vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 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: FactorTrust, Inc.
State: MS

Complaint narrative:
I received a copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data. 
I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results. 
After no response, I mailed another dispute on XX/XX/XXXX, XXXXthis time certified mail. ( Dispute dated XX/XX/XXXX ). 
Again, no response. 
Next, I mailed a failure to respond to my dispute on XX/XX/XXXX via certified mail ; referencing the dispute of XX/XX/XXXX because I have proof of receipt on file. 
I receive a response days ago, dated XX/XX/XXXX stating they received my dispute ( by now I've sent 3 with no results ) ; however, I must first obtain a copy of my report before I can file a dispute. 
Hmmm. How would I be able to mail such a thorough dispute, if I did not have a consumer report from Factor Trust?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Over the last year I have received multiple banks fees in error. I have no explanation for some, and others are the the result of Truist/Suntrust double charging my checking account for my monthly mortgage payment. I have been told that the bank will not reverse my fees because they have already " waived fees '' for me in the past. These " waived fees '' have been error corrections that I have spent hours trying to resolve, and when the bank finally admits that the error is their fault they promise that this will not happen again/the issue is solved. For the last 3 months since Suntrust/Truist have merged their banking platforms, I have had two withdraws from my account per month for the same mortgage payment. These withdrawals have led to overdrafts in my checking account for which the bank charges me. The bank has said they solved the issue twice now, but at the beginning of XXXX it happened for a 3rd straight month. I have now requested that all payments be stopped and the double payments be returned to my checking account so that my account is paid current, and not more. Upon returning this money to my account, I was charged ADDITIONAL FEES that were not discussed with me.

I have spent over 12 hours on the phone in the last two months trying to sort out these issues. I have been dropped from 3 calls after waiting over an hour to speak with a representative. Suntrust/Truist will not offer any alternatives other than calling the same phone number that has repeatedly dropped my calls after hours of wait time and given me false promises that my issues are resolved. I currently have had almost {$200.00} in fees that are all no fault of my own, and I can not get ahold of a representative that can remove these and close my account. The mortgage department and banking departments take no accountability for their actions or communications with one another, and instead just push blame to the other department for me to handle myself while charging my fees along the way.

I feel bad for all of the customers that have gone through similar issues. I feel even worse for the unknowing customers that Suntrust/Truist is practicing their predatory banking practices on to profit via fees from unassuming families that do not have hours in their week to dispute in hopes that their livelihood be rightfully returned. In this day and age, this bank needs to make ALL of the processes more accessible, including their fee dispute process.

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 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Im unable to transfer my funds or send money from my Venmo account. I received a SBAD loan for my small business and have been unable to use my funds to get the supplies I need for such. The amount is {$10000.00}. The funds has been in my account since XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I contact XXXX bank by phone regarding an alert I received on XX/XX/2022 regarding a purchase I did not recognize. In order to get information on the purchase, I had to call XXXX because this could not be done online. I also try to dispute the charge online. I called and was told I needed a security pin that I had provided on the account. I don't remember the pin because I do my banking online which doesn't require a pin. So I was not able to get the information I needed, I asked if there were other security questions they could ask me, the reply was no. The only way to get this information I needed was to visit the XXXX bank. Because of this policy, I was not able to dispute the charge. I'm XXXX XXXX XXXX and can not visit the XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The borrower is deceased and the successor trustee ( the daughter XXXX XXXX ) is working to secure the property and get it sold. People that are illegally occupying the property have direct contact with the lender and are making payments directly. I have contacted to the lender to set up additional security to stop this contact and these direct payments. SPS has stated that they have no way to assist with making the account secure to assist customers with account access protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/22 my mobile device an XXXXXXXX XXXX XXXX was stolen. I contacted XXXX only to fine the device I insured with XXXX XXXX + did not cover theft. ( Why would anyone buy insurance that did not include theft ( Guess I should have read the 20 page disclaimer ) In any case I cancelled the the subscription, which I received a confirmation email from them. Unfortunately I have continued to be billed by TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which does the billing for XXXX for this service. I have spent hours on the phone on two occasions getting passed from customer representative to customer representative with no progress. I disputed the charge and was notified by XXXX that the charging company has to remove the disputed charges which TD Bank has not done and are now reporting these charges as delinquent on my credit report. A short while ago my credit score was at XXXX. It is now at XXXX due to these erroneous charges from a subscription that was cancelled on XX/XX/22. The current amount in collections is {$47.00}. I have sent proof of the cancellation to TD Bank customer support and to XXXX with no resolution. NOTE in the screen shot from my credit report the billing dates past due compared to the cancellation date in the email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Made a payment on XX/XX/2022 for {$1400.00} ( statement balance ) on the mobile app, they took the money twice on the same day. After I check my bank account, I called them they wanted me to keep in account as a credit XXXX or it will take 10 working days to get it back into my account. Called twice with over 45 mns hold time each time and got two different answers when I will get my money back. 
Each time I had to give them the routing number and the account number.

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 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
From the time of late XXXX to now Ive been made aware of a bank account placed under my identity falsely placed. Ive explained to this institution that I did not open any account and have no idea of the XXXX dollar balance. But in response Wells Fargo has done absolutely XXXX but listen to my grip and instead of helping me figure this out they send me letters telling me to pay this debt or else. The XXXX breech is the reason my personal information is on the web to be used in such a way and unfortunately the idcare they provided dont do XXXX to stop my info from being used by others so I can do nothing. But I expect you all to have better resources and more experience to 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 explanation
Consumer complaint received 2022-03-05 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: OH

Complaint narrative:
I received a batch of 6 emails from Wells Fargo about a new account being opened under my name, checking. I did contact Wells Fargo about this and Wells Fargo did flag the account and is investigating. Wells Fargo advised me to contact my bank and any other financial entities ( brokerages, etc. ) to provide a alert on this issue. My bank, XXXX in XXXX Ohio also advised me to contact the Social Security Administration . The fraud reporting process at SSA directed me to this site/location.

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 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I contacted midland funding llc on XX/XX/2022 then again on XX/XX/2022 they sued me for a really old debt they never contacted me to tell me they sued me or to tell me of my court date ether when i called and tried to work it out they threatened me with court on XX/XX/2022 and said they will just garnish my check and wouldn't let me make a payment unless it is was in full they refused payments on both days 2 of the conversation 's where thru there online website. They are rude and hateful and they original debt wasnt half what they charged me. the added fees of over XXXX dollars on a XXXX dollar debt i tried to request dates and times thru a credit dispute but got nothing back. I explained to them they have to contact me about court dates as well and they said they dont have to this place is terrible to deal with and treat you like dirt please help. i payed the {$1200.00} because I want to fix my credit but the amount was wrong and just plan not fair to fee me more than the amount of the original debt ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I bought a produt online and they refunded my money but chase bank says they sent it back the sender. I called the company and they were so nice and told me to get ahold of you. I contacted the bank they hung up on me 5 times and tod me not to call back. the refund was for {$120.00}. they are so rude and called me stupid. I believe they are holing the money in limbo and refuse to let it go. this has got to stop. theres so much corruption with the banking system it aint funny. I'm on Social Security diability and need money for medication. I believe there pain and suffering damages here. In all my life i never would have dreamed of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX wi, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/2022 from a company called XXXX XXXX XXXX XXXX XXXX a debt collector stating they are attempting to collect a debt that I owe to JHPDE Finance, LLC the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too JHPDE Financial infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Hello there how are you doing? I just need Ally Financial to update the amount owed to them for the debt of XXXX acct number XXXX the amount that need to be updated is XXXX its updated on XXXX XXXX to that corrected amount and need to be updated with XXXX  XXXX and XXXX on XXXX  app in my report also please this need to be changed As soon as possible it is destroying my score need to be updated so I can get ahead in life and get out of my financial situation please this is urgent thanks so much

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 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My credit was pulled by Rocket Mortgage with permission on XX/XX/22. On XX/XX/22 I spoke to XXXX XXXX, a mortgage banker from Rocket. I explicitly said multiple times that Rocket did not have my permission to pull my credit again under any circumstance as it was pulled the week previous. I was also told at the beginning of the call that and during that the call was being recorded. Rocket Mortgage pulled my credit again on XX/XX/22 without permission. After speaking with XXXX XXXX, another banker, my husband confirmed that our credit was already pulled and didn't need to be pulled again. The banker confirmed. We were also informed this call was recorded. My credit was then pulled without authorization. We called immediately after receiving the notification that our credit was pulled and they said because we had authorized them to pull credit on XX/XX/22 that we had given them permission to pull credit on XX/XX/22. This is completely untrue and we gave explicit instruction that they DID NOT have permission to pull credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: PNC Bank N.A.
State: TX

Complaint narrative:
I made a payment and it was confirmed and they pnc bank said 2 days later payment did not go through so they put it in collections and reported it to the credit reporting agencies hurting my credit and I ask them to remove from credit reporting agencies they denied. I put in the right information to the automated system and it confirmed it. Everything was recorded per our conversations with 3 of their agents. I need a 3rd party to judge this case. They are unreasonable.

Company response to consumer: Closed with monetary relief