vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello, I had a credit card from XXXX XXXX  ( last four digits of the account XXXX ). On XXXX XX/XX/2022 I purchased an airline ticket ( in the name of my mother XXXX XXXX ) from XXXX XXXX using the XXXX credit card - the charge was {$970.00}. 

After that XXXX sold/transferred their retail banking to Citizens Bank and my credit card account was transferred to Citizens bank XXXX but the credit card number had changed. 

I had to cancel the travel and XXXX XXXX have refunded me the amount, that I have paid for the ticket, to the original form of payment, i.e. into the XXXX credit card account ( last four digits XXXX ). The airline sent me the confirmation that they have processed the refund ( {$970.00} ). 

However, I no longer have access to my former XXXX credit card account and the account itself no longer exists at XXXX, as they told me several times. Therefore, I didn't receive the refund. I have called XXXX 3 times over the last 2 months and they refused to do anything, as they claim that my account was closed. 

I did not receive the refund on my Citizens bank account either. The records on the Citizens bank website show the original transaction for purchasing the airline ticket on XXXX XX/XX/2022 with the reference to the " old '' XXXX credit card number ( last four digits XXXX ). But there is no refund from XXXX XXXX on the Citizens bank account. 

I called Citizens Bank 3 times over the last 2 months and they kept telling me that they would investigate the issue and would respond- but I never heard from them. So at this time I exhausted all my options. 

It was not my choice to switch from XXXX to Citizens - it was a decision of XXXX and Citizens and I am fed up of wasting my time trying to get my refund and falling a " victim '' of their dysfunctional and inefficient handling of customers ' financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unfortunately a few months ago one lady she called me at XXXX XXXX and she asked me for invest some money on XXXX XXXXXXXX and after a few months she asked me to transfer all my amounts and balance to exchange currencys company with their app, but every thinks was good, and every day my amount and my assets grows up and finally when i decided to withdraw my money i got scam, and i saw it was completely i fall in prey, and now I dont know what shod i do, i called many times with crypto and my bank wells fargo, but they dont have any solutions, this was around {$80000.00} and I invested into crypto then with digital wallet i sent to that comapny exchange curreny name was facoinplus.com So now i have nothing i am in red and broke, i lost my job my house, i XXXX  in the car for XXXX  months and i have nothing to do, please help me,

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 2022-09-23 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 — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
CFPB + ACI, I received mail from ACI that I owe a debt I do not recognize. I am requesting validation of this debt- please see below and attached. 

Attached to this complaint are : - drivers license - for ID as well as address To whom it may concern, On a recent review of mail, I discovered ACI, claiming I owe a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: VA

Complaint narrative:
This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over XXXX XXXX XXXX. 

This is in violation of 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 15 U.S.C 1692c ( a ) Communication with the consumer generally 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

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 2022-09-23 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: NC

Complaint narrative:
According to 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : 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 : States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 with antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022, I did XXXX XXXX transactions, {$190.00} each, through my Chase app which were errors. I contacted my local Chase department the next day and was told that the transactions could be canceled and the money should be returned to my account once the transactions were cleared. 
I called the bank 's online support on XX/XX/XXXX, and explained the situation, and asked to reject the error transactions. I filed a claim under XXXX XXXX XXXX, XX/XX/XXXX, Chase sent me a notice that they were not planning to resolve this issue or return the funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NC

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, 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a XXXX XXXX Business account that I recently closed down. The entire account is closed and has been for several months. But every month XXXX still charges my account {$6.00} and every month I dispute it but then the next month Chase Bank lets XXXX take another {$6.00} for absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
Hi, I bought my home and borrow {$400000.00} from XXXX XXXX XXXX, loan number XXXX. Closing date XX/XX/2022 After I sold my old house, I paid {$350000.00} in XXXX and also paid XX/XX/XXXX due monthly payment of {$3700.00}. That went to principal {$2900.00}, escrow {$640.00} and only {$180.00} to interest due to XXXX payment made in XXXX. 
XXXX XXXX XXXX then sold my loan to PennyMac and they did not send any payments I made to them to PennyMac. I tried calling both sides several times and no one wanted to do anything. Because of it, my XXXX payment to PennyMac had to bear the full interest of {$400000.00}. I called again and they add XXXX payment dated XX/XX/XXXX, so I still have to pay the interest of {$1500.00}, instead of {$180.00} I am stuck between 2 companies and it took me too much times, but as of now, I still lost more than {$2700.00} as a result of this transition. Attached are my XXXX monthly statement from XXXX told me I had {$47000.00} principal balance, while XXXX monthly statement from PennyMac told me I owe {$46000.00} AFTER I already made XXXX payment. 
My calculation I should owe PennyMac XXXX now, not {$46000.00} And my lost is {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: MOHELA
State: CA

Complaint narrative:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This item with XXXX was paid off for deletion and it is still showing on my credit report. This item should have been deleted. 

This is in violation of the following : 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 15 U.S.C 1692c ( a ) Communication with the consumer generally 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

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 2022-09-23 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: GA

Complaint narrative:
According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified accounts .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CASHCALL, INC.
State: CA

Complaint narrative:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: PA

Complaint narrative:
I have called Transunion on three different occasions at XXXX to dispute incorrect personal information attached to my consumer profile. All three calls ended up in either a purposeful disconnect or a broken promise to remove such items from my report. The agents ask for personal information and end up disconnecting the calls. You're violating Federal laws. This is my last attempt.

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 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Recovery Management
State: FL

Complaint narrative:
On XX/XX/2020 at approximately XXXXXXXX XXXX. representative XXXX of fox Collection Center, answer the phone from XXXX XXXX and stated he was on a recorded line. I attempted to explain that I had received a letter in the mail and was trying to find out what was going on, XXXX asked me to verify the last four of my social security number. 

I was confused as to why he was asking me that and when I attempted to speak further into the matter, XXXX of Fox Collection Center threatened that if I did not tell him the last four of my social security number he was going to terminate the call. 

Making threats to Consumers to get personal financial information if they don't answer questions is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: LEXISNEXIS
State: MO

Complaint narrative:
XXXX is the credit rating company that my auto/home insurance company , XXXX XXXXXXXX XXXX uses to set rates for its insured members. During an annual review from CC, the letter mentioned that our rates were higher because of the credit rating from XXXX XXXX Having just secured a loan for the purchase of a new XXXX and having secured one of the highest credit ratings the seller had ever seen, I found this news disturbing so I contacted XXXX, got a copy of their report and asked them three times to change their credit assessment. Each time, I got a form letter saying they could not " authenticate my identity '' and that the info I supplied -- addresses, copy of my driver 's license, phone numbers, credit card companies, mortgage company and bank addresses, etc. were " not legible '' even though typed and copied clearly. I gave them all the info they asked for in a two-paged typed letter, including the last four digits of my SS number, passport, copy of my driver 's license, etc. No action from them, just another form letter. In addition their report was filled with inaccuracies, omissions and blank pages and shoddy research. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: VA

Complaint narrative:
This item with XXXX was paid off for deletion and it is still showing on my credit report. This item should have been deleted. 

This is in violation of the following : 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 15 U.S.C 1692c ( a ) Communication with the consumer generally 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

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 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
The company advertises as a flex loan. When payment arrangements were made the company debited 2 payments within 1 week of each other without consent or contact. They do not make calls in regards to any balance, they just debited my account without any consent and would not return payments causing numerous overdraft fees. They also did not disclose that payments would triple when adding any additional to loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
in accordance with the fair credit reporting act transunion, XXXX and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer 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 ope end consumer credit plan as late for any purpose.

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