vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
Banco Popular continues to commit fraud by misrepresenting themselves as XXXX XXXX in a letter addressed to me in XXXX informing me that my card was going to be cancelled in XXXX but they didnt cancel the card or Freeze the card online as I had requested and instead allowed a charge to go through that resulted in late fees that they now refuse to remove so the account can be closed. A XXXX balance is not possible to achieve with this Parasitic Lender because they have devised their payment system to charge interest after the statement due date. For example, my statement balance is due on the XXXX and if I dont pay it by then I will be charged a late fee but the interest charges are placed on the card on the XXXX several days after you think your balance is at XXXX. If you missed the small interest charge it will result in a late and a missed payment fee. If you pay the interest by the statement date on the XXXX their will be yet another interest charge on the XXXX the cycle will continue in perpetuity. Banco Popular is just XXXX of the XXXX Parasitic Lenders that have attached themselves to me. And this is not just true for me but every single customer these Parasitic Lenders attach themselves to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: SC

Complaint narrative:
I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, XXXX, AND EXPERIAN HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

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 2022-10-14 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: SC

Complaint narrative:
I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, TRANSUNION, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

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 2022-10-14 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: TX

Complaint narrative:
Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( XXXX, Equifax and XXXX ), XXXX deleted the account due to unverifiable information. However XXXX and Equifax have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from XXXX and Equifax I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting XXXX and EquifaxPlease provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My loan was recently transferred to Truist and I have not received a welcome letter with my account number and payment info so I can make a payment. I tried reaching out via social media and was told I had to call in for assistance. I spent over XXXX HOURS on hold before giving up. I was not given an option for a call back either. Im simply trying to pay my mortgage.

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 2022-10-14 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: NC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 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 2022-10-14 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: NC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 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 explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sirs, I, XXXX XXXX XXXX ( please see my passport attached ), customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . ( please see requisites XXXX attached ) 1. I am a client of XXXX XXXX - and bought XXXX XXXX USD on XXXX XXXXXXXX  ( please see attached file XXXX XXXX XXXX XXXX deal ) and on XXXX I made a wire transfer transaction from XXXX XXXX, XXXX. ( Please, look through attached file XXXX ) to my account at XXXX XXXX, with XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX XXXX  informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings.

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 2022-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been Citibank customer for nearly 20 years. I held a checking account with Citi. Recently, in XX/XX/2022 I followed their promotion and opened a savings account. I deposited the required balance. I made several withdrawals from the account and also several deposits. At the beginning of XXXX, my savings account was blocked with no explanation. The online access to my checking account was blocked as well. However, the checking account was operational but I did not have any online access. I have been told that I will receive a check within the 3 months for the funds in my savings account. On XX/XX/2022, my checking was closed with no prior warning and no explanation. I found out only because two direct debits from this checking account to my credit cards were declined. I incurred late fees and interest because of this totaling up to {$100.00}. 
I received the check for the remaining funds from my checking account at the beginning of XXXX. I have not yet received the funds from my savings account totaling more than {$11000.00}. I went to the branch of Citibank. The staff was polite but they could not explain to me what is going on and the only way to find out was to call Citi. I called directly from the branch as otherwise, Citi did not even want to talk to me on the phone. I was transferred through several departments to the department that put a block on my account initially, but the person there could not tell me what is happening. He told me to call after 48 hours. I did call after 48 hours, but it was a similar result : several transfers and promises to send me the check within 50! days. This is after waiting for the funds for 3 months already. When I asked for a more detailed explanation, the person just handed up on me. I called Citi again to file the complaint, but even this was extremely difficult, I had to go through several departments. I am facing lost interest for about 5 month ( Citi did pay interest till XXXX, but it was extremely low relative to their competitors ). I think this behavior on behalf of Citi is extremely unprofessional and plain rude. Remember I was a customer for 20 years!

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 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Received a call at XXXX XXXX  on XX/XX/XXXX from the collection department at Comenity Bank for my XXXX account. I am aware of the debt. I had not received a statement, nor the actual card for this account, which I explained to them in XXXX after they first called me. I have since received a copy of a statement and have set up a payment online. I told the person this when they called on XX/XX/XXXX. I also stated they are breaking the law contacting me at XXXX XXXX. The collector stated, well its XXXX where Im at, so are you saying you dont want to be contacted? I again said, you are breaking the law contacting me at XXXXXXXX XXXX  The person apparently thinks its okay to call before XXXX XXXX, which is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: KY

Complaint narrative:
I borrowed a total of {$4000.00} in the Covid pandemic due to financial hardship and poor credit and had just lost my job. I was taken advantage by TitleMax Title Loan in XXXX TN they gave me this loan after luring me in not making me aware of the 330 % interest rate on this loan over 12-36 months the payment alone was over {$500.00} a month on this loan I fell behind even worse and couldn't make the payments and defaulted on the loan they never made any contact with me or attempted to help me with arrangements or any kind of relief to due to the hardship caused by covid pandemic. Then on XX/XX/2022 I was harassed and stalked by a repo man who was waiting outside my apartment complex and followed me everywhere I went and I went into the store and he was waiting for me at the door broadcasting my name and my business and that he was repossessing my car and he already had it hooked up on the truck without warning or anything he told me they have been stalking and harassing my family members and all known addresses even stalking my credit report and post office to get my address to repo my car I called them and they were smart and rude and weren't willing to help me or work with me said they wanted {$5700.00} to get my car back now or they would sell it now I have lost my job again fixing to be evicted and have no car to find another job to be able to pay my bills and live. I would like to be included in any and all class action lawsuits against them for luring people in with these outrageous interest rates and for damages I have incurred do to this matter and for taking my car for no reason and without warning or attempts of any kind to fix this matter before this happened they are crooks and should be in jail for the way they cheat and scan people in this recession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two Capital One cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my XXXX report. Both are violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am REALLY upset AND disappointed. 
The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

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 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
After being denied a job I found out that this account with the first investor was charged off and I have been in contact with them stating this is not my account and I have never owned a XXXX XXXX XXXX. This car has two names associated and I have no idea who, why, and where this car is. I have never seen this car. They provided me with more information on where it started and disputed that as well. This is fraudulent, someone took this loan out using my information and name. 

I have added a fraud alert on my credit, doing this step and doing a police report to clear my name on this. 

They are suing the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This a complaint against Capital One Quicksilver Credit Card, case number XXXX. I am disputing a purchase made on my CapitalOne quicksilver credit card for a service that was not provided. I had submitted the dispute to my credit card company after a failed attempt to resolve it with the merchant. It now appears my credit card company is taking sides with the merchant ( I guess for the gain made on the purchase ) rather than provide financial protection for its customer over a purchased service that was not provided. This has been the behavior of Capital One Bank, now is the Credit card arm to side with merchants that tend to collect money for services not provided. I am disputing a partial amount of {$480.00} of the total {$3500.00} that i paid. I provided the document Capital One asked me to provide and they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 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: AZ

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation