vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have paid this off in full and provided the company with the wire information but they put this account in collections and continue to contact me. This is illegal. They have not provided anything saying this debt is still a debt. It was paid in full and proof was provided. What theyre doing is illegal They tried to to collect charges in addition to the debt unless they are allowed by the contract or state law Communicate with you about a debt by postcard Use any language or symbol on an envelope for correspondence with you ( other than its address ) that indicates it is a debt collector Tip : Keep good records of your communications with a debt collector. 


This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: ND

Complaint narrative:
I have hard inquires on my credit report that are not mine. These are the companies reporting false information XXXX XXXX XXXX First Interstate Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested that the company XXXX XXXX  XXXX, XXXX provide me with documentation that I owe them the debt that they are collecting for on XXXX and Experian. I have sent a response to them in reference to the documentation they provided on XX/XX/2022. They did not respond to this letter and have chosen to ignore the matter while still reporting erroneous information to my credit files with XXXX and Experian. I request that XXXX and Experian effectively remove this collection from my respective reports as they have failed to respond appropriately to my request on XX/XX/2022 and are violating the FCRA by doing so. See below for the claim I have submitted to XXXX XXXXt XXXX XXXX XXXX through the CFPB XX/XX/2022. 

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe XXXX XXXX  XXXX, XXXX money. However, the documentation sent to me refers to an Internet, TV, and Phone company named WOW. I sent a letter to XXXX XXXX  XXXX XXXX XXXX on XXXX, requesting they provide me evidence that I owe XXXX XXXX XXXX XXXX money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and Experian. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and Experian. I have not been provided proper documentation showing that I owe XXXX XXXX  XXXX, XXXX anything, and they have not responded to my letter for over 45 days.

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB Card Services XX/XX/2022. Someone tried applying for credit card. Received letter in mail stating I wasnt approved for card. Did not apply for one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
In accordance with the Fair Credit XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX  XXXX, XXXX and XXXX XXXX 15U.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

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 2022-03-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Made 2 online purchases with XXXX on the same day. First one was ok, second one we received a fraud alert, asking if we authorized the purchase. We replied that we did, and was told the charge was denied by Chase, and if we still wanted the item, we would have to repurchase. 
Why would Chase tell me to authorize another purchase with the same vendor that they consider fraudulent? 
Since we thought the charge was denied, we repurchased with another vendor, only to find out that the original charge with XXXX went through. Why would chase allow this vendor to re-submit the charge if Chase thought it was fraudulent? 
Was told by someone in Fraud Department that they could not take the XXXX charge off, and we had to talk to the dispute department. The dispute department told me to talk to the fraud department. Both said I would have to contact XXXX for a refund. 
Why do I have to dispute a charge I authorized in the first place and the burden falls on us to resolve this, when it was their fault. Had to drive XXXX XXXX round trip to XXXX ( we live in a rural area ). Hopefully they will cooperate but I have to wait to hear from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Said I do not have to pay this month bill due to hurricane damage on phone bill and 2 year later after disconnected from service saying I still owe for that month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Theres are 2 closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided

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 2022-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My auto loan was originated with Sun Trust bank in XX/XX/XXXX. At the time, I setup a monthly recurring payment to cover my required balance through Sun Trust 's online portal. During late XXXX, I was notified via mail my loan would be migrating to Truist and was directed to create a new online account on their website. This letter also advised that any recurring payment plans setup through Sun Trust would not migrate over to Truist 's website and needed to be re-established. The letter advised this transition would occur at the end of XX/XX/XXXX. 

In XXXX, I logged in to Truist 's website, registered a new online account and setup a new monthly recurring payment plan. The website did not indicate or note that any existing payment plans were in place. In early XXXX, I checked my banking account with XXXX  XXXX XXXX and noticed two recurring payments had been withdrawn in the amount of {$310.00}. I immediately attempted to call Truist, but was advised the hold time would be over 60 minutes. Unable to wait this long, I tried again the next day, but the hold time again was over 60 minutes long without any sort of way to expedite. 

I attempted to reach out to Truist via XXXX and was offered a call back, however no time was provided and this attempt was made while I was working and unavailable. 

To try and fix this issue, I logged into my account in early XXXX and attempted to modify the existing recurring payment plans. Upon logging in, no payment plans were listed despite two payments being withdrawn. I did see my banking information listed through so I deleted it from the site. Upon deleting this information, I received a note indicating two pending payments ( for XXXX ) would also be deleted. This note was received despite no pending payments appearing. I continued with this action and received confirmation my banking information had been removed. 

At the end of XXXX, I again checked my XXXX XXXX XXXX checking account and noticed two recurring payments had again been taken out for {$310.00}. When logging into my online account now, I was able to see a log of all payments taken ( which wasn't the case before ). I deleted all pending/upcoming payments, but remain concerned that this won't be successful. I was able to get a hold of someone after a one hour wait on XX/XX/XXXX. They confirmed two refund checks would be mailed within the next XXXX days and no future recurring payments would occur. I am hopeful this will resolve my issue, but remain concerned that deleted payment information remained accessible for Truist to draw payments from.

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 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glasser and Glasser, PLC
State: CA

Complaint narrative:
This company violated the following Try to collect charges in addition to the debt Communicate with you about a debt by postcard This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. 

This company violated the following : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When I use a free ATM, the one at kwik trip at XXXX XXXX XXXX and XXXX. WellsFargo " reimburses '' me an ATM fee of 4 dollars. The ATM is free, there is no fee. so there is no fee to reimburse. I should not be getting 4 dollars from Wells Fargo every time I use the ATM. 

I tried talking to the staff at my local branch they say they know of the problem but they can not fix it and that I should be quiet. It seems very suspicious to me. 

I have heard news stories of people getting money deposited into their accounts they should not be getting. and then getting in trouble with the law. So I have stopped using the ATM. And need to make sure wells Fargo takes back the money they have falsely given me.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One main financial has very aggressive tactics to collect loan payment. Even if a payment has been scheduled, they will call and harrass you non stop until the scheduled payment posts. 

On XX/XX/22 I found XXXX missed calls from XXXX. Most were after XXXX PM and in very quick succession. 
( EST time ) XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: ME

Complaint narrative:
I started to use Revolut app about a month ago. Also signed up for premium. 

At first I attempted an exchange and was charged a large fee, so I inquired and was told I was advised to sign up for premium membership. 
Then I attempted another exchange today, I noticed after the transfer that I was charged a large fee ( XXXX $ ) again without any clear notice of the same. This was contrary to what I expected as I was told by customer service to get premium to avoid fees. 

Then when I reach out to customer service, I get an explanation that this was a weekend charge. I did not see a fee displayed prior to the exchange. I attempted to bring up the same screen to see how the exchange makes it clear that there would be a fee. Heres what I discovered - REVOLUT INTENTIONALLY HIDES THE FEES BELOW THE BRIGHT BLUE EXCHANGE CURRENCY BUTTON.

This is clearly intentionally deceptive and fraudulent. I've requested a call from a manager and was told they don't allow speaking with customer service and must rely on chat feature in the app, who are not helpful at all. 

Attached is a picture of your app clearly showing the deception at work. 

Thanks for your attention to resolving this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time. 

In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines. 

The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX  XXXX  XXXX  '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request 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 2022-03-26 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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

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 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-03-26 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: MD

Complaint narrative:
We had phone service since XXXX and were never late with a payment. Around XX/XX/XXXX our service stopped working. We called XXXX and told them we didn't have service but instead of fixing service we want to cancel. The next month we received a bill for service we did not have. We called again and were unable to get the issue resolved. The following month another bill arrived for service we did not have. After several months we finally got the point across but XXXX insisted we pay for all the back months for service we reported as non-operational. We said no, explained why so the bill ( {$110.00} ) went to a collection agency. When the agency called we agreed to pay for 1 month sent a check and the matter was closed. Experian only had XXXX and XXXX on our credit report so it looks like we got servc ie and NEVER paid a single bill. We had phone service since XXXX, paid every bill ON TIME until the dispute. Experian only showed our XXXX account XXXX - XXXX when we had the dispute.

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 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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