vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I've been receiving calls from a number of different phone numbers claiming to be from Harris & Harris to try and collect debt. However, they have provided no information to let me know if they are legitimate or who the debt is from. When talking to one of their representatives, they hung up when I asked for any information to validate it was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had been paying extra each month on my balance at XXXX 's to finally pay it off. On XX/XX/year>2024, I paid the final amount of {$530.00} which gave me a XXXX balance. Yet on XX/XX/XXXX, they charged me {$8.00} for a interest payment. I called and the representative informed me that there was a recent change in their policy and that additional interest charge would be due regardless of whether I paid off the account or not. I asked them to close my account because this has never happened to me before. Once I paid a debt in full there are no additional charges. This seems to be an unfair practice as I made extra payments just to get out of debt.

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: NY

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 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. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have tried numerous times to get inaccurate personal information off of my XXXX, Transunion and XXXX credit reports. I have sent out many dispute letters and the information is still on my report. According to my fair credit rights I am requesting that the information is deleted off of my report. I also am aware of XXXX facing a lawsuit because they are not actively and efficiently looking into consumer disputes.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried numerous times to get inaccurate personal information off of my XXXX, XXXX and Equifax credit reports. I have sent out many dispute letters and the information is still on my report. According to my fair credit rights I am requesting that the information is deleted off of my report. I also am aware of XXXX facing a lawsuit because they are not actively and efficiently looking into consumer disputes.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I purchased a vehicle with through credit acceptance company. With this purchase I also purchased a warranty covering the vehicle through XXXX XXXX XXXX  which is said to be part of credit acceptance company. When my vehicle came to need repaired the warranty company denied my repairs stating there was an incorrect tire size on the vehicle however the tires on the vehicle were purchased on the vehicle, I had never made any alterations to the vehicle itself. I had spoken multiple times with credit acceptance explaining to them that I needed help because I had purchased the vehicle through them and the warranty and they offered to help me. I did everything I was asked by the warranty company to have my vehicle covered for the repairs however I made no progress, they continued to deny the repairs. I then came to find out that Credit acceptance is responsible for the warranty on the vehicle. Credit acceptance after offering to help me then tells me that I am out of luck and that it is my problem. I was not responsible for any of the issues. I purchased a vehicle, I never made any alterations to the vehicle, and I purchased the warranty as well yet credit acceptance refuses to honor my warranty. This company is scamming people out of money by selling a warranty and then not honoring the warranty without any fault to the consumer.

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: CA

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 also has 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
SP Servicing has been overcharging on taxes and insurance. They don't return phone calls and refuse to let me talk to a supervisor. I have reached out to a HUD Counselor in the XXXX XXXX by the name of XXXX XXXX. They give her the run around for the last XXXX weeks. Starting with the XX/XX/XXXX payment they are overcharging by XXXX monthly. The record indicates that I have paid all the taxes that were due for XXXX for the exception of XXXX. I talked to a relationship manager, then to a supervisor named XXXX, employee id number XXXX. She was supposed to refer me to a manager, but then came back to phone and said manager will call me back today, XX/XX/XXXX. I will not be surprised if they don't call back. Just like they claimed they called me on XX/XX/XXXX, but if they did they did not leave message.

Company public response: Company believes complaint is the result of an isolated error
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-16 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: FL

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.

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 service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle, there have been transactions that have been sent to the wrong account and I was not able to get it back or it was sent in a scam. XXXX XXXX advised me that they could not do anything about it. This was prior to them adding the confirmation page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating this is a debt collector. I requested a letter of validation with my wet signature. I received a letter with a copy of judgment which was filed XX/XX/XXXX from XXXX 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your immediate intervention regarding a grievous matter involving Equifax, which has consistently failed to adhere to its obligations in maintaining the accuracy and integrity of consumer information. My repeated requests for a thorough investigation into my public information have been met with negligence, resulting in significant violations of my rights. 

Equifax 's inadequacy in conducting a proper investigation into my consumer report has not only undermined my privacy rights but has also led to the dissemination of information that is both inaccurate and misleading. Despite my clear requests for the removal of this erroneous information, Equifax continues to furnish and report data that does not pertain to me. This blatant disregard for accuracy and consumer rights is unacceptable. 

The financial repercussions of these inaccuracies are profound. Equifax 's actions have hindered my ability to secure essential financial services, thereby affecting my capacity to provide for my family during these already challenging times. The persistence of this situation is not merely an inconvenience ; it is a direct attack on my financial freedoms and well-being. 

Moreover, I am deeply concerned about the potential for my personal information to be exploited without my consent or knowledge. Equifax 's role in this matter appears increasingly precarious, as it perpetuates a system that discredits the very foundations of the banking system established long before my existence. 

I implore the CFPB to hold Equifax accountable for its gross mishandling of consumer information. The impact of their negligence is not simply bureaucratic ; it is a significant barrier to the quality of life that every citizen deserves. Action must be taken to rectify these inaccuracies and restore my rights as a consumer. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and the necessary actions that will be taken to address this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

Complaint narrative:
Pinnacle XXXX  XXXX XXXX owns my mortgage for land on the XXXX XXXX. I have a fixed rate mortgage yet the interest payment hasn't reduced in months despite the principle owed has gone done. I called them about it and they made no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: V and H Portfolio
State: GA

Complaint narrative:
XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take.

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially 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 Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency 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 — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have used Venmo for years without any issue. I use it to pay/receive money with friends and family. I have never had any fraud issues. On XX/XX/year> I saw an email from them saying my account was permanently closed due to a violation of their terms of service. This made no sense to me. Right after that ( both time stamped at the same exact time ) I got another email saying they needed me to upload my drivers license for verification so my account could be verified. I did that right away. Today on XX/XX/year> I receive an email saying they arent changing their decision to close my account and that I can not open a new one. When asked to why and what part of the terms of service I violated they stated they can not tell me that information so I cant even defend myself or ask that they look at my account again. I have several amounts of money that are scheduled to be put in there that will get kicked back and I have no way of changing that info with some of the companies or people depositing. I simply want to know what I did wrong and since Im confident I didnt do anything Id like my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hello, hoping to resolve this matter the account Ally Financial XXXX I notice some errors reporting and I am unsure of its proper reporting. I was never informed about these issues Kindly fix these errors.

Company response to consumer: Closed with explanation