vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: CO

Complaint narrative:
On XXXX XXXX I sent {$930.00} using Zelle through XXXX. to XXXX XXXX XXXX for XXXX tickets. His email XXXX. I contacted XXXX XXXX afterwards to report scam & request info I could contact him or his bank. I received screen prints from their trace with all the pertinent information eradicated. I went into my local branch and no, they could not give me any of his info for his privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX in XXXX Colorado failed to bill the correct insurance company, When I checked in for the XXXX, I was clear not to bill XXXX because the VA sent me to get this XXXX, so it is 100 % covered. This error on their behalf caused them to get a payment of {$780.00} verses the full amount. I then contacted them on numerous occasions with the information on who to bill along with the authorization number for the case file. But they failed to do correctly so instead sent me to collections. So this continuous lack of attention with billing correctly has me with a debt collection. I provided the information that XXXX XXXX provided each time I called, I called both the VA and XXXX XXXX  and was under the impression this was paid since I gave them the information they needed. My VA XXXX XXXX point of contact tried to contact them to assist in payment of this bill as well. They can only wait on the line a limited time, so both times they were denied the ability to wait on the line. At some point I am starting to feel some discrimination against me because they aren't billing the VA for the full amount and choosing to want payment from me personally. Sending for debt collection is a clear indicator they aren't interested in billing it correctly for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: AL

Complaint narrative:
There are two closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX rep was started in a state I dont even live in GEORGIA so Im not sure how it was verified as me. The XXXX account is closed and needs to be removed. I have sent off letters for VALIDATION ( XXXX XXXX info ) before and have sent more dispute letters today which should be received by THURSDAY this week. These closed accounts should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing a complaint because the Credit Bureau TransUnion has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX {$590.00} account number : 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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/2019, I went on a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Before I left for the trip, I called XXXX and made arrangements for the at sea rates. I have some of the text messages of the rate agreement. I have some of the text messages of my concerns of being charged regular rates. I was told that I would not be charged that rate. At the end of the trip, I was charged I repeatedly tried to get it adjusted to the agreed upon rate, to no avail. It has been sold to a collection agency. 
I have been affected in so many ways by this. I was in XXXX XXXX XXXX XXXX XXXX, due to XXXX. Besides XXXX XXXX I have XXXX XXXX as a result. I wrote XXXX as well as the collection agency. It it now on my credit report as a collection. 
I have several letters that have been submitted. I have text messages. I will only upload a sample of what I have sent. Please contact me if you need more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the following creditors have violated my rights : 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 15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the following creditors have violated my rights : ( 1 ) XXXX - Acct # XXXX ( 2 ) Office of the Atty General - Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct XXXX XXXX ( 4 ) XXXX XXXX XXXX - Acct XXXX XXXX ( 5 ) 15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for 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 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: NY

Complaint narrative:
They send me a letter with a collection debt, I can not afford to pay that amount, and they keep calling me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My complaint involves the 3 credit reporting agency they are reporting old or outdated info which affects my credit score and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than 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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and these accounts reporting to my credit are making it hard for me to move please delete any account that is not reporting properly to my credit so I can move this is affecting my life. Please also update my personal information

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 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on vacation with my wife and suddenly our bank account was sending money to people we dont know. People in XXXX XXXX and XXXX and other places. I complained to the bank and they said it was thru XXXX and that it is totally secure so it had to be me. 
I never send thousands of dollars to strangers, let alone my own family. Im out {$2000.00} for 6 months now and I just learned about you guys. Please tell Chase to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I have no knowledge of these accounts that are reporting to my consumer report. 

NAME OF ACCOUNT : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: VA

Complaint narrative:
Pro-collect made an inquiry against me damaging my credit on a debt that is not legitimate and in dispute ( an extra XXXX} ). I paid my balance in full on the exit of my apartment complex when I turned in the keys and was told I had zero balance which was also shown in the resident portal ( Elements of XXXX XXXX in Florida, which is owned by XXXX properties, but they sent me a bill going through the wrong date ( a week later than the correct date. My last day was confirmed as XX/XX/XXXX which I have a signed sheet saying and provided it to procollect. The bill they are looking at does not provide an explanation, but they won't give it the time of day to look into it. I asked for them to provide some documentation to show that I owe the debt but refused to reason with me. The entire alleged date all rests on the date they have not matching the date I have on my signed sheet. The Property Manager and Assistant property manager who I was working with no longer work there. The amount generated on my exit was paid by money order and shown in my bank statement screen shoot attached.

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 2022-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Much like all Americans I fell into hardship during the pandemic. I lost my husband during this time and there was much emotional damage and financial hardship. I fell behind and ended up in foreclosure. I then hired an attorney to help me try to save my home. My attorney 's office called my lender on XX/XX/XXXX. The lender advised that my loan was modified in XXXX and no COVID forbearance. My attorney 's office asked if my lender had made me aware of my options regarding COVID assistance for my FHA loan. My lender said they don't know if any correspondence was sent out. I am very upset that I may have ended up in foreclosure after losing my husband due only to my lender 's decision not to tell me of programs that would have helped. My attorney 's office also told me that FHA has post COVID assistance that I could have qualified for. I would like to know why my lender withheld information that could have helped me. Thank you.

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 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I paid off this debt in a settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and these accounts reporting to my credit are making it hard for me to move please delete any account that is not reporting properly to my credit so I can move this is affecting my life. Please also update my personal information

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 2022-12-05 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 XXXX XXXX XXXX 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 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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to unfreeze my credit report using TransUnion 's online site. I got an error message saying " Unknown '' and that the service was temporarily unavailable. When I called the number listed for immediate service, I was sent through a phone tree to verify information. That was unable to unfreeze my account, and it sent me to a person at a call center. This person said that the system had recorded multiple attempts to unfreeze and would not allow any additional attempts for 24 hours. The person on the phone referred me to their paid service which she said could activate it immediately. Every time over the past 2 years that I have tried to unfreeze my credit with TransUnion the web portal is " temporarily unavailable. '' This seems to me to be a blatant attempt to make dealing with their company through these channels so annoying that people will sign up for their paid service.

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 2022-12-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing on my account! I demand this hard inquiry removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hard inquiry from jc penny/ Synchrony Bank XXXX I sent them letters by mail and called them XX/XX/2022, XXXX, XXXX, XX/XX/2022, XX/XX/2022 and XX/XX/2022 each time filed with thier XXXX department about this hard inquiry on my credit report and they keep telling me it will be removed and they have sent reports to XX/XX/XXXXto remove it. XXXX said they have no reports from them to remove it and I need to contact jc penny to have it removed. I have done this over and over for 6 months. Also sent certified letters to XX/XX/XXXX, that the post office has receipt and proof they received but XXXX reps say nothing is in the system. Apparently they lost the letters after the received them. XXXX also says they can't prove it was me sending the certified letters, even though the letters included copy of my driver ID, copy of my Social security card, copy of my birth certificate and included other personal information.

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 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
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 : SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in formation 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.

They dont even have the complete account numbers listed but placed accounts on my experian, transunion , and equifax report hurting my credit and listing debts and i reported the identity theft but they never removed the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I received a email confirmation of having a credit with XXXX XXXX in the amount of {$330.00} of tickets I have bought on XXXX and I was told I have till XXXX to use About XXXX weeks ago from today 's date I called XXXX  to book and they told me I dont have any credit. I right away call BOA to file a dispute in regards to this matter I received a letter dated XXXX from BOA saying I have been denied. I called them and I asked why is that, they said you only have 60 days to file.Its usually 1 year but still I did not know AA lied to me so how could I have filed within the 60 days.Its not my problem and not my fault. 
The 60 day rule is a man made rule and exceptions can be made in certain circumstances like mine that I was lied to. 
BOA can easily refund me and take my side because I am right and have the hard evidence on hand.

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