vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I went into Huntington Bank to exchange some pesos Into dollars I brought in XXXX pesos they said the equivalent was {$4100.00} they said it would be deposited into my account within 7 to 10 business day I waited 10 days I called they said they didnt know anything yet on the 12th day I called and they said that it was denied that the bills that I turned in were old I didnt understand because I had taken pictures of the bill and one of the bills said XXXX thats not that old. when I asked when can I come in and get my money back they said they were not giving it back that it would be destroyed by the federal reserve I said why its my property if youre not gon na give me the {$4100.00} please give me back what I brought in the pesos that was my dads he passed away two years ago he gave them to me and I have a big expense with a new XXXX Ive been in a XXXX for 26 years, I need it to cash it in so I can help pay for my 20 % of my Medicare part. At that time he said he was not able to give me any more information that I would have to XXXX the federal reserve and their practices I asked for a letter phone number address he can not supply me with any information other than I was not getting my money or my pesos back. im sorry but I do believe that that is wrong is my property I should be able to get it back. I am a XXXX year old woman, I went ahead and googled the federal reserve I called them they suggested for me to put in the complaint to the consumer finance because its not right and I want my money back dollars or pesos. I could really use the dollars to offset my unexpected expense but if they cant do it then I believe I should get my pesos back I dont understand why this process is so misleading and so wrong. thank you in advance for your time to look over this complaint I hope things can get resolved and I hope that this practice is not really used by the federal reserve of destroying money without explaining why or not given the money back as a souvenir even I just dont understand. I do have a receipt from the bank I do have pictures of the money in case I need to turn them in I can do so.please I hope to hear from you soon have a blessed day.Thankfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX - purchased new phone service from XXXX to switch to XXXX. 
Started new service, the cost was much higher than XXXX XXXX XXXX XXXX said it was. XXXX told me I had 14 days to cancel my service, but I'd still owe the activation fee of {$30.00} ( already paid ). 

10 days later, I canceled my XXXX service, within the 14 day trial period. 

XX/XX/XXXX received collection letter from Credence Resource Management. Service had been canceled more than a month ago. Thought that was too soon to receive creditor notice, so I thought notice was illegitimate. Then I looked at my XXXX account online and saw the same amount was still owed, which further made me question the Credence debt. Disputed debt to credence via email. Credence told me they contacted the creditor and that the payment was still due ( without mentioning the name of the creditor ). 

I tried XXXX XXXX XXXX several times, each time the hold to speak to someone or chat with a human was 15 minutes or longer. I tried again, the wait was always too long. 

I understood that the 14 day cancelation period would allow me to not pay for the service since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
This company is reporting false inaccurate information to XXXX. I also found that my interest is not allowed to be no more than 24 % by Florida law. They have it listed as 178.47 % on this document! Which exceeds Floridas rate caps. They are using usury which is illegal. They have not followed Florida law requirements to process such a loan and their website is very misleading. This is a direct violation of the Florida law and my consumer rights. I ask that this account be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC
State: TX

Complaint narrative:
I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from XXXX ( XXXX XXXX XXXX ) I've never heard of them or the Creditor : Orion Portfolio Services. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks 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 explanation
Consumer complaint received 2022-09-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is restricting the number of payments I can make from a non-Wells Fargo account. I've tried reaching out to them multiple times and they just keep stalling. I've tried to pay this account in full MULTIPLE times now but just keep getting the following message. In short, they're attempting to force me into creating a bank account with them just to pay this card which I have zero interest in doing. 

" You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Litigation in process act immediately you are in violation. Ive been trying to solve this problem for some time with your agency and the cooperations and debt collector you allowed to put fraudulent and accurate items on my credit report without permissible purpose I am a victim of identity theft through the Equifax data breach I sent him proof with certified mail. XXXX XXXX XXXX Was open with my written content and its unauthorized use of my social This item should be deleted immediately while in litigation per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
By phone Paragon Revenue Group did not address the FDCPA violations, the threats made to me, the unanswered messages I left for a supervisor to call me or the validity of the company. 

The most important issue was the FDCPA violations. 

I spoke to XXXX she called my home implying that something was wrong with my child. It wasn't until later into the call and me concern for my child was clear that she mentioned it was about a debt. This is impersonation, giving the impression it was something other than a business matter. 

She threatening me with my credit after proof of debt was requested, she nor her co-worker, XXXX, fully mirandized the call. 

They hung up on me after I requested a manager more than once. 

I never received a call back from a manager and I attempted and left messages for one 3 different dates. 

This is abusive behavior from their staff towards a customer. This is unethical, unprofessional and against the fair debt collections practices act. Paragon Revenue Group took no responsibility for their actions. I feel an attorney or authority above myself should hold Paragon Revenue Group accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been charged a substantial amount of late fee and interest charges total US {$22.00} in my credit card account with Comenity Bank Master card. They charged based upon the {$5.00} on XX/XX/2022 which was an unauthorized charges by XXXX XXXX. On XX/XX/XXXX, XXXX has refunded me {$5.00}. 
I have called Comenity Credit card numbers, XXXX multiple times ( 5-10 times on XXXX XXXX ) to remove these illegal charges, but they always disconnect me when I choose the option to talk to their representatives. I have used online chat with their agents, who also would not want to dispute these charges for me. 
Please help me to move these illegal charges ( US {$22.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Hello XXXX, I was a customer of XXXX for numbers XXXX and XXXX from XXXX till XXXX and I moved cellular providers to XXXX XXXX on XX/XX/XXXX for which I have an email from both XXXX confirming my new XXXX and an email from XXXX confirming that my plan was cancelled. 

XXXX repeatedly charged me from XXXX to XXXX for an amount of {$600.00} when i was not using their services. I have had multiple phone calls with XXXX and a case logged where they told me the issue would be resolved. 

The next thing i received is a collection bill from XXXX which is now reported to a collection agency and has already hit my credit report as a delinquency. I am in the process of buying a house and this is now impacting my ability to be a homeowner. 

I am attaching as evidence an email from XXXX dated XXXX XX/XX/XXXX that shows in the body of the email in Bold letters : XXXX Confirmation : Plan Cancelled

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681. Transunion assumed this role without my permission not only that Transunion did not have my consent. Transunion did not respect my right to privacy & I have sent in many letters telling transunion about the unauthorized accounts and incorrect personal information I am demanding right now is that transunion remove old names and address that is not my address and phone number dispute completely Reporting missing payments on accounts that I didnt authorize or gave my consent too

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 2022-09-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent my first letter to the credit bureaus- Equifax, XXXX and XXXX reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There was a fraudulent credit line opened in my name on XX/XX/2022 without my consent or knowledge. I was not made privy to this information until a couple months have past when I noticed my credit score plummeted from this. The credit line belongs to a XXXX 

I tried remedying the situation right away with a dispute ( number XXXX ), but it was never resolved and was rather quickly investigated. 

I made a police report with my local police in XXXX about the situation afterwards. I opened up another dispute detailing this and it was also very quickly shot down. 

Now, as of XX/XX/2022, there is yet another massive hit to my credit on the same fraudulent charge. I have attempted to dispute for a third time hoping this can be possibly 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 2022-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have been trying to complete a recast of my Mortgage with Freedom Mortgage and the company has delayed the recast in an unacceptable time frame. I originally contacted Freedom explaining that I wanted to complete a recast with a payment of {$240000.00} towards my principle. I was instructed to mail a check for {$250.00} and a letter requesting a recast. I mailed letter and check on XX/XX/22. Freedom misapplied my check as a partial mortgage payment. After several calls they reapplied the funds. I reached out to Freedom several times to obtain a contact person for the recast with no success. I wished to increase the amount I was applying for the recast to {$250000.00} but I was leary of sending the funds without a contact person to confirm the process as my {$250.00} earlier check had been misapplied. XXXX XX/XX/22 I received a letter from Freedom stating they were unable to complete the recast as they hadn't received the curtailment to principle and that my loan was being transferred. I again contacted Freedom and was told the loan would be transferred within 30-60 days and that I could complete my recast at that time. Sixty days passed without any further communication from Freedom about completing my recast or informing me of a new mortgage service provider. I again contacted Freedom on XX/XX/22 and spoke with teller # XXXX who looked up my account, read the letter about the service transfer and instructed me to mail another check for {$250.00} with a letter requesting a recast. I mailed another check for {$250.00} and another letter requesting a recast. Freedom cashed my {$250.00} check, and on XX/XX/22 I received a call from XXXX teller # XXXX telling me again that Freedom would not complete the recast as my loan is scheduled to be transferred in XXXX. Since the letter from freedom on XX/XX/22 I have made mortgage payments for XXXX, XXXX, and XXXX and will have to make another one in XXXX if this does not get resolved in a timely manor. The amount of funds I wish to apply towards my recast of {$250000.00} should lower my mortgage payment by aprox. {$1200.00} a month. I will have made at least 4 additional mortgage payments that were unnecessary if Freedom had acted in an appropriate manor. If Freedom can close on a purchase or a refinance in a few weeks why should it take XXXX+ months to complete a simple recast? This is not fair to the consumer and a deceptive business practice.

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 2022-09-17 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: Checkr, Inc
State: OR

Complaint narrative:
Checker is soliciting fuard information to the public basic identity theft shocking and extortion pattern and practices I contact them is the pass about file a disclosed because my court proceeding but they are still sealing that fuard information. 
and the pull up them charge intuition to block and deny opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CA

Complaint narrative:
There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a business checking account with US Bank on XX/XX/XXXX - a new account bonus of {$500.00} was offered via an online ad if I deposited {$5000.00} within 30 days and completed 5 qualifying transactions within 90 days. I signed up for the account after clicking on the ad with promo code XXXX. I deposited {$5000.00} on XX/XX/XXXX and completed the XXXX qualifying transaction on or before XX/XX/XXXX. The {$5000.00} remained on deposit with the bank until XX/XX/XXXX. 

I contacted the bank in early XXXX and was told it would be 45 days from my last transaction for the bonus to post ( which would equate to XX/XX/XXXX ). As of today, XX/XX/XXXX, the bonus has still not posted and after contacting the bank again today, I was transferred to 3 different departments with no resolution and was disconnected without getting additional information.

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 2022-09-17 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: Chime Financial Inc
State: OH

Complaint narrative:
My utility company, XXXX XXXX issued a return of payment/ refund in the amount of {$1000.00} on XX/XX/2022 and Chime has yet to post the credit to my account. The credit was not posted still after a three way conference call with the vendor, who submitted electronic proof of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a Citi Double Rewards card. I used it at a XXXX XXXX XXXX. I had XXXX rewards points removed from my rewards account automatically without authorizing or accepting the " offer. '' When I called the Citi XXXX rewards program, I was told it is an opt-out process for each transaction. They were willing to offer a XXXX time credit for the most recent deduction I noticed, but were unable/unwilling to " unlink '' the XXXX  offer from my account. I was also told that the XXXX program can not be separated and I can not opt-out of this or similar offers. I was told to consider using another credit card at XXXX, XXXX, or XXXX gas stations, as well as XXXX as they all have similar practices. 

The issue is that the XXXX program automatically gives less value other programs. XXXX gives a cash value of XXXX points  per dollar, as compared to XXXX points per XXXX dollar for other conversion options. 

I am complaining because the practice is deceptive as it requires specific action to prevent the action, and the conversion rate is not disclosed, making it impossible to understand that the conversion is actually removing value and essentially " ripping off '' users.

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 2022-09-17 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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