vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was scammed by a woman who was renting me an apartment. She asked for {$1700.00} ( XX/XX/2022 ) over Zelle for the security deposit which I paid under the circumstances that this was a legitimate apartment. She refused to show me/tour the apartment and told me I could submit a document to get my funds back. She asked for more money and I said no if I cant see the apartment.I did submit this document and have emails from her starting under the circumstances I would get the money back. I have not received the money. I contacted Zelle because my bank couldn't dispute it. They refused to make an exception as I have a paper trail of this woman telling me I would get my money back, and because I was under the impression she was a reliable person until she scammed me. I have texted and emailed everyday and she has not responded. They told me that there was nothing that they could do despite the circumstances, and I was at fault for authorizing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2022-07-05 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 XXXX Account # 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 an 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 2022-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i am back to normal making regular payments on my car but because of the past 2 years of XXXX that many people such as myself are going thru, i am not able to catch up so my credit can be worked on properly. this affects my family and my future and bank of America does not care about the people and how this pandemic has affected their customers.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our company had a check altered and deposited into an XXXXXXXX XXXX from our Truist bank account. The check was for {$19000.00} dated XXXX XXXX Our checks have holograms, watermarks and are heat sensitive. We have been a bank customer of Sun Trust for over 30 years. We did not realize that the check was fraudulently deposited for over a month. We notified the bank on XX/XX/2022. We were never told by Sun trust Bank that we had 30 days to report a fraudulent check. In XXXX of this year Sun Trust became Truist Bank. Now after this fraud we are told that we had 30 days. They told us when we opened the account we were told. We opened the account with Sun Trust over 30 years ago. They do not know what Sun Trust told us when we opened the account. XXXX XXXXk accepted and deposited the check without doing their do diligence. It seems that it is too simple to forge a check and get it deposited and cleared. This is clearly a case of fraud. If the check was digitally deposited it would seem that it is a risk that the banks are taking is for their own expediency, not for the protection of the customer. Truist Bank has denied our claim because we did not notify them with in 30 days from when it was posted to our account.

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 2022-07-05 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: CA

Complaint narrative:
I sent in a dispute letter to Transunion on XX/XX/22 and as of XX/XX/22 I still have not received a response.

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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX is sending me to collections over a non existent debt. 

On XX/XX/2022 i purchased a XXXX XXXX XXXX XXXX XXXX' that costs {$30.00} ( XXXX dollars ). I paid with my debit card that same day. 

later on they billed me in XXXX different chargers and the XXXX XXXX XXXX XXXX XXXX. I paid in full the other part of the debt but i didn't paid for the XXXX because i thought it was a mistake. 
i tried to reach them over the phone several times but no one ever answered on their billing department. i tried calling the phone number listed in the medical bill to explain that this debt was paid in full the day of the service but no one ever answered me or return my call. 

On XXXX they billed me again just the charge for the XXXX XXXX XXXX XXXX XXXX for {$30.00}. At this point i contacted them over the phone to the billing department as well to the phone number in the bill. No answer, no call back. I even sent a dispute to their XXXX XXXX XXXX billing disputes and no answer. 

today XX/XX/2022 i found that they sent me to collections for a service that i already paid and i have bank statements showing that on XX/XX/2022 i paid in full. 

i contacted the collections agency and they were very kind and helpful. they asked me to email my proof and they put XXXX XXXX XXXX under investigation and they are waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
I transfered money using there pay anyone transfer, I entered the phone number that i was sending the money too and it was sent to someone else. They stated there was no error because that phone number is linked to that persons CHIME account. I sent them my phone bill to show that that is my phone number with the phone number and my name showing and account number but they stated that was not an error because that phone number is linked to that CHIME member it was {$1600.00} and it was my rent money. Please help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Butler and Associates, PA
State: KS

Complaint narrative:
On XX/XX/XXXX, I was sent a proof of garnishment order for a bill that was well outside of its legal ability to be collected on. In this letter sent was also confirmation that I was disputing the validity of the debt they are trying to collect on. 

The company who sent it was Butler and Associates , PA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. 

Phone number : ( XXXX ) XXXX All I know is the company name, the year it originated, and the total, but they have yet to prove that I owe this bill or show me a copy of the original bill. All I've received is a copy of their own journal entry, which is not sufficient. Also if this bill originated in XX/XX/XXXXas the information suggests, then they are well outside of the 5 years they had to collect, if I hadn't already paid it. Which I did with the first attorney listed below. 

It's original debt collector was XXXX XXXX XXXX, and it was paid through his office years ago. 

His business address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number is ( XXXX ) XXXX The debt should not have been sold to another collection agency and then garnished ( to be paid for twice! ). 

Worse yet, they took the money out of my son 's savings account for college. Yes my name is on his account, but it's not my money. It's his for college. That was a predatory move at best. 

I know that while collections are in dispute, they can not collect on it for 30 days. As of XX/XX/XXXX, the money was pulled. So over the course of a holiday weekend they did this. I'm still waiting for a proof of receipt from the original collectors office, which is expected in today 's mail, but I have not received it yet. I called Butler 's office but was required to leave a msg. I did so but have not heard back from them yet. 

The total pulled was {$1000.00} They had no right to pull these funds. I require they refund what they owe me. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. This proves that my credit was fraudulently used by someone other than myself. The active date is inaccurate and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 2022-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance opened an auto loan on my behalf using my personal information on XX/XX/XXXX. I already called this company ( XXXX ) XXXX and spoke with the supervisor named XXXX with ID # : XXXX and filed this as a fraud account. It is under investigation by them. Also I'm trying to file a police report. 
Exeter Finance sold this account to XXXX XXXX XXXX XXXX on XX/XX/XXXX being reported as a collection account to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX have 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 2022-07-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: GA

Complaint narrative:
The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late

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 2022-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Experian says '30 ' Account was never late

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 2022-07-05 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: FL

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. 
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 without 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 information 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 ) X1 ) 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.

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 2022-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute letter to Equifax dated XX/XX/22 and as of XX/XX/22 they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank took over my State Farm credit card which was XXXX XXXX interest since inception. Earlier this year, they mailed out a letter saying my rate was going up XXXX XXXX due to my credit report and their recent review. 

I complained to State Farm to no avail. Then I called US Bank and spoke with " XXXX XXXX '' by phone in the third week of XX/XX/XXXX. I stated I needed a copy of the letter which I could not locate in my home. It was recently received. In the phone call to this US bank employee, she denied the interest change was specific to my individual credit. She proclaimed all got a recent rise in an interest rate increase. 

I am supplying the letter as documentation that clearly proves the jump in my rate on my card ( as of XX/XX/XXXX ) was due to MY credit score and MY credit review by them. I am also enclosing their second fraudulent solicitation received by me stating any balance transfer I make right now will be at the lower XXXX XXXX rate. This is not true as the boost in rates applies to " all usage '' after XX/XX/XXXX '' as stated in the letter Upon further examination, I see that a prior balance transfer is crediting all my payments towards that transfer first when I have made them. The remaining balance on that XXXX balance transfer is only {$210.00}. This is not what I understood when I took the offer last year. They are prematurely paying off the zero interest balance about XXXX months early and letting interest stack up on all purchase balances. That seems illegal. If not, I am not sure it was disclosed. 

I have quit using the card and it is scheduled for payoff soon. I don't trust US bank after seeing how they market lies across state lines and their staff lies when you call in. They make it difficult to have a trail of correspondence. Only they can message you in their online app. They do not allow me to message them with this complaint of numerous infractions. 
So, since they don't allow written `` trail '' complaints online, I am complaining to you and the Arizona AG office next. Seeing illegal activity as I have found in their operations, what else are they doing illegal?

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have attempted to contact this agency multiple times at XXXX, as well as XXXX. I called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and twice at XXXX on Tuesday, XX/XX/2022 which is listed as open business hours, and keep getting a recording saying " we can not accept your call '' or " we are currently closed. ''

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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Medical debt went into collections on XX/XX/2022. Once I realized it had gone to collections, I paid it off on XX/XX/2022. It posted on XX/XX/XXXX per the debt collection agency. On XX/XX/2022, this debt reported as derogatory on my XXXX account. I called on XX/XX/XXXX to get them to correct the error and show it being paid in full so it would go ahead and fall off my credit. I expected it should take a few days for them to process the payment, I was just unsure why they reported the derogatory after I paid it and before the 6 month reporting window for XXXX XXXX debt was expired ( now extended to 12 months ). I was told by them that they were over a month behind on reporting to the agencies and it would be done by the end of XXXX. This has already damaged my credit score lowering it over 30 points, and I tried to get the collections agency to report it as paid in full so the bureau would remove it as per the new law and they stated it was company policy to report all XXXX XXXX debts within 30 to 35 days of receiving them and that their policy did not apply the 6 month ( now 12 month ) waiting period for medical debts as per federal law. Prior to all this, they failed to mail all required disclosures to my home address as they had the incorrect address so I was not notified until later.

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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Company claims my account had never been under a % 0 apr for purchases. However, please find attached the email which states otherwise

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 monetary relief