vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Hello, To whom it may concern, I am writing this letter today out of desperation after using the ZELLE option available on my XXXX banking application. 
On XX/XX/2022 sent out {$1900.00} and {$1.00} in order to check if the account was correct but the person in question never answered my text messages and I proceeded to send the total amount needed for their services. 
On XX/XX/2022 sent out {$2000.00} and on XX/XX/XXXX sent out {$2000.00}. 
Total sent out {$5000.00}.

The party told me that they have never received the money. They claim that they do not have the money so I will not receive the services. 
I think that the money might have been sent to the wrong person by using the wrong phone number on ZELLE. Either way, I am being victim of a SCAM because the party that received the money is not returning it to me. 
After trying to contact ZELLE by phone and by email several months, finally I was told that I can not deal directly with ZELLE, that I need to call my bank XXXX which I used their services from. 
I called to file a claim with my bank XXXX and was given a reversal money payment on XX/XX/2022. I could not open the message on the XXXX application so, I thought that justice had been served and that I won the claim, I therefor transferred the money back to my savings account but on XX/XX/2022, XXXX reversed the money and took it back. I still have not received a claim status!!!! Now, my checking account is overdrawn and I was charged overdraft fees. 

I really need your help because ZELLE is refusing to cooperate with my bank XXXX, and I am not allowed to get the information of the person that kept my money to pursue them in civil court. 

Waiting for your return, Thank you so much, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IN

Complaint narrative:
On XX/XX/2022 consumer 's disputed with EQUIFAX the accuracy of all accounts for US DEPT OF EDUCATION student loans. ALL LOANS ARE PAID IN FULL with a {$0.00} BALANCE. EQUIFAX still has not honored consumer 's request and updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
Recently received a collection notice from Creditor 's Collection Service , Inc . They claim I owe a balance of {$75.00} to XXXX XXXX for a XXXX provided on XX/XX/2021 by " XXXX '' at XXXX XXXX. XXXX. XXXX. I have had numerous conversations and correspondence with their billing office, who assured me they would look into it. I have provided them with copies of checks and an online payment to prove I have made six payments of {$75.00} ( am also forwarding same to above referenced XXXX XXXX ). They continue to insist I owe them {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MD

Complaint narrative:
XXXX XXXX  XXXX keep sending wrong information and I keep getting different mails from different collection agencies trying to collect a debt including LJ ROSS and I dont recognize this debt, nor the amount owned. Im requesting debt validation which includes : Name and Address of Alleged Creditor, Alleged Account #, Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
On XX/XX/22, XXXX XXXX XXXX received a Cease and Desist from the consumer ( XXXX XXXX XXXX ) XXXX XXXX I invoked according to 15 USC 1692c ( c ) ( 2 ) my specified remedies as a federally protected consumer and I demanded all of the following including but not limited to : Stop collection on this fraudulent debt Report PAID IN FULL to all credit reporting agencies including but not limited to XXXX, XXXX, XXXX XXXX XXXX XXXX zeroed out every month Check for {$5000.00} for violations under FDCPA sent to my address above I initiated the Cease and Desist because after further review of the credit contract ; XXXX XXXX XXXX committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least ten point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand. The company failed to acknowledge that the finance charge is the total cost of consumer credit in dollar amount. The consumer is only entitled to finance charge.

Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this sub chapter or any regulations issued there under, otherwise fails to comply with any requirement imposed under this sub chapter shall be fined not XXXX than {$5000.00} or imprisoned not more than one year or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
XXXX is incorrectly billing me for XXXX service it did not provide. I requested that XXXX terminate my FIOS service starting XX/XX/21, as I was moving out of my apartment. My request was made on XX/XX/21 and I have an email from XXXX confirming service would be disconnected XX/XX/21 and that it would send a final bill reflecting service through the disconnect date ( attached ). However, XXXX is continuing to bill me for service from XX/XX/21 to XX/XX/21 ( attached ). I have repeatedly requested that XXXX provide an updated bill for the time period service was in effect, XX/XX/21 to XX/XX/21, but it has refused. Instead, XXXX is seeking to collect monies for services it never provided from XX/XX/21 to XX/XX/21. When I initially cancelled the service on XX/XX/21, the XXXX XXXX said I would need to wait a billing cycle for an updated bill reflecting service through only the disconnect date, as XXXX bills a month in advance, but I never received one. 

XXXX has now referred this matter to collection agencies and has reported the collections matter to the credit bureaus.

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 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is follow up of XXXX, because Truist misled me into use their bakance transfer offer, and refused to cancel the deal and refund interest they illegally charged me ; i returned all the money to the credit card last week, expecting tgem give me answer on the charges they should not have made on me ; without such response I managed to pay all that charge last night, although I don't agree to it, suppose my balance should be zero with this payment.

But to more negative surprise, the payment was not reflected on the account ( but marked as complete in my checking account ), they went to withdraw another {$210.00} on already zero balance account.

What is thus bank doing to serve customer other than charge and charge? This fraudulent deal had caused my big hardship, decrease of my credit score, why they are allowed to take time again and again, and make unjustifiable charge on old people? also CFPB us doing to protect people against such damage?

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 2022-09-27 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: VA

Complaint narrative:
Since May of 2022, I have put in many requests for investigative consumer report due to inaccuracies noticed on all 3 of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative means a consumer report '' or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous of times, I have tried doing investigative reports.

The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish account without my written instructions.

According to : 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. 

Account Name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX 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 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
I went to XXXX XXXX XXXX in XXXXXXXX XXXX for several months after being referred to them by another Chiropractor. Before going I confirmed they were in network with XXXX XXXX. The office is part of a medical network with XXXXXXXX XXXX that offers discounted rates to XXXX customers. After service was completed the office will not accept the discounted rates and are now trying to send me to collections for the full billing amount, and not the discounted rates Im entitled too. In addition to sending me to collections they have also placed a lien on my unsettled bodily injury claim for the full amount and not the discounted rates. This practice is deceiving and at the very most I should owe is the discounted progressive rates. Once I receive a correct invoice with how much I owe I can settle with them. This should be illegal as they are trying to seek more than they are owed from multiple different methods.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2022 I purchased XXXX XXXX  through the XXXX XXXX XXXX and paid via paypal. Amount XXXX. Seller never delivered the goods. 

I contacted XXXX, paypal and my bank. None of these businesses did anything to help with the problem. 

The paypal transaction is as follows : XXXX XXXX XX/XX/XXXX, XXXX.Money Sent - {$180.00} Your recipient should have the money by XX/XX/2022. 
Repeat this transaction Paid with {$180.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$180.00} Fee {$4.00} Total {$180.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 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: NJ

Complaint narrative:
And I have identified information on My consumer reports that result in identity Theft. These items are not transactions is completed by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ftc report number XXXX Ftc report 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 2022-09-27 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: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX pulled my credit report three times in XXXX of 2021, and I only applied once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX pulled my credit report three times in XXXXXXXX XXXX XXXX, and I only applied once.

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 2022-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: KS

Complaint narrative:
I received a letter dated XX/XX/XXXX after repeated phone calls and I told them I did not have an account with this bank in Missouri. They want me to pay a debt of {$1300.00} and the letter came from Glass Mountain Capital trying to collect a debt from XXXX XXXX XXXX XXXX. I want the collections to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My Credit card with XXXX Bank is NOT reporting to all the credit bureaus. XXXX, Trans Union and XXXX. THis is holding me back from relocating my home. Ive been having trouble with them reporting on a regular basis to all three bureaus since opening my account on XX/XX/2021. I've spoken to many agents at XXXX Bank and nobody there can seem to resolve my situation. Please help me to get them to report to all agencies to help my FICO scores/number with all three credit Bureaus.

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 2022-09-27 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2022 I disputed a charge on my chime credit card. 
On XX/XX/2022 Chime closed all of my accounts. 
On XX/XX/2022 I received an email from the chime dispute team notifying me that there was a billing error and that {$1600.00} was refunded into my account. However, said account is closed and Ive been calling and emailing daily to see where the money is, I am not receiving answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX formerly known as XXXX XXXX ) and I presently have a mortgage for my home through the mortgage providers known as XXXX  '' formally known as XXXX ''. To make regular payments on my mortgage, I Set up an online direct deposit on XX/XX/XXXX. This payment system ensures that not the 6th of each month, {$800.00} is to be distributed to XXXX. 

On XX/XX/XXXX, my mortgage was sold from XXXX to Specialized Loan Servicing ( SLS ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from SLS regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). Originally, it had appeared that the months of XXXX, XXXX, XXXX have not been transferred from XXXX  to SLS. All together, it totals an amount of {$2400.00}. I showed a copy of my bank history query which indicates each direct mortgage payment sent successfully to XXXX and was never retuned. 

After that, XXXX sent proof that they had successfully transferred the funds to Specialized Loan Servicing ( SLS ) I will include that letter to this message. 

Ive called SLS numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from SLS that would be greatly appreciated. 

I look forward to hearing from you. 

Sincerely, 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
Klima , Peters & Daly , P.A . Debt collector is trying to collect a debt which is not mine. Ive talked with them re the debtor who has the same name but a different address. They offered no solution. As in the past, they will sell the debt to another agency without changing the address and this 10 year cycle continues. 

Ref XXXX

Company response to consumer: Closed with explanation