vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
ON XX/XX/XXXX I SUBMITTED ONLINE PAYMENT FOR CONTRACTOR. I HAD TO SUBMIT TWO PAYMENTS DUE TO DAILY MAXX. {$5000.00} XX/XX/XXXX AND SCHEDULED XXXX FOR XX/XX/XXXX. ON XX/XX/XXXX CONTRACTOR TOLD ME I SUBMITTED TO THE WRONG PERSON. I CALLED BACK TO CANCEL. I WAS INFORMED THAT I WOULD HAVE TO FILE A CLAIM, I SUBMITTED CLAIM AND THE {$2500.00} WAS PENDING. I WAS TOL DIT WOULD TAKE 10 DAYS TO RESEARCH. I CALLED ON XXXX AND XXXX AND WAS TILD CLAIM STILL BEING RESEARCHED. I CALLED ON XXXX AND XXXX AND WAS TILD TO WAIT 10 DAYS FROM THE DAY I SUBMITTED CLAIM. XXXX I CALLED AND WAS TOLD CLAIM WAS DENIED ON ON XXXX. CHASE SAID THEY CONTACTED BANK ON XXXX AND THE MONEY WAS GONE. I ASKED WHY I HAD NOT BEEN TOLD THE CALIM WAS DENIED. CS SAID I CANT ANSWER THAT QUESTION. I WENT INTO BANK AND WAS GIVEN THE UPDATED DENIAL LETTER. I WAS SO CONFUSED ALL 4 DAYS NOONE SAID OH WE COMPLETED THE RESEARCH. THE TELLER PRINTED LETTER THAT CLARLY STATED CONTACT US IF YOU WOULD LIKE TO REQUEST THE INFORMATION XXXX. I CONTACTED NUMBER TO GET SOME ANSWERS. XXXX STATED I NEED A SUPENO TO REQUEST INFORMATION. CHASE WAITED 6 DAYS TO CONTACT BANK ABOUT FUNDS THAT WERE PENDING AND THE XXXX COULD HAVE BEEN RECOVERED. I WENT INTO BANK TODAY AND PERSONAL TELLER STATED OH LOOK AT WHAT IT SAYS WHEN YOU SEND PAYMENT. I UNDERSTAND IT WAS MY MISTAKE BUT SHOULD IT COST ME {$7500.00} THEY COULD HAD CONTACTED THE OTHER BANK SOONER. CHASE COULD HAVE CALLED CONTRACTOR HE HAD ADMITTED HE KNEW THE MONEY WASNT HIS. CS REP SAID I SHOULD HAVE SAID IT WAS FRAUD THEY WOULD HAVE MOVED FASTER. HOW IS THAT PROTECTING OUR FUNDS?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reports that I had violated state/local laws by speeding in a work zone on XX/XX/2022 during a level 3 XXXX inspection XXXX The inspection took place near XXXX, XXXX, but I was never cited for breaking any laws during that inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The listed acct below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

UNITED AUTO ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX for UNITED AUTO ACCEPTANCE 15 U.S.C 1681 Section602 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 permissions.

15 U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 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 more than seven years. 

I have attached several changes that XXXX  has changed info on my credit reports many times. However, this are still incorrect information and missing information the credit bureaus. I attached from XXXX credit reports and current report, also attached letters to that the acct was not verified with incorrect information. They ( XXXX  ) continue to make changes and then on each report and they are mismatch on ever level, as far as, terms, last payment received, major delinquency, first date reported, etc. I gave back the car on XX/XX/XXXX and made the last payment that was agreed upon which posted to account on XX/XX/XXXX. Not in XXXX, there is proof on the XXXX XXXX XXXX  sheet. This was a voluntary repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A lady called XXXX from XXXX kept calling me several times. Once I answered the phone she said she was an agent from XXXX. She said my passport number was used for a XXXX passport, and walked me through the XXXX website to convince me that it was authenticate her position. There was another person online, claiming to be XXXX XXXX Police officer. He said he has a warrant to arrest me and the XXXX  agent made me tell the XXXX that XXXX  is investigating and I am cooperating with XXXX. The XXXX agent then said that either I pay or be detained for 5-7 days. They refused to let me call my parents, since they said they would be also be implicated. Then asked me to download XXXX app, and asked me to log into my bank account and transfer {$2400.00} through XXXX Then then tried to persuade me to get me to ask my parents or friends to transfer an additional {$2500.00} to my account. When I refused, they said the police officer will come at XXXX XXXX to collect the money in person. I realized something was wrong and I hung up. 
This incident has left me devastated and shaken up. I have lost {$2400.00} for no fault. I did not voluntarily give the money, but was pretty much held at ransom. 
I would appreciate it, if you could assist me in getting the money back. Thank you.

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XX/XX/XXXX, I requested a lower rate on my Discover Card. My balance at the time was XXXX. Discover informed me they would only adjust the interest rate on purchases AFTER XX/XX/XXXX. From that point forward I have been subject to two interest rates purchases prior to XX/XX/XXXX at 29.99 % and Post XX/XX/XXXX at 24.99 %. I have made payments well in excess of the minimum payment however the balance subject to 29.99 % is now as of XX/XX/XXXX at XXXX. Per the Credit Act of XXXX, payments over the minimum should be applied to the principal of balances subjected to the higher interest rates. I have contacted Discover numerous times about this misapplication of payments with no resolve and was told " they have no way to ensure payment application ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
As a result of frequent data breaches by various corporations, I set up as much multi-factor authentication as possible on all of my accounts, especially banks. USAA allowed me to set up facial recognition, but that functionality was removed around XX/XX/2022 as far as I can tell. To replace it, I set up biometric multifactor authentication ( thumb print ) and received an email indicating that I had done so in late XX/XX/2022. After a week, that authentication was removed without any sort of communication. I was able to set it up again easily, but it has shaken my confidence in their account security. I would prefer to use a separate authenticator with a rotating code, but they do not offer that functionality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been demanding Equifax to remove XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. This has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Equifax and will no longer extend my credit until everything is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Block, Inc.
State: TX

Complaint narrative:
I have a cash app account that suddenly stopped letting me sign in, recently my brother accidentally sent money to this account and I needed immediate access to it for an emergency. I called cash app to either get access to it or get my money and they refuse to help me in any way stating that it's for my protection. I verified everything that they asked of me and still no help. Keeping my money after verifying my information is theft, I want all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
On XX/XX/2022, I moved out of the apartments XXXX XXXX. Prior to moving my roommate and I signed documents to end the lease in 30 days. Which would have been to move out XX/XX/2022. On XX/XX/2022, I received a dept collection letter in the mail saying I owed {$3400.00}. I then called XXXX XXXX but they never gave me an answer. I ended the lease and I still dont know why I was charged rent for three month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported XXXX months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX I had fraudulent transactions on my Home Depot Credit Card Account. I was first notified of this on XXXX when i received a text message regarding the some charges that I needed to verify. As soon as I spoke with the representative I realized that There were about 15 transactions of fraud charges on my account made around XXXX to XXXX. 
XXXX - {$110.00}, XXXX {$54.00}, XXXX {$83.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$160.00}, XXXX {$110.00}, XXXX {$100.00}, XXXX {$210.00}, XXXX {$210.00}, XXXX {$980.00}, at the time, Home Depot removed the charges and investigated the matter. I received notification from them in XX/XX/XXXX informing me that Home Depot had determined that I was responsible for the charges and when I called Security Operations to find out why, they told me that it was because someone had actually swiped my card. I then opened a case with the my police department because I did not swipe my card for these purchases. I then faxed Security Operations the fraud report and after weeks of waiting for a response was told that would suffice and I would need to submit additional information. I then contacted my sheriffs office again and he was able to obtain video footage which does not show me making these purchases and also does not show Home Depot verifying any ID to the credit card that was swiped. I pressed charges on the individual and again faxed this information into Security Operations. After weeks of waiting for them to review this I was notified again that the information I had provided was not enough and I was still responsible for the charges. My Home Depot account was closed and sent to collections. This has effected my credit as well as caused me and my family so much financial stress. I had my account with the Home Depot opened since XXXX and never experienced any problems.

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
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/10 I transfered {$220.00} through CashAp to pay for a purchase. Funds were withdrawn from my checking account but never recieved by the person. I applied for a refund for the money. CashAp claims it was deposited into my debit card. On my bank statements from XXXX there is no proof of a deposit for this amount. Cash Ap does not want to return the money to me. They claim it was reversed. Which is has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tribal Lending Enterprise, Inc.
State: OR

Complaint narrative:
I received an odd message that a claim is being filed against me in my county. They gave me a file number and said that they needed to verify my identity with my social. I told them that I didn't feel comfortable and they Said they would call my employer and find my location and send police. 

I told them not to call me again and send anything pertinent to me via mail. And please stop calling me. I feel like it is a scam. They wouldn't tell me who the original debtor was or anything. 

Their numbers are : XXXX and XXXX. 

I looked it up and it seemed like fraud but wanted to report. 

Thank you.

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 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvalry portfolio service at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo had someone to open up an account without my knowledge

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 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
My bank shows that a payment of {$96.00} cleared on XX/XX/2022, but Affirm says it didn't and provides absolutely no way to contact them. The message from Affirm instructed me to reply to the message ( " If you need help, reply to this email, '' ), but it was configured to reply to XXXX XXXX XXXX and accordingly immediately replied to my message saying, " Thanks for getting in touch. We're not monitoring this inbox [ .... ] '' I tried manually replying to the address the message was sent from but have not yet received any acknowledgement or response. When I tried to find a way to contact them on their website, it gives me menus that result only in circular references to the same FAQs and menus. When I tried to use their chat agent, it went through some prompts with the same subjects as the FAQs, then said they'd need to get an agent and requested that I log in, and asked me to enter what I was contacting them about, and soon said no one was available and again referred me to the same circular FAQs and menus. Affirm 's website seems to show the payment did post, but they sent the email nonetheless, so I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a MoneyGram order to my cousin in XXXX for his medical bills. On XX/XX/XXXX, he went to 5 different MoneyGram locations to retrieve the money sent and all the agents told him that he can not retrieve the full amount. I called MoneyGram on XX/XX/XXXX, to try to resolve this issue. I was told that they would have to cancel the transaction but I would be loosing my service fee of {$14.00}. I explained to the the issue was not on my end but on their end and I was not told that there was a limit to the amount that I would be able to send. They told me that they couldnt refund me my service fee. I just want the entire amount back. Ive already lost {$60.00} in transportation fees to have my cousin go to 5 different locations. We have been giving the run around and I feel I have been scammed and violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 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: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
RentDebt is indicating on my credit report that I still have an outstanding balance. This balance was paid in full on XX/XX/2021 by XXXX XXXX XXXX XXXX for {$2800.00}. I have contacted Rent Debt on various occasions and they refuse to comply to remove this information from my credit report. Due to their actions, I have been unable to purchase a home for my family. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2022 I have a Experian credit report which gives you your Scores and protect your ID, my social security number is wrong, and they added another party which is not mine here are the two credit report numbers, XXXX XXXX. A party sent in a statement that they where in the armed forces and they would be out of the country until XX/XX/2022. This not me I have been working so that is also fraud

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 2022-08-09 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: VA

Complaint narrative:
Equifax has violated my rights and has caused me distress. I have been disputing inaccurate information with this company for several months. They have responded stating they would verify the information and never conducts the proper investigation. A proper investigation is performed when they interviews parties and they have failed to do that. Per their website in the Data Sharing Policy " they are required to keep a record of the consent and to provide a copy of it upon request ''. I have requested a copy of each consent and have not been provided with this information. Equifax assumed this role without my permission and without my CONSENT! Equifax has violated my privacy under 15USC1681 ( 4 ). They are not treating me fairly, they are being partial, and they failed to holdup their responsibilities. As a result of this inaccurate information I have been denied employment and stable housing. This company has also compromised my personal data in several of their data breach. As of result of this, my personal information has been placed on various websites and have been used by others.

I am request full removal of the following in accurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT REQUESTING A DISPUTE BUT A REMOVAL This information was placed inaccurately on my credit report, without my consent, and Equifax has violated consumer laws. 

I have spoke with several managers and they have advised that Equifax put all information given to them with verifying that the information is correct. 

I have also filed a report with the FTC

Company response to consumer: Closed with explanation