vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DAVID W. EDWARDS, P.C.
State: AR

Complaint narrative:
Back in XXXX XXXX i had a XXXX performed at XXXX health. I completed the financial assistants documents on the website. I was then ask to upload my banking statements to complete which I did. I was under the expression that everything was all good now. XXXX XXXX XXXX  I received a letter from a bankruptcy attorney and I'm confused to why. I open the letter and it says that a suit was file against me in the XXXX XXXX court system. I look the case up and it saids XXXX has file a suit against me for a XXXX XXXX XXXX and I'm in shook cause I hadn't never received any communication from this XXXX company. XXXX XXXX XXXX I reached out to XXXX XXXX regarding this matter and explained to them that I applied for the financial assistants cause I not able to pay the bill. The representative looked into this matter and informed me that the documents I sent them wasn't able to be opened and she apologized that this had happen and If the bill was still with them should could of fixed it but I would now have to deal with the collection department. I shouldn't be punished for something that someone could have called and informed me that the documents they requested couldn't be opened. I was then transferred to the collection department ( XXXX ) the lady answers the phone and tell me she'll transfer me. I was on hold for over XXXX mins and no one answered. XX/XX/XXXX I noticed that certified mail was being sent out from the XXXX XXXX XXXX law firm. I called and spoke with them and informed them that their XXXX  ( XXXX ) never communicated with me regarding a XXXX bill. How can someone not communicate with you regarding a bill and have an attorney file a suit against you. This is considered breaking the law without giving me knowledge of a debt. I was told I will have to respond back to court document. I then tried reaching back out to XXXX and finally got them on the phone just to be told we can't talk to you regarding this matter you'll have to speak with our attorney. 
After reviewing the reviews of ( XXXX ) this is a normal pattern for them to not answer phone call from the people they have bills with and send their bills to the attorneys without trying to communicate with the defendant.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Ever since XXXX  I have had this account on my credit and I am asking for your help XXXX. 
Lv funding has been another account I don't recognize an they will not take this off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime checking account " My paycheck settlement " feature took money from an ineligible visa money transfer twice. XX/XX/XXXX they took {$34.00}, and today XX/XX/XXXX they took again from my money transfer in the account of {$29.00}. 
Their statements and advertisements say that paycheck settlement payments are taken only from eligible paycheck direct deposits when you receive an eligible paycheck direct deposit. Chime failed to take the settlement or of my last qualifying direct deposit, and had now instead stolen money from two separate visa money transfers. This has resulted in my inability to keep important health appointments due to lack of gas since they stole my money transfers. 
I requested to dispute their settlements and was told I couldn't due to these transactions being protected from consumer dispute. 
So chime has protected their ability to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Bank account was compromised and money was withdrawn without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
This is a follow up to CFPB Complaint ID : XXXX that was closed without confirming the requested information was presented by LexisNexis in their original response. 

Complaint ID number XXXX was closed based on Lexis Nexis response stating an inability to identify XXXX XXXX XXXX but LexisNexis Risk Solutions XXXX not provide the identity of the consumer the auto insurance paid their claim in excess of $ XXXX to, nor did they confirm the statement that the auto insurance XXXX denied having coverage for XXXX XXXX XXXX XXXX time the $ XXXX that claim was paid out/issued. 

In addition, Lexis Nexis provided within their letter on XX/XX/2023 for the consumer XXXX XXXX to provide " identifying '' information to them via mailing address : LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This request was honored, as a letter containing identifying information for XXXX XXXX XXXX XXXX to the above address via United States Postal Service XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. This information is attached without identifying personal information to protect consumer privacy of their personal sensitive data. 

In addition, upon learning on XX/XX/2023 that the CFPB closed Complaint ID : XXXX and reading LexisNexis response XXXX the email sent to email address XXXX on XX/XX/2023 by LexisNexis was XXXX to and included an attachment of the content within the XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX mailed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated an account liquidation for the XXXX time, after my previous attempts did not go through. 
After speaking to an agent on the phone I was told what I needed to do to request account liquidation. 
I specifically asked if there was any selling I needed to do beforehand to request this, and was informed that no I did not need to sell anything ( I had already sold my stocks weeks before to my understanding ). And that I could just request a transfer and he tells me the amount to put to make sure I get the full balance. 
I wait XXXX business days to have the transfer approved. And nothing happens. 
So I call and I am told " oh we need a bank statement to confirm that account and then approve the transfer '', although I was not contacted or informed prior to me calling that this was needed or requested. 
I spoke to XXXX who reassures me that she will do make sure this is handled right. She sends me a link to upload the document and I send it back within XXXX mins, I email to let her I know its uploaded. 
She repsonsds that she will get it sent to the approvals team to get it approved and that I will hear back within 2 days. 
2 days go by and I have not heard anything so I email ( XX/XX/XXXX ) and ask why havent I been informed on the status of my transfer. And I am told the transfer is approved and should be deposited within 3 days, I wait the 3 days, still no deposist. So I call my bank and they tell me that they do not see any pending deposists nor do they hold deposits. I call XXXX and ask to speak to speak to a a XXXX, I get XXXX who has no idea why the transfer had not been sent to me, but then tells me that there are holdins I need to put into my pie before I can transfer my money- which no one has told me way before needed to be done. I have no clue how to do this so he walks me through how to do it but my account although it confirms I moved over the assets into my XXXX it wont actually reflect that it has been done. We do it twice together on the phone, he informs me that he isnt sure why I cant do this action and that he will have to escalate the situation. And here it is XX/XX/XXXX and I still have not received any help to getting this resolved. 
This company is hard to get real help with and they do not promptly address issues espcially when it comes to my ability to get things done on my end when my acount wont let me make the changes needed, they have inhibited my abilty to use my account and I do not want my money sitting in tis account anymore. i want liquidate and close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
MY MORTAGE COMPANY CHANGED MY INTEREST RATE FROM 6.75 % to 18 %! 
MY MONTHLY PAYMENT WENT FROM {$3800.00} TO {$8900.00} MORE THAN DOUBLING MY PAYMENT. 
They say it was in the contract that I signed at closing but if it was, it was some very fine print. 
I was lied to from the beginning. At the closing, I needed more money than I thought I would and I was worried about it but the lawyer said " don't worry, now you don't have to make a payment for 2 months ''. 2 days later I got a letter in the mail saying my first payment was due in less than 3 weeks. That payment was late but not more than 30 days. 
In the 12 months I have had this loan, They have changed servicers 4 times. Every time, they give me little to no notice. Each servicer handles the payments differently. One only takes payments online while the next takes them over the phone. The next will only take 1 lump sum when the last one would let me make more than one payment during the month to get it paid in smaller chunks. I never know the rules and sometimes I don't know who I am paying. 
At one point I had made my payment over the phone with the servicer and paid what they said had to be paid and the next month I was told that the last months payment was being held up because I hadn't paid the late fee associated with that last month so it looked like the payment was 2 months late when it wasn't. Then the next month on the phone the servicer ( a different person, same company ) told me that late fees are all saved until the end of the loan. 
THE KICKER : Last week ( XX/XX/2023 ) I was told that my payment went up because I got my interest rate changed to 18 % BUT... if I can pay XXXX 's payment by the XXXX they will bring my interest rate back down to where it was. It seems like extortion to me and I don't like it. I don't understand how this can be legal. I don't want them to foreclose on me but brining my interest rate up so high is ridiculous. If I was having a hard time paying it before how can they expect me to pay it now. I feel like it's just a way for them to lead me into foreclosure because I have a good amount of equity. 
The last time I spoke to my servicer and they told me about the increase I told them that on the website it says " click here if you need help paying '' so could I ask for a forbearance or something like that and he said you can ask but they are going to say no right away! Why do they have the button if they aren't going to help you? So I said I will try to refinance and he said the 5 % prepayment penalty and the bad reports to the credit bureau are going to make that impossible. I'm XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) 281 SW 715,719, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist.

Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}

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 2023-09-27 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I filed original complaint on XX/XX/23 complaint ID XXXX You have this as being closed. Yet I did not receive a statement from the bank explaining why I can't get my monies back. Can you look into this? What did you get back to close this complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Omnex Group, Inc.
State: AZ

Complaint narrative:
Tried sending {$900.00} to my mother in the XXXX XXXX. XXXX local carrier failed to deliver the money, then claimed that the money was never sent. I contacted XXXX  at least four times, asked to cancel the transaction, but they have failed issue a refund. Contacted their finance department, they simply hang up. Asked to escalate my case to a manager, they place me on hold for over an hour until I am forced to hang up. Every time I talk to a customer service person, they only tell me they see that the transaction was canceled and that they can see it canceled there's nothing else they can do, that I need to talk to my bank. Called my bank, they stated I have not receive a refund from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2023, I sent a letter to Equifax regarding a XXXX XXXX collection account that was reporting an error and was inaccurate from what I understood for {$310.00}. I requested this to be investigated because it was inaccurate and to remove this item from my report. I also requested information regarding this, and I never received any additional information only that the collection account was verified. 

After mailing my letter to the Equifax credit bureau, I also sent a letter directly to XXXX XXXX on XX/XX/2023, which they never responded to me with anything that verified the collection account or non of the requested items I requested in my letter. 

Therefore, I sent another letter back to Equifax requesting their description of their investigation which they received on XXXX, and their XXXX to respond to that was up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK

Complaint narrative:
I sold XXXX to a buyer on XXXX, the buyer paid me through XXXX, and I have all the evidence of the transaction. When the transaction was over, the buyer maliciously appealed to XXXX for a refund, and the buyer lied to XXXX that I bought a camera from me and I did not ship it, and apparently this is a complete and absurd lie and now the money has been returned to this person 's account by the bank without my consent, and I was scammed by him. 

I have all the proof, including recording a video with the scammer on the trading screen of the cryptocurrency exchange. Banks can also check with cryptocurrency exchanges. 

The point is that on XX/XX/XXXX, the bank, without my consent, without asking me for more detailed and sufficient supporting materials, and without checking with the cryptocurrency platform that I transacted with the scammer, solely based on the scammer 's word, the bank deducted my {$1200.00} to the scammer. This practice of the bank has seriously damaged my legitimate rights and interests. 

And the bank closed my account without permission.I can't use my account normally right now. I have balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
I received a phone call from XXXX that my phone said scams likely a woman asked for me by my last name to which I responded this is she she then asked me to verify my first name and my social security number. When I told her that I did not feel comfortable with that and asked what the call was in regard to she told me that she had news for me but couldnt tell me unless I confirmed my information. I stated again that I do not feel comfortable giving out my information and that I do not have any business matters with her company she told me then to call speedy cash so they could tell me themselves. She got extremely irritated and began raising her voice during this time. When I called speedy cash I was forwarded to their customer relations, who searched under my name and phone number and told me that they do not see that any phone calls were placed to me and that I do not currently and have not previously had any business with them and that scammers frequently use their company name as a way to try and get peoples information. She then referred me to ftc.gov to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS COMPANY!!! I HAVE BEEN TRYING TO GET THEM REMOVED OFF OF MY CREDIT FOR AWHILE. ITS HARD TO GET IN TOUCH WITH SOMEONE THERE WHO SPEAKS XXXX. PLEASE HELP AND REMOVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation