vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I made a water bill payment on XX/XX/23 for XXXX. Chime said that the merchant declined the payment. When I asked where the money went-because it has not been returned to my account, they said they couldnt see a transaction. I was transferred 3 or 4 times and had to explain the situation multiple times in each conversation because they were not trying to be helpful. They were going to transfer me again but I disconnected. One agent said it was on the merchant, but if my money went to them why wouldnt it show up in my account? And if it didnt go to them, where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harpeth Financial Services, LLC
State: MN

Complaint narrative:
XXXX Advance Financial. First I admit I have a debt. Second They take cards used to make one time payments that have never been in there app and load into there auto collection system and attempt to empty bank account attached to it. They HAVE stolen funds from accounts not attached to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX XXXX Credit Card ( Synchrony XXXX ) that ends in XXXX. I am writing you today requesting support in resolving XXXX issues and concerns. 
The first concern and issue is that I have not been issued a refund ( {$240.00} ) to my credit card. A refund from XXXX ( XXXX # XXXX ) was issued on XX/XX/23 and cleared on XX/XX/23. When I contacted the XXXX XXXX number, the customer service operator advised me that a refund had not been processed and that I would need to contact XXXX for further assistance. I contacted XXXX, and they supplied me with some supporting documents and information that support my claim that I did return some items and that I was owed a refund. XXXX went above and beyond and supplied me with screenshots showing how the transaction was refunded. 
My second concern and issue is that I was charged twice for only XXXX item I purchased. I was charged {$77.00} XXXX for order # XXXX. When I first called XXXX, the customer service operator advised me that the sales associate at XXXX billed me twice by mistake and that I needed to contact them for a refund. I advised the operator that the information they provided me was false because I did not go into a storefront ; I placed this order myself on a website, and the invoice reflects only XXXX item purchased. 
I contacted XXXX again for support, and they confirmed that they only billed me for XXXX item on XXXX order that was charged to my XXXX XXXX Credit card, {$77.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google facilitated fraud with advertisements for and by facilitating payments to XXXX XXXX XXXX and subsidiary hardware manufactures and fraud companies impersonating hardware manufactures. The product never worked, I bought it twice, and the first purchase was literally to a non-existent pure fraud company that was impersonating a helium miner that bought google ads and appeared first on the web search. Additionally Google has been illegally censoring my speech when I speak against politicians ( for example, banned on XXXX for " harassment '' by writing a comment " XXXX obama '' which is constitutionally protected free speech ) and they have been censoring my search results and bard results when I seek legal advice. This is under CFPB jurisdiction because 1. Google took money from a fraud company impersonating another company that was offering financial services, which also turned out to be fraudulent, and promoted it on page one. 2. Google facilitated payment to the fraud company. 3. The relationship Google has with the XXXX and the funds the XXXX received from XXXX, which were stolen funds from creditors like me. The fraud company also received venture funding from XXXX, meaning that the google ad money that paid for the fraudulent advertisements commingled customer money that is subject to clawbacks. 4. The nature of the product at the heart of this transaction is a financial pyramid scheme that is part of the XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-08-01 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX case XXXX has been stealing my mail since XX/XX/XXXX. 2022. I contacted XXXX XXXX for months, the XXXX, the XXXX, XXXX and no one has done anything about the mail theft issues. Due to missing mail pieces ( to include my driver 's license ) I have missed out on my VA XXXX, attending jury summons, and other appointments. Due to XXXX XXXX intentionally stealing my mail, I am now dealing with possible deed theft as my deed/owner information is not showing up on the XXXX XXXX tax website. I am an XXXX American, female, Veteran.

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 2023-08-01 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I picked the closest catagories possible in the unusual incident. I lease a Kia Sportage, never have missed a payment in the XXXX  years since lease begain. Daughter was fully insured on the vehicle. Daughter found it to be stolen, reported it stolen. Police find it quickly impound the car,. XXXX Police Auto Pound never tries to contact me, only sent communication to title company which is Hyundai XXXX. Hyundai gets the certified mail and contacts XXXX Auto Pound, XXXXXXXX Auto Pound INCORRECTLY tells Hyundai the vehicle has been retrieved by person registered to, Hyundai moves on to next case. XXXXXXXX Police Auto Pound sells the XXXX  Kia Sportage XX/XX/XXXX. Never once was I contacted or given any opportunity to pick up said car or even know about it to need to pick it up!! Nothing. I have never missed payment, fully insured, then bam daughter driving the car... I learned that daughter had been evicted which prompted me to look up the car since her phone was not paid and shut off. To my dismay I see the vehicle listed and SOLD! Still to this day nobody has contacted me. I found this out on my own just looking it up when hadnt heard from daughter. My credit is very important to me and I cant believe I am faced with suddenly this car having been sold! what? I cant comprehend how this could happen but it did and I really need help.Have spent countless hours on the phone with Hyundai XXXX, XXXX Police Auto Pound and Kia Finance ... none of which plan to take responsibility and instead plan to send me a bill to buy an entire car that was sold without my consent. I am still making payments on a car that is sold in an effort to not mar my credit in the interim.

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 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I see that I have a debt in the amount of {$110.00} to Credit collection services from XXXX on my credit report but I have not received written communication or a phone call about this debt. I also never heard from XXXX about this debt. I have no way to contact them and have no idea why I have this collection on my account for owed money to an insurance company I had years ago. 

This is an unjust attempt of collecting a debt and a poor business approach. They have left me unable to do anything because I have no possible way of making contact with them to even find out what this debt is for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I went to XXXX XXXX to to clean my vehicle ( rental ). At some point I left my phone at the store.. due to the detailing it takes me a few hours to clean the car.. during this time I used my debit card to purchase gas still not noticing my ohone was gone. when I finally realized my phone was gone I went back in the store at which time a lady stated that someone just brought it up. I got my phone and went about my day.. a short time later I noticed a charge on my account paid out to a random email of {$200.00} and then a second showed up moments later while I was in my app of {$20.00}. I have disputed these charges as I am unaware of the charges or email associated. I have had this account for a few years and nothing like this has ever happened. I submitted a dispute for the charges and have received an email stating there was no error that occured.. yet my money is gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email : XXXX ). I firmly believe that this limitation was a result of an error, as I am confident that I have not violated any PayPal policies or engaged in any suspicious activities. 

I have been a loyal PayPal user and I have always strived to comply with all the terms and conditions outlined by PayPal. As an honest and law-abiding customer, it came as a shock to me when my account was permanently limited. 

I kindly request that PayPal re-investigates my case thoroughly to verify that no violations have occurred from my end. I assure you that there must have been a misunderstanding or misinterpretation of the account activity that led to this unfortunate situation. I am more than willing to cooperate fully with any further investigation to clear up any doubts regarding my account usage. 

My PayPal account is crucial for my daily transactions and financial operations, and I earnestly appeal for its restoration. I understand that security is of the utmost importance to PayPal, and I wholeheartedly support any measures taken to protect the platform and its users. However, in this particular case, I firmly believe that an error has been made, and I hope that you will give it a fair and unbiased reconsideration. 

I sincerely appreciate your prompt attention to this matter and the opportunity to present my case. Please do not hesitate to reach out to me if any further information is required to facilitate the investigation process. I am committed to resolving this matter and continuing to use PayPal responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: LA

Complaint narrative:
I am contacting you to request the prompt removal of specific accounts and associated information from my consumer report. It has come to my attention that these accounts should not be reported, and their presence on my report violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I kindly ask for your immediate attention to this matter to rectify the situation in compliance with the applicable laws. Please remove the mentioned accounts and information from my consumer report as soon as possible. Thank you for your prompt assistance.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a {$500.00} Vanilla Visa gift card for my son for graduation. When I opened the card, I realized it is defective ; some of the numbers have been removed from the card. 
It appears they were intentionally scratched off. The outside packaging was fully intact so the damage would have been done prior to shipping to the store. 
I immediately returned it to the store I purchased it from ( XXXX ) but they said I'd have to contact Visa directly. I then called the number on the back of the card. Although they didn't have a prompt for a defective card, I kept pressing numbers until I was finally able to speak with someone. 
The representative instructed me on how to file a complaint. I emailed photos of the card, etc., as instructed. 
The representative said the problem would be solved within 30 days. 
This was on XX/XX/XXXX, which was over 70 days ago. 
The company has not responded. I have emailed and called several more times but after long periods of holding the line, I am told they are working on it. Obviously they don't care that they sold a defective card. 
My son is leaving for college next week and needs the money. 
I'm not sure what more I can do. 
I'm hoping you will assist with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-08-01 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-08-01 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: NV

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.

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief