vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
XXXX and is {$1500.00} for a XXXX XXXX XXXX. Service received XX/XX/XXXX I had two forms of insurance at the time of service : XXXX XXXX and XXXX. For the past two years, Id been caught in between both medical providers for the service I received. When the smoke settled and I thought Id received my last bill, I got an alert on my credit report that on XX/XX/XXXX, I had an account go into collections for this same service. After researching it thoroughly with both my insurance providers, I learned that neither one was presented with the opportunity to pay this bill. 

I was pretty shocked that while Im trying very hard to build my credit back, I could be negatively affected by this type of surprise billing practice ; thinking this is a federally regulated practice to protect people. This doesnt seem to be the fault of CACI XXXX from what I can ascertain, but that the medical provider billing department didnt send it to insurance ; just you all. I ask that you all remove this collections from my credit report and allow my insurance companies a chance to pay what they owe first, then come to me with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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.

Complaint narrative:
My bank Chase Bank issued an debit card not requested by me because I have my debit card with me and I use it often to withdraw cash overseas. When I looked at my online bank statement on XX/XX/2023 and XX/XX/2023, I found that there are fradulent charges over XXXX on my debit card made in businesses in New York state. I called Chase immediately to report the charges and file a complaint to get refund on the charges. That's why I found out that Chase has issued an debit card to someone other than me. Chase rejected my complaint and refued to refund me the stolen money from my checking accounts. Employees at Chase have not been helpful and refused to give us any information when and how the debit card was requested. I am sad regarding how a big bank handled my complaint and taken advantage of us weak customers. I hope that cfpb will help me find justice and have the bank return my living savings to us. In addition, I have filed compalint with the FTC and New York Attorny General Consumer Frauds Bureau. Below is the list of fraudulent charges with date, business name and amount. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , Balance owed {$1100.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I XXXX XXXX chime account ending XXXX was hack and card information was stolen The theft was able to make multiple transactions {$5400.00} was stolen from my account the theft was able to load there debit card to my account ending XXXX i have sent those document in to chime as the requested. i have been trying to gain access to my close account I have been close since XXXX XXXX i have told them that my card information and my account was hack in the theft was able to change my personal online information link there debit card without my authorization. They were able to steal {$5400.00} where my funds are. my account was closed due to the theft fraud My account loaded their bank card then removed their card from my account please help me get my {$5400.00} back. I have provided the theft bank card in a bank statement from the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
{$1100.00} XXXX XXXX XXXX Current Last Updated : XXXX XXXX, 2023 Account Information Account Status Open Account Type Collection Account Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I didnt not agree for my personal information to be solicited or sold to this collector Nor did I agree to this collector to report to my credit report using my personal information This is identity theft fraud as I did not hold any debt with this collection agency This form of identity theft and unlawful credit reporting is keeping me from buy a home and my ability to secure personal loans and or credit supporting my small businesses with business loans and or credit

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I previously use XXXX XXXX XXXX in XXXX. On XXXX, 2022 my lease expires and I move to XXXX  . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I previously use XXXX XXXX XXXX in NJ. On XXXX, 2022 my lease expires and I move to XXXX . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I received a bill for {$13000.00} from XXXX XXXX due XX/XX/2023. On XX/XX/2023 I submited to Charles Schwab bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 XXXX XXXX cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with XXXX XXXX they state they cash checks on the day they receive them so they are not responsible. 

In talking with Charles Schwab they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. Charles Schwab states they are not responsible because they mailed the check in plenty of time to get to XXXX XXXX. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. I requested from Schwab to pay XXXX XXXX in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did XXXX XXXX misplace the check and cash it late or did Schwab send the check late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Once again the PNC Branch located at XXXX XXXX XXXX XXXX XXXX Pa XXXX is displaying vindictive behavior because I reported their Window Clerk XXXX for purposely having her shirt buttoned opened way too much now on today at this same branch I was unable to use my Debit Card to deposit money into my Savings Account. I went inside the Branch and the Security Guard was illegally playing the role of the Bank Host and he got the Bank Manager and inquired her of the matter and she verbally stated that this wasnt her XXXX problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
FREEDOM MORTGAGE IS ACTING WITHOUT AUTHORUTY. THEY IN XXXX  LOST THEIR BUSINESS TO A COURT ORDER WHERE THE XXXX  AND XXXX SUED THEM AND ALL CORPORATIONS. THEY ARE NOW CONSIDERED DEAD, A CORPSE, WITHOUT ANY RIGHTS BY LAW TO BE A MORTGAGE LOAN CORPORATION. THEY HAVE NO RIGHTS TO BE IN OPERATION IN THIS COUNTRY SINCE XXXX XXXX. SO ALL BUSINESS ENTERED INTO AS THIS ISCORPORATION NULL AND VOID. AS THEY ARE NULL AND VOID. THEY DO NOT LEGALLY EXIST ANYMORE SINCE XXXX XXXX. THEREFORE, WHY ARE THEY STILL BEING ALLOWED TO XXXX PEOPLE OF THEIR HOMES. THEY CAN NOT BE ALLOWED TO DO BUSINESS IN THIS COUNTRY OR ABROAD FOR THAT MATTER... PLEASE ENFORCE THE LAW ... STOP THEM...

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 2023-05-18 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Hyundai Auto Finance does not give borrowers an opportunity to make a principal only payment. The one time I was able to get through to someone, they told me I had to call each time I wanted to make a principal only payment. I have tried to call several times since then, but I could not reach a person. Each time I waited >90minutes in the queue but had to hang up to return to work. I dont know many people who can stay on the phone for 2 hours waiting to be served. 
Making borrowers wait hours to get someone on the phone to make a principal only payment, seems like an attempt to discourage early payoff. They statements don't include an area to indicate a principal only payment, nor does their website. Auto sales and finance should be regulated like the mortgage industry. 
https : //www.hmfusa.com/

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 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Goldman Sachs regarding their arrogant, unreasonable, and unlawful practices regarding my credit card and saving account. 

Recently, I applied for a Goldman Sachs credit card through Apple and also opened a saving account. When I attempted to withdraw cash back from this card, I discovered that the card was issued in the name of XXXX XXXX, while my legal name, as stated on all my identification documents and XXXX XXXX records, is XXXX XXXX. Consequently, I am unable to make withdrawals. 

I have made numerous attempts to contact Goldman Sachs to resolve this issue, but they continuously transfer me from one customer service representative to another. 

I explicitly pointed out that the problem lies with Goldman Sachs using a name that has no legal basis to open my bank account. I spent a considerable amount of time proving this by calling my bank, XXXX. I fail to understand why Goldman Sachs can not simply change the name on my credit card to my legal name. 

When I was transferred to another bank representative, they informed me that if I wanted to change the name, I would need to provide court documents as proof. 

I am utterly perplexed. It is clear that Goldman Sachs made the error in my name, yet they expect me to provide court evidence. All my legal documents, such as my U.S. driver 's license and Social Security Number, bear the name XXXX XXXX. How can I provide court evidence to change my name to XXXX XXXX? 

The actions of this bank are not only arrogant but also illegal. They have allowed me to deposit money into an account with a name that lacks any legal supporting documentation. Furthermore, they unreasonably demand that I provide court documents. 

I urge the relevant authorities to closely monitor Goldman Sachs. They attract funds with high interest rates of 4.15 % while maintaining chaotic management. Such circumstances often lead to misappropriation of funds. For the safety of the U.S. financial system and the security of all small clients, it is crucial to expose this menace. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got a couch from XXXX XXXX almost 3 years ago. They financed through Wells Fargo, Ive been consistently paying however, the balance hasnt changed. I reached out to them because for years I wasnt receiving any statements. They had a email on file that wasnt familiar, they claimed they tried to email me but never were able. I asked about the high interest. They said they told me it was 0 % for 12 months. Ive looked on credit report and I still see the same balance. Customer service, were very dismissive and I never got an answer as to this loan that hasnt moved. Wells Fargo has been managing and doing what ever they want in customers accounts

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 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Original Creditor Company Sold Account Type Cell Phone Date Opened Open/Closed XX/XX/XXXX Closed Status Status Updated Collection account. {$2400.00} past due as of XXXX XXXX. 
XX/XX/XXXX Balance Balance Updated Paid Off {$2400.00} XXXX XXXX, XXXX Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 It is legally for XXXX XXXX to charge off a credit file the loss on their and paid by taxes XXXX XXXX can not continue to collect on an account that was paid by loss It is illegal to seek payment for debt twice It is also identity theft to continue to access my report using my personal information to report Derogatory information late payments charges or delinquent claims My rights to privacy have been violated.

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