mind to sign any documents, I did relay that to the staff in the ER. I stated that I do not have the funds to pay for the emergency room stay and told the nurses that I would like to leave. I did not expect that I would be rushed into XXXX because of my appendix. After the XXXX, I stated that I would like to go home because I knew that the hospital bill was going to be too expensive. The staff at XXXX XXXX stated that due to XXXX XXXX I can not have any family members come to the hospital and the doctor can not discharge me until a post-op test. 
Someone from the financial department with XXXX XXXX talked with me and told me to sign paperwork that I was not in a state of mind to sign. I recall telling her that I do not have money to pay for the emergency room visit. The staff stated that the state of California insurance should help with some of the cost. This bill was sent to collection for {$38000.00} it was a result of an emergency procedure when I was rushed to the emergency room in XXXX this was not expected I was told that my insurance would be able to cover the cost of some of the cost because I had no income at the time and was on the state of California XXXX plan. I am still in talks with XXXX about them covering some of the cost of this medical bill. I am protected against this surprise medical bill because I have coverage through XXXX. 
XXXX XXXX sent the medical bill to a collection company XXXX XXXX which continues to report a new amount every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received recently a bank statement from Bank of America dated XX/XX/XXXX to XXXX, 2022 showing a negative balance of {$4.00} due to a service fee. I never applied for nor opened this account. As I am aware of the banking scams of both XXXX XXXX and Bank of America and the investigation undertaken by your organization, I was immediately very concerned. As a result I sent my letter investigating this matter to Bank of America on XX/XX/2022 requesting information as to how this account was opened. ( Letter attached ) Instead of replying to this letter I received a communication from Bank of America dated XX/XX/2022 in which this bank is requesting that I fill out their guestionaire ( attached ) including asking such things as my social security number and a copy of such things as my driver 's license, etc. Given the fact that this bank would have appeared to have most of my private information in order to originally open this account, I find it inappropriate and frightening that the bank now feels that they are in a position where it is reasonable to request such information after they opened the account. If Bank of America fraudulently or negligently opened an account in my name, I would not want to provide them with additional private information to use against me.

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