vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover clearly stated that when the account was revoked, the {$600.00} deposit was applied to the balance, resulting on an ending balance of XXXX. I do not owe the amount they continue to reflect on my credit report and it has hindered my ability to get new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
On XXXX I discovered that there were XXXX forget checks in the amount of {$79000.00} ( XXXX ) and in the amount of {$2800.00} ( XXXX ) XXXXThese were faked and forget checks ( I still had a full book of checks including these XXXX in my possession ) .I immediately contacted the Police and made a report as well as went to the branch and made a report of fraud to seek a refund. On XXXX I received a refund for the smaller check- {$2800.00} but bank refused to refund {$7900.00} stating that my claim was Out of timeframe.Therechecks were clearly both signed and forget by same individual, couple of weeks apart. XXXX for {$7900.00} posted on XXXX, so my claim was made within 60 days of posting and within 1 day of discovery. I wrote to the bank asking them to provide terms of service, something showing the rules for making fraud claim and have not received a response. I have banked with this institution for XXXX XXXX, and have not been receiving any updates concerning 'timeframes ' for making claims for these type of account or situation. They clearly see that it is fraud since the refunded the other check but they are holding on to my funds. I have never had any withdrawals or checks against my account in the amount of more then XXXX dollars.

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have been receiving letters as a result of legal action taken by Midland Funding LLC. Most recently, I received a letter this month about a attempt to collect debts that are beyond the statute of limitations. I received a letter in this month of XXXXXXXX XXXX  XXXX. These debts originate from a XXXX Credit Card account that has been inactive since XXXX. XXXX bought the debt a few years later. However, I did my research into this matter and found that XXXX account to be outside the statute of limitations for collection. Four years ago I sent documentation proving this to the major credit agencies, XXXX, XXXX and XXXX. They were in relatively a short time processed, and all of those debts are removed from my credit report. Therefore, I do not see how Midland Funding LLC has the authority to collect on a debt that no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo kept on charging me for extra overdraft fees of {$35.00} dollars thats too much for an overdraft fee. Then, on top of that I kept getting checks deposited that I had already deposited before in my account again. Ive called them about it they never did anything about it. So my account is at a negative balance. They closed my checking and saving account. When I told them I never cashed no checks over again why would I do that. Then I kept getting charged twice for the same thing. Then, why if Im negative {$75.00} why are you charging me {$35.00} for an overdraft fee its like they want money. Theyre being money hungry and thats what was happening with me. My card got stolen I was getting charged with stuff on my account they didnt refund my money back to me they are so unfair please do something help me get my money back immediately. Help others as well. Because its totally unfair.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXXXXXX XXXX # XXXX 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXXXXXX XXXX # XXXX 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 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 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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
From XX/XX/2022 thru XX/XX/2022 I over paid. Wells Fargo charged me twice. And gave me overdraft fees. My bank account went into a negative state and I told them that I don't spend money I don't have. I can't overdrafts on this account and when I told them this the lady to me I was making bad choices. If I can't go into overdrafts and di my account go {$350.00} over. This is not the first time it has done this but I don't know the other date. I paid it but now that I see they have been getting there customers I'm sure I was right. I very righteous about spending money. If I don't have it I don't spend it. I pay very good attention to my account and know what I have in there. No I don't use this account that often because of that.

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I financed my XXXX XXXX XXXX with Exeter in XX/XX/XXXX when I bought the vehicle. 
My car was totaled in a hit & run, Monday XXXX. I immediately started my insurance claim process, and it is required that I send a Full payment history from my finance company ( Exeter Finance ) to finish filing my claim. I have called Exeter over 5 times, and spoke with 5 different representatives to have my document both emailed and faxed to me, multiple times. I never received the document. I have been emailing and calling them for over two weeks now and still do not have the document I requested. 

I am now still waiting to finish filing my claim and it is causing me major problems while I am without a car. Exeter is starting to make me think they are purposely prolonging sending me my document to keep getting money from me! I find it hard to believe they would do this but I am extremely frustrated that the payment history STILL has NOT been sent. I need them to email me back! I have sent over 10 emails with no response and phone calls are not seeming to work either as NOBODY IS SENDING ME WHAT I NEED. 

I've also asked Exeter for a status update on the {$2000.00} refund sent to them from my car dealership to go towards the balance of my loan. The refund has not been applied to my account yet, I am still waiting on my PDF so I can file my claim, and Exeter WILL NOT respond back to me. I NEED HELP GETTING THEM TO SEND ME MY DOCUMENT PLEASE. I AM VERY CONCERNED WITH THIS SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I see new inquiry added on XX/XX/XXXX. I did not recognize the inquiry. The new account added to my account on XX/XX/XXXX. I did not recognize the account as well. I do not have the credit card or anything. The inquiry is from XXXX I don't know which compny it is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: LA

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. 

Account name : XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Received suspicious letter in the mail indicating that I owe the XXXX XXXX XXXX CA, XXXX XXXX for a " red arrow vehicular responsibility '' that occurred on XX/XX/2012. I looked up the case number, and none of this information applies to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that President Trump, who passed this law along with my congressman, was not to be called President. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention? 

Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how Cascade Capital Funding is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of 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 2022-12-21 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:
First off I am a real person not a 3rd party person or company but I'm and a 2nd year XXXX XXXX  who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

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

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 2022-12-21 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: GA

Complaint narrative:
Inquiries for XXXX XXXX XXXX and XXXXXXXX XXXX were fraudulent and need to be removed 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 2022-12-21 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: GA

Complaint narrative:
Inquiries for XXXX XXXX XXXXXXXX and XXXXXXXX XXXX were fraudulent and need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
Inquiries for XXXX XXXX XXXXXXXX and XXXX XXXX  were fraudulent and need to be removed 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 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I am not liable for this debt with HOSPITAL COLL SVCS XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said hospital collection services keep saying is accurate and they wont provide them with any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: LA

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. 

Account name : XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-12-21 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: LA

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. 

Account name : XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-12-21 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 — Investigation took more than 30 days
Company: ERC
State: FL

Complaint narrative:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.

Company response to consumer: Closed with explanation