vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB, I always come to you for my issues and you've never failed to disappoint me. Actually issue is that I sent money via XXXX to a business for some goods that I placed order for. However later on that business stopped responding to my texts and then blocked me. I tried to do the dispute with the bank ( Truist ) but there was no assistance provided since it was a XXXX transaction. I want your help in launching this dispute with the bank. I am happy to provide any evidence they will be needing. 

Thanks and looking forward to your assistance here. 

Regards, 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 2022-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
Three times First Tech Federal Credit Union have applied my car payment to another account. One time theyve even reported me to the credit bureau. I received a late payment letter. When I called them to tell them that I made the payment a week earlier than the due date, it took them 2 weeks to apply my payment to the correct account. They had to send a letter of correction to the credit bureau. They charged me extra fees saying that I needed to put back {$3.00} in a share account. I asked them why should I send and extra {$3.00}. When my payment is {$390.00} and many times Ive written the check for {$370.00}. Ive never seen this extra amount applied to my car loan. I sent the extra {$3.00} but when I went to a location to pay my XX/XX/2022 payment, I was told that I still owed the extra money. Every monthly I have to call to make sure theyve applied my payment to my auto loan. Im really tired of having to argue with them over the phone about their mistakes. I cant help but to think that theres something wrong going on. They never gave me a reasonable answer about the {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was offered an online job from XXXX. The " HR '' manager contacted me and informed me that a check was going to be issued to me from XXXX XXXX in the amount of {$1700.00} and for me to send the money via XXXX  to " vendors '' for office equipment and that I was to keep {$200.00} for a hire on bonus. Once I deposited the check, Chase bank told me it was good. I dispersed the funds to the people I was told to send the money to and a day later, the bank took the money back stating that the check had been altered. this all occurred on XXXX and XXXX. I have contacted Chase bank and they said there was nothing they could do since I used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MI

Complaint narrative:
in accordance with the fain Credit Reporting act XXXX Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-08-30 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: MI

Complaint narrative:
in accordance with the fain Credit Reporting act XXXX Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was scammed on a job site. I was sent a check that was not a good check. I was asked to send money over XXXX and then it clicked the check was a scam. Wells Fargo will not work with me on the check not being owed to the bank by myself. XXXX is investigating the transfer. I need Wells Fargo to make my account good again and show I don't owe them money.

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 2022-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: TX

Complaint narrative:
I signed a contract with drive time on XX/XX/22 and was never given 2 copies of information informing me of might rights to rescind. As if they were intentionally misleading me. I recently submitted a affidavit of rescission to drive time at XXXX XXXX XXXX XXXX XXXX fl XXXX on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
They call me once or twice a day from various different phone numbers with KY area codes/the same area code as my own number. It has been happening for weeks. They've also tried texting me repeatedly. I'm a full time XXXX XXXX and part time worker with XXXX  and various other XXXX XXXX XXXX. They call me over and over when I'm trying to focus and get my work done which is hard enough on its own just due to my XXXX  and other issues. It's really becoming an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AmeriCollect
State: FL

Complaint narrative:
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have credit monitoring with Experian set on XXXX XXXX. I have been billed twice for the same service for several months. I noticed this when I checked my account and saw one transaction processed on XX/XX/XXXX for XXXX and another transaction for the same amount processed on XX/XX/XXXX. I have had this monitoring since XXXX. They started billing me twice on fluctuating days starting in XX/XX/XXXX. My calculations is over {$450.00} in unauthorized payments. I am going to check with my bank to see if I can get a more thorough accounting. However, I have statements to back up the duplicate billing since XX/XX/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 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc.
State: MI

Complaint narrative:
In XX/XX/2022, I was contacted by mail by three companies seeking to collect the same debt. First Financial Asset Management/First Financial Investment Fund III LLC XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX written communications seeking to collect the same medical debt. It can not be legal that three companies can collect the same debt. I have disputed this debt with all three companies. I have called all three companies. XXXX XXXX XXXX specifically told me they had lawyers in their employ to escalate cases when necessary. Overall, these companies have big official names when they're really just three different debt collectors seeking to collect on the same debt. This can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the month of XXXX, XXXX, there were several unauthorized transfers from my Chase Bank checking and saving account to a company called XXXX. Chase Bank did not notify me at all with these transactions neither did I authorize XXXX to transfer those money. So when I first found out about it in XXXX, XXXX, I reported the claim to Chase Bank. They took a month-long investigation then gave me the info of the company. I tried to resolve the issues from both banks, but none of them wanted to be responsible. 

Here 's what Chase Bank failed to do to protect my funds as their customer : 1. Failed to notify me asap through physical mails or e-mails about the unauthorized transactions. 
2. Failed to refund me the monthly service fees in whole which they continued to charge me when both of my checking and saving accounts were being emptied.

3. Failed to alert me asap when there were unusual activities on my account.

4. Failed to do their due diligence for the investigation. I had to push them to tell me who the recipient of the funds was. Otherwise, all the details weren't provided in their investigation paper. 

Because of Chase Bank 's negligence, I couldn't report and close the account asap. There was zero notification from them, and they avoided talking about that subject matter and blamed me, their customer, for not protecting the data myself. 

If they were to notify me on time, I could have stopped and reported the illegal activities instead of being responsible for the loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Someone tried to open a bank account using my information such as my name and ssn. I called the bank and got the account 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 2022-08-30 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: CITIBANK, N.A.
State: KY

Complaint narrative:
This isn't my account. I closed and paid my account with Citi Bank.

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 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have spent 40+ hrs with PennyMac escrow team working to get updated tax payment amounts, interim tax payments, and updated assessment from the county. I have sent them documents from the county, created XXXX spreadsheets with all the relevant information, and spent hours on the phone with their reps. 

Multiple times I have given explicit payment instructions and they have just ignored them. Depending who answers the phone they could be average help or completely incompetent at their job. 

I explicitly told them I would like a tax payment made in XXXX when it is due. They went ahead and paid it in XXXX. I called the day after the payment was made to have it cancelled and returned. The rep only put a note in to pay in XXXX with no action item to have the payment returned as I requested. 

I spoke to a manager once and was able to get a lot of these issues fixed, he was at least able to make changes immediately. Otherwise every response is I have to put a ticket in and it will take x business days to complete. Unfortunately, the phone number he gave went out of service and every time I called and asked for him he ignored my call and never reached out. When I said the extension did not work they blew me off again saying that was the correct number. 

I can't even begin to describe how frustrating it is to have a company hold so much of your money and have zero control. Not only that trying to work with them to create a plan is useless because they just ignore the instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
As ALWAYS with TRANSUNION, I have sent all personal information required to verify who I am. Only response was a mailing addressed to some other person at my address. 
I tried to contact transunion on their web site and by phone ... ..ALWAYS THE SAME. 
Can not log in because they force you into a loop making it impossible to log in. The same with phone contact. It goes to automated answering which does the same routine, THE LOOP. 
I am beginning to think that this is just another company that facilitates HACKING INTO PEOPLE 'S ACCOUNTS. There is no other apparent reason for their existence. They seem to XXXX XXXX  people 's information only to manipulate into some other entity. 

At the present time my phone has been on hold for over an hour with the same cacophony polluting the airwaves.

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 2022-08-30 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: NV

Complaint narrative:
I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts

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 2022-08-30 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: NV

Complaint narrative:
I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with Truist financial institution. I currently have one commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. Truist 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with Truist the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.

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 2022-08-30 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

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

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello- I have been a Chase Sapphire card user for over 7 years. Almost always pay my card off every month and never late. About two weeks ago my wife was at the store and told me her card was being declined. I immediately logged on to Chase to check on the card and seen that it was stating the account was closed and I never closed the account. I immediately called customer service because I was concerned about fraud and could not get resolution. I was transferred 2x then hung up on. I tried twice more the same day and had the same scenario play out. 

I tried two days later to call and still was not able to get an answer and felt it was discriminatory in nature. The only answer I could get was it was " bank policy '' for the cancellation. 

I still have yet to get resolution on this and it has been extremely frustrating especially having been a good customer over the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: MD

Complaint narrative:
XXXX XXXX XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation