vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: AR

Complaint narrative:
I opened a savings account with Popular Direct, a subsidiary of Popular Bank, on XX/XX/XXXX of 2023. I proceeded to fund the account with {$5000.00}, which was well beyond the required {$100.00}. The funds were marked as received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail, postmarked on XX/XX/XXXX, that informed me that my account would be closed " pursuant to the terms and conditions set forth in the Personal Banking Disclosure and Agreement ''. The letter went on to state that " as of the date of this letter, the total balance in the Account is {$100.00} ''. Not only was the letter postmarked on the same day that I funded the account, but the account balance described in the letter was inaccurate. These facts made me suspicious, so I called Popular Direct 's customer service. I provided my account number and personal information in order to verify ownership of the account. I asked the representative to look into why my account was to be closed. After being placed on hold for approximately 8 minutes, I was informed that my account was being closed and that he could not provide me any information as to why due to " bank policy and security reasons ''. Despite the strange circumstances, I attempted to further understand the reasoning and inquire about the timing for receiving my deposit. He again placed me on hold, and when he returned, he informed me that the closure would be processed on XX/XX/XXXX, and that the money and a letter detailing the closure would not be returned to me until 7-10 business days after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity of a debt currently being reported by Midland Credit Management on my credit report. l am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX. There is no contractual agreement between me and the collection agency, and I have not received any verification of the debt 's validity. 

On XX/XX/2023, I received a communication from Midland Credit Management Inc stating that I owe a debt in the amount of {$1300.00}. However, I have not entered into any contractual agreement with Midland Credit Management, nor have I received any communication from them regarding the alleged debt before that date or the original contract as requested. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon my request. I kindly request that you thoroughly investigate this matter and require Midland Credit Management to provide the following information : 1. Documentation of Original Agreement : I request the collection agency to provide a copy of the original contract or agreement, demonstrating that I am legally obligated to pay the alleged debt. 

2. Documentation of Contract/Agreement with Midland Credit Management that I owe the collection Agency this debt. I did not sign any paperwork or contract with Midland Credit Management Inc. 



As of now, I have not been presented with any evidence validating the legitimacy of the debt. Therefore, I urge the CFPB to thoroughly investigate this matter and ensure that Midland Credit Management is in compliance with all applicable laws and regulations. 

I request that any negative reporting of this debt be suspended on my credit report until the investigation is complete, as the accuracy of this information is disputed. 

Please acknowledge receipt of this dispute letter and inform me of the progress of the investigation. I expect your timely response within 15 days from the receipt of this letter, as stipulated by the FDCPA. 

Thank you for your prompt attention to this matter. I trust that the CFPB will diligently address this dispute and ensure that my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I did an instant deposit of {$120.00} fro. CashApp to an unauthorized bank account. I have no idea how this bank account was on my CashApp account ; I've only had one bank for a very long time. They had the capability to refund and return the money but refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The previous dispute was not sent for a response, it was not found in the email. XXXX XXXX XXXXXXXX XXXX and during the period of " late payments ''. I was under the IL state program for financial assistance. In which the bank failed to communicate with the sate for payments over an extended period of time. I called to check and was told several times that the late payment won't post, as I was approved by the state assistance program and the BANK had to only process their end to receive the payment. The bank falsely lied to me on multiple occasions and still reported the late payment, even after being told by two people that it wouldn't be reported, as the STATE was paying the bill and already approved the payments. 

I want the records from the bank to prove that it was on them, why the payments were late and yet to receive a call back about the issue, after a few years of waiting and calling back to check again for the request. They continuously falsify statements over the phone and claim someone will call me back, when no one does. 

Under this own complaints departments - If a mortgage lender refuses or causes a payment to be late under their own authority or issues. Then the customer is not liable. At this time, The bank held a check for multiple weeks after it was mailed in 2017. Then continued to " wait for the point of contact '' to deal with the state after I was already approved for mortgage assistance. That's a banking policy issues and there is no liability or fault by the customer for the failure of the bank to find ways to accept or find the payment that was sent.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I received a message/alert on my phone that my credit card was reported stolen and the card was closed. I did not report my card as stolen as it was safely in my wallet and hadn't moved. I called the company same day ( Prosper ) to report the incident as a mistake/error in their system and asked for my card to be reactivated. They said they would and to give it 7-10 days. Nothing happened, my card was still showing closed. I called back weekly, every time I was told they were escalating the issue and they would re-open the card. Nothing happened. XXXX came and went. XXXX I saw that they completely removed the CC from my online portal. It said I had no cards with them. I called again the first week in XXXX and asked what to do to find a solution? They said they would re-issue a new CC and mail it to me in XXXX days. It's XX/XX/XXXX and still no card showing online and nothing came in the mail. I called today and they said no replacement card was ever ordered and I need to process a replacement all over again. It's been almost 2 months with no resolution in sight and I'm at a loss with what to do? I haven't been able to use my credit line and I never did anything wrong. The card was paid off and in good standings. Please help.

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 2023-07-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On or around XX/XX/2023 TRANSUNION RETALIATED against me by lowering my credit score another ( XXXX points ) after I submitted a complaint to the CFPB after they ERRONEOUSLY lowered my score by ( XXXX points or more ) earlier this month. In addition, TRANSUNION Is still displaying old, inaccurate information is still showing up on my consumer report, including my NAME. 

UPDATE MY CREDIT SCORE TO ( XXXX ) PLEASE SEE THE ATTACHED LETTER

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 2023-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank is engaged in unfair and deceptive practices i have a XXXX savings account -- i lowered the balance and got hit with a sevice fee was told the mimium balance sghould be XXXX per month they did waive it after multiple calls and horrendous time with their VRU the udap is that the service fee is not on their public fee scheduled -- because its an old account the next month, with the XXXX balance i got another service fee this time i got it waived again but was told the minimum balance is XXXX  i raised my balance again to meet that -- but have not idea what the balance should be to avoid a fee The PNC representatives are clueless -- warn me they wont waive fees again but wont give me a fee schedule for my fee ( XXXX ) -- i spent almost a half hour to resolve this this month and over an hour last -- They engage in practices harmful to consumers and make it difficult to address

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 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: DISCOVER BANK
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. I have attached proof that the reporting is inaccurate on all of them. the discrepancies are circled in XXXX. I have never been late on these accounts. 

XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX  XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXXXXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

if you conducted a thorough investigation, I request you provide full method of verification : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

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 2023-07-21 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: CA

Complaint narrative:
This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. I have attached proof that the reporting is inaccurate on all of them. the discrepancies are circled in XXXX. I have never been late on these accounts. 

XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXXXXXX XXXX  XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXXXXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

if you conducted a thorough investigation, I request you provide full method of verification : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I deposited a check from a company I worked for into the account in the amount of {$680.00} on XX/XX/2023 into my Chase Checking Account. Later I tried to XXXX myself some money to my other account in the amount of {$1000.00} on XX/XX/2023 and my account was working until then. It tripped some issue and they wanted to verify the check from the XXXX and locked my account down. I gave them the phone number of that business but they said it wasn't in their " verified '' system. I told them to XXXX the business and call the number they find they said it doesn't work that way. One of the representatives told me they would close the account down in a few weeks and send me a check for the funds not under investigation, but I haven't received any contact for 2 weeks. I called back and they said their account closure may take up to 2 years. How are they holding my money for 2 years? why can't they just resend the money that was received from the check to the account it was received from and release the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Zions Debt Holdings
State: CA

Complaint narrative:
Zions Debt Holdings # XXXX : I did NOT open this account nor give authorization to anyone to open this account on my behalf. This credit reporting is either fraud or a mixed file. I have filed a claim with the police dept. and the FDIC, please see attached. Upon taking matters into my own hands, it appears that someone either used my information to gain goods OR the credit bureaus got the wrong person that has the same name. I contacted the original creditor " XXXX XXXX XXXX '' and they provided me with a copy of the original sale contract. Please see attached. The goods from this company were purchased for a business called " XXXX XXXX XXXX  '' which I do NOT own or have ever done business with. I have never associated myself with the address that is on the sales contract. The phone number on the sales contract is not mine as well. This is a clear mix up or fraud. Please delete this erroneous reporting from my credit asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Ive been approached by Portfolio Recovery Assoiciates, LLC multiple times regarding 4 debt collection accounts that all pass the statue of limitations and expired. They keep reaching out to me to collect the debt. I have been sending letter and disputing it with XXXX XXXX XXXX XXXX to get it removed on my credit report but nothing. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation