vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive been able to access my Equifax account in the past without any issues whatsoever, even changing the password never had an issue. Today I tried to logon and was told my info was incorrect, I knew this was not the case but went to register for a new account anyway. When I tried registering it said that I already had an account, when I tried resetting the password it said no account exists. Then I was told I needed to mail in information to verify my account. I asked if there was a way to fax or email and was told that snail mail was the only option. Im being inconvenienced because of their lack of security measures and should not need to send in anything for verification when its not my fault my account is locked but rather their incompetent and inefficient security measures. The representatives were rude. I spoke with XXXX ( XXXX ) and a manager name XXXX XXXX ( XXXX ) thus took place today XX/XX/2022 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I made 2 XXXX transactions from my Chase checking account, XXXX payment of {$2000.00} ( XXXX ) and another of {$500.00} ( XXXX ) totaling {$2500.00} to XXXX XXXX XXXX ( XXXX ) as up front payment for the construction of a commissioned bathroom vanity. I purport that XXXX falsified his ability to deliver the project, did not deliver any product, and has stolen the funds. I would like to recover these XXXX transactions. 

On XX/XX/XXXX I opened a case with Chase reporting this fraud. Chase immediately closed the case and told me that they would open a case with XXXX. They also told me to submit evidence via fax to XXXX which I did. When I called Chase again to check on the status of the case, they told me that there is no actual way to submit evidence since that number is for Chase and not for XXXX. Chase has denied responsibility for resolving this issue. XXXX also defers responsibility of this issue onto the bank and does not respond to communications. Meanwhile, XXXX is also partially owned by Chase and they are all providing no way for consumers to receive any remediation for rampant fraud that utilizes this product. 

Upon further research, XXXX is a thinly veiled third party product integrated in banking apps. It provides unclear resolutions for consumer transactions which I suspect may be in violation of Regulation E. Having no means of fraud resolution for an " easy '' payment service is harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
Responded to repeated offers from the lender for a refinance to reduce my interest rate. Mortgage is held by the same lender. Completed application on XX/XX/XXXX. Application was cancelled without explanation 2 days later. Complained and application was re-opened on XX/XX/XXXX. After dozens of phone calls, dozens of emails, was informed by phone at my initiative that my refinance application was closed on XX/XX/XXXX for " incompleteness. '' No explanation was given and repeated requests for information and reconsideration have not been answered. I have no received correspondence from Freedom Mortgage, nor any adequate explanation. 

Customer service for this process was non-existent and infuriating. I emailed repeatedly with questions about forms I was being asked to sign. Only once was there a reply. I was asked for the same forms by different people multiple times. I requested updates dozens of times and there was no reply. I received dozens of calls from " customer advocates '' who were unable to tell me anything other than the fact that my application was still in process. I escalated the case to find out information on what the issue was and those escalations were not followed-up on by XXXX. I did not receive any signed copies of electronic forms, written notification, or other correspondence. I was not informed of reason for delays or were my questions answered. In the end, I did learn from my HELOC lender ( XXXX XXXX  ) that they were in a dispute with Freedom over the subordination agreement. 

Because of the 6 month ordeal with this application, interest rates have increased substantially and Freedom Mortgage has caused me a loss of opportunity in excess of {$15000.00} dollars.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX violated my rights. 

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.

15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX has violated my rights. 



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 explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting In accordance with the Fair Credit XXXX XXXX Account # XXXX is violating my rights. 

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.

15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location 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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: VA

Complaint narrative:
this is in regards to dishonest company known as XXXX XXXX XXXX ''. A company that serve as a credit building tool where you get a secure credit and after you pay it off thy report it as paid and will refund you the deposit put initially. 
I have a screenshot of the promise that my payment was being processed on XXXX and that is only gon na take 1 to 2 business days and I've attached it along with the policy page. 

Unfortunately for my case they are refusing to refund under the pretext that I need XXXX issued passport when their own policies outline that for XXXX XXXXXXXX citizen a passport number and country of issuance is all that is required to verify my identity. 
I have sent them my XXXX passport a month ago and every time they promise that a supervisor or higher up will call me back but they never honored their promises. I'm literally using the policy on the website to get them to follow their own and its not helping as they that incompetent. 

One agent by the name of XXXX have agreed with a 100 % that passport I sent is all they need but claimed she is not the one who has the authority to release my deposit. 
I insisted that I wait on the line while she communicates with the back end to help come up with a resolution she told me follow up via email and hung up abruptly like the two other agent before her. 

The body of text below is from their website XXXX XXXX XXXX and it quotes : ''Types of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you : Your name Date of birth Address Identification number XXXX Citizen : taxpayer identification number ( Social Security Number ) XXXX Citizen : taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX( Return Receipt # XXXX ) Experian received my correspondence demanding they stop the illegal reporting of erroneous accounts on my Experian credit report. I never gave Experian permission to furnish my reports, Pursuant 15 USC 1681b. Furthermore, for Experian to share my information without my consent is aggravated identity theft. Experian broke the law and illegally updated the inaccurate accounts per Report number 1541-8051-10. Pursuant 15 USC 1681b ( A ) ( 2 ), I want to exercise my right as a consumer and demand deletion of these inaccurate accounts as my written instructions. Wilful compliance will result in seeking legal action.

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 2022-04-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX charged my card {$75.00} on XXXX. Then on XXXX they charged my card again for the SAME amount. I disputed the charge. The XXXX receipt that XXXX provided to Citibank references the XXXX trip. Yes, XXXXXXXX XXXX response proved my point. 

I received no goods or services for the XXXX XXXX charge. I painstakingly provided Citibank tons of documentation yet they still aren't able to process the information. They simply can't understand it. I just received a letter from Citibank that states they didn't receive a " complete response '' among other falsehoods.

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 2022-04-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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 explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SHOW LESS

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 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XX/XX/22 I discovered the debt on my credit report XX/XX/22 I reached out to the original creditor, XXXX XXXX XXXX, to confirm the debt. They confirmed that the amount had been owed, but that I would need to call Consumer Collection Services to determine current balance owed. 
XX/XX/22 I reached out to the current creditor Consumer Collection Services ( CCS ) at XXXX Upon reaching the current creditor, I offered to make a settlement. They advised that doing a settlement instead of a full payment would negatively affect my credit report. So I made a full payment. During this process, however, I advised that I needed some sort of proof that I made a payment to the company in question. They advised that proof of payment wasnt available for 8 days after the payment processed. They did offer to give me a confirmation number, which I thought was going to be electronically provided to me because they asked me to enroll in their email notification program. 
Once the payment processing was complete, I found out that they were not going to provide the confirmation number electronically, and they would only provide it verbally. 
I escalated to a supervisor, because I needed proof of payment to provide to an apartment complex I am trying to live at. Once at the supervisor, I advised of the situation and she said there was no way for her to provide that information. I thought this was kind of weird, so I asked for proof of payment. She refused to provide me proof of payment saying that now that the account has been paid for she had no way of providing me the requested documents. 

She did offer me to send a letter by mail to CCS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX however that was only after I started demanding proof of debt, and that again doesnt help me prove even that the debt is real much less that the debt was paid within the 5 days I have to move into a new apartment. According to the supervisor, once an account is closed there is no way for them to provide records whether or not I mail them anyway so why would I waste my time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
XXXX, XX/XX/XXXX. 



Dear Sir/Madam, I need your help to reach Paxful. 


Background : XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX The company offered investment services with the goal of robbing and defrauding clients. I lost XXXX, XXXX XXXX which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : I opened an account with Paxful for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXXXXXX XXXX to XXXX. ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXXXXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX  XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. 
( Attached file : Police report ) XX/XX/XXXX : Sent an XXXX XXXX Letter to XXXX and Paxful. 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to Paxful ) XX/XX/XXXX : Answer from Paxful ( Attached file : Paxfuls answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from Wise ( Attached file : XXXX  answer ) XX/XX/XXXX : Sent Police report to XXXX  XX/XX/XXXX : Confirmation from XXXX  ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to Paxful. 
( Attached file : XXXX XXXX to Paxful ) I have tried to get help from Paxful and XXXX without any success. Can you please help me? 


Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Please send me the original contract with my signature and the lender 's signature on the contract. PLEASE DO NOT SEND A COPY. 

Please provide an audit trail for the alleged debt as well to validate the debt.

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