vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/year> I attempted to open a XXXX IRA with Merrill Lynch/Bank of America who I have several other trading accounts with. I was unemployed at the time. The bank asked me to confirm pre-populate information that had employer, annual income, and similar fields. I updated that I wasnt employed and also updated my income to the amount of employment income I expected to have for the year. If I wouldve just clicked yes to all the pre-populated and nolonger correct information, Merrill Lynch most likely would have just approved my account instantly. Instead in punishment for my being truthful they had an analyst single me out and treat me unfairly sticking their nose up my rear by asking how it could be that I would be single and have income but not be employed. I told Merrill Lynch objected to this indiscriminate fishing expedition. I told them instead they should have someone with enough analytical skills assess how what I stated could be true, then if need be update their questions for everyone rather than singling me out. They ignored me. I eventually reached out to Merrill Lynch management. As a retaliation for doing that, they sent me a letter stating that since I wouldnt cooperate with their fishing expedition regarding my new account, that they were going to close down my ability to trade on my other accounts. They subsequently ignored any requests for a 90 day period of time before they do so and as of XX/XX/XXXX theyve frozen all my trading on my accounts where I have active assets. Even while they are not allowing me to perform the functions of an independent trader, they are not assuming anything fiduciary responsibilities with regards to my assets that they are in affect deciding that I not be allowed to liquidate. 

I think it's wrong that this bank with its sordid history that includes providing without compulsion the date of anyone who rented a hotel in Virginia XX/XX/XXXX ( including people 6 hours away in coal country for work ) now demands information that XXXX, XXXX, and XXXX XXXX do not demand ; then singles people out for more inquiries for no good reason ; and finally makes defacto profit and loss decisions for investors while using no fiduciary judgement when it freezes accounts for no legitimate cause other than retaliation.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in lights of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my institution and Zelle failed to investigate my claim adequately. They informed me recovering lost funds were impossible and transactions were unfeasible.This lack of accountability and transparency is unacceptable and raises serious concerns about our safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Resurgent Capital Services/ LVNV # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Debt under 15 U.S.C. 1692g Dear Resurgent Capital Services, I am writing in response to your [ letter/communication ] dated [ XX/XX/XXXX ], which states that I owe a debt in the amount of {$630.00}. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, to dispute the validity of the debt and request verification. 

I do not believe that I owe this debt or the amount stated. As required under the FDCPA, please provide me with the following : The amount of the debt ; The name of the original creditor ; A detailed statement showing the breakdown of the debt, including any fees or interest charges that have been added ; A copy of the agreement or documentation that shows I am legally responsible for this debt. 
Please provide this verification within 30 days of your receipt of this letter. If you can not provide proper verification, I request that you cease further collection efforts regarding this matter. 

Until I receive proper verification of this debt, I am requesting that all collection activities be halted, and any negative information related to this debt be removed from my credit report. 

Thank you for your prompt attention to this matter. Please send all responses in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request assistance in updating my personal information with Transunion, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already attempted to update this information directly with Transunion but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Transunion is in violation of 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of Consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Transunion did not have Permissible purpose. They also did not have my written consent.

Transunion is in violation of 15 USC 1681b ( a ) ( 2 ). 

I, XXXX XXXX has contacted TRANSUNION Credit Bureau many times via certified letter and theyve failed to provide me with any requested forms that I have demanded! Ive requested for a reinvestigation and they have yet to properly do so. 

Under the FAIR CREDIT REPORTING ACT ( FCRA ), it governs the way consumer credit reports are accessed and how credit reporting agencies handle personal information. 

Under 15 USC 1681 ( i ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Transunion has NOT used the maximum possible accuracy to ensure that my ( consumer ) data has meets the correct standards. 
As a consumer, I have suffered mentally, physically and emotionally of the inaccuracies/ faulty practices of Transunion .

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am concerned with how Zelle handles disputes. I have reported discrepancies with my financial institution and to no avail I havent been able to get a resolution. This is concerning especially after learning about the complaints and this being a widely know issue. My bank has lied about investigating and also stating that funds were uncover-able and this is absolutely unacceptable. Reading up on. The this I a, finding out that the cfpb has discovered that Zelle has neglected their consumers and those who abused the system were not reprimanded which allows for more abuse its utterly absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was making a purchase and was asked to make the payment through Zelle. The seller was asking me to verify a code and when I refused to do so they had already received my payment. I called the bank and let them Know this had happened and they redirected me to call Zelle myself and see how they can help. Zelle refused to help me and I was told to just make sure next time before I pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The other day, I paid off a significant amount of my small credit balance on my card. I did this with another card also issued by Synchrony Financial and they almost immediately lowered my credit limit to increase the debt to credit ratio to nearly 99 %. They did this again with my XXXX card but this time they increased the debt to credit ratio to over 100 %. This is the second time they have systematically ruined my credit rating after I paid a significant portion of my debt. This should be illegal since their reason, that accounts are reviewed periodically or randomly, is not true since this is a statistical impossibility. I have a XXXX XXXX XXXX XXXX XXXX XXXX  and I did a back of the envelope calculation and it is likely that this is a discriminatory or systematic action that keeps a consumers credit rating low. This is not legal.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation my information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is : ( XXXX ) XXXX, DELETE any and all other phone numbers. 

I DEMAND my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX XXXX, BY : XXXX, XXXX XXXXAgent FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle, failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly, in light of of recent CFPB lawsuit highlighting significant issues with the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concern about Zelle handling of disputes. In light of the recent CFPB lawsuit concerning the issues with the platform. I have had various discrepancies and my financial institution and zelle failed to investigate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to repeat exploiting the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly on light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation