vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am trying to recover/claim from Chase Bank XXXX check # XXXX to the pay order of {$5200.00}. The date of issue : XX/XX/XXXX by XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, approved for the XXXX XXXX Assistance Program for applicant. The check arrived to the address on or around XX/XX/XXXX. Without consent, a former tenant took the check and deposited into his Chase Checking Account through the ATM at the XXXX and XXXX bank. His bank account was frozen and then closed within a week. The {$5200.00} check was cashed and the funds were held without an explanation by Chase Bank in a " special '' account since XX/XX/XXXX. I contacted Chase Bank several times always leading to nothing. We buried my dad on XX/XX/XXXX. The power of attorney had expired and the focus went into handling my dads affairs. It was to early to know what to do at this time. I was the only person handling all of his affairs. 
My dads assets were under {$25000.00} and probate is not required as stated by the state of Nevada. There was also no will. I took ownership on XX/XX/XXXX of the property in, XXXX XXXX, NV by a deed upon death document. On XX/XX/XXXX, I sold my property. I paid off my dads debt and also his reverse mortgage loan that had started the foreclosure process. I also filed my dads tax return. I received a 1099 for the {$5200.00} from the office of the comptroller even though my dad or myself never received the funds. 
To claim the funds, I presented all of the necessary documents needed for release to a Chase banker as required by the State of Nevada : Small estate Affidavit, Affidavit of Heirship, my dads Death Certificate, my dads drivers license, my passport, copy of the deed upon death, copy of the payoff spreadsheet for the property. I was told that I needed a document from probate showing that I was the Executor of the Estate. My dads total assets were under {$25000.00} and a deed upon death was left to his heir, myself. There was no probate required in the state of Nevada. It has now been almost 2 years. Chase Bank has given me the runaround and is keeping the funds that do not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a random late payment showing up on my credit report with a company that i was never late with. If i was ever late it was because i never received a bill. Please help me get this removed. I have tried disputing it with the credit bureaus but not had success and i have had no explanation as to how i was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
I consumer XXXX XXXX reviewed a copy of my credit report and understand that Collection Management Services is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. You have every right to this alleged debt but I did not give you permission to have my personal information. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices

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 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am a victim of wire fraud. On XX/XX/XXXX I sent a wire the amount of {$30000.00} to an account/scammer that pretended to be the title company for a home I was closing on on XX/XX/XXXX. I returned to my bank, XXXX XXXX to make them aware and the manager called the receiving bank, Truist to see if the money was still in the account. Luckily the money was not withdrawn yet and the bank put a hold and XXXX XXXX started the recall process. Truist responded to the recall and confirmed again the money was still in the account. To date I have still not received my money back from Truist and have not been provided with any updates on what is going on or when I can expect to get my money back. I've now lost my home and deposit for the home. I need help.

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 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
I originally filed a complaint against XXXX XXXX XXXX XXXX regarding this debt, and figured it had been resolved. I now received a letter from another collection agency on XX/XX/2023 for this same debt. this company is named JP Services. I had contacted the hospital when received the original collection letter from XXXX XXXX XXXX XXXX, as well as an itemized bill. they received all payments, it's just how the hospital applied such payments. I have written the hospital again, as well as emailed the billing department regarding this debt. It is not owed, the hospital knows this, but refuses to rectify the billing error, and or contact their outside agencies that this bill is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have received a letter from VyStar Credit Union about opened ( probably XX/XX/2023 ) checking and savings accounts on my name which I never opened at all. I called to the VyStar Credit Union asking them to close these accounts but they told me that I have to file police report and send them a copy of that report. Only after they will receive police report from me they will close these fraudulently opened accounts. I never had anything like that at any other banks or credit unions. I want to close both fraudulent accounts as soon as possible.

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 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Dealer Services changed the due date multiple times during the loan without my knowledge. It was changed on XXXX. This resulted in several late fee penalties incurred. My payments were reversed without my knowledge. These dates XX/XX/XXXX, XX/XX/XXXX ( 2 payments ), I was charged a returned payment fee of {$30.00} on XX/XX/XXXX on a payment they reversed and late fees after the reversals. Because of the deferments that I did not authorize it has extended my payoff schedule. The balance due is more than what it should be. I have made 61 payments as of XX/XX/XXXX based on the printout they sent. Those payments total {$30000.00}. Per my contract, the total price paid after all payments are complete is {$35000.00}. My balance as of XX/XX/XXXX was {$7000.00}. I have 11 more payments of XXXX which would only add up to {$5400.00} if the entire payment went to principle which it will not. There is a huge discrepancy in the numbers. The late fees that were added were paid with the next months following payment. My paperwork from Wells Fargo has a loan maturity date of XX/XX/XXXX so I'm not sure how I have so many months left to pay and a balance over {$7000.00}.

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 2023-06-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to an Equifax data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( XXXX, XXXX and Equifax ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the XXXX XXXX. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( XXXX, Transunion and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

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 non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am in receipt of United Revenue Corporations letter informing me that they are handling the collection of the account # XXXX for {$1900.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between United Revenue Corporations & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. 

I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate United Revenue Corporations claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and United Revenue Corporation continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in United Revenue Corporations letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable. 

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions.

Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX sent a letter stating that they could not verify our homeowners/hazard insurance policy, alleging that the previous XXXX policy was cancelled XX/XX/XXXX. If we could not provide proof of insurance they would be purchasing insurance for us. After some investigation we learned that XXXX XXXX was provided an incorrect mailing address for XXXX XXXX in XX/XX/XXXX. XXXX transmitted their policy renewal XX/XX/XXXX to the incorrect address. On XX/XX/XXXX after no payment was received the policy was terminated by XXXX. That XX/XX/XXXX letter was the first notification I received that indicated anything about a policy lapse or termination, a full year after the fact. XXXX XXXX stated that their office contacted our insurance agent 's office on XX/XX/XXXX to inquire about the status of the policy payment, and were told that the policy had been paid in full. Our agent 's office was mistaken. The policy had not been paid. XXXX XXXX never requested a copy of the Declaration page in order to verify the policy was current and paid. A year later, XXXX can not reinstate the previous policy due to the lapse. I have since secured homeowners/hazard insurance through another agency, however, we are unable to provide any proof of an existing policy for the time from XX/XX/XXXX until XX/XX/XXXX. I have received a Second and Final notice from XXXX XXXX dated XX/XX/XXXX again requesting we provide proof of a policy or they will be purchasing insurance for us in an estimated amount of {$1900.00}. We have requested that XXXX XXXX waive the requirement for us to carry homeowners/hazard insurance during that time due to their failure to verify the policy in XX/XX/XXXX and their failure to update mailing information. Our loan requires an escrow account, and it is my belief that XXXX XXXX 's policy and procedure for verifying insurance information is severely lacking in due diligence. They should not be purchasing insurance on my behalf for the lapsed time, as it was not brought to my attention until a year after the fact. That time has passed. No claims were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXXXXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation.

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