vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: OLD NATIONAL BANCORP
State: TX

Complaint narrative:
Reference to our previous correspondence to Old National dated XXXX/XXXX/2022, and your ticket # XXXX Sale of XXXX accounts to XXXX dated XX/XX/XXXX2022 and your Client Response Teams XX/XX/XXXX2022 response via the Consumer Financial Protection Bureau. 
Today ( XX/XX/XXXX2022 ) my wife and I both received two identical letters from Old National/UMB jointly XXXX dated XXXX and XXXX describing the process and timeline of transferring the existing accounts to XXXX or another XXXX custodian . 
Despite the concern we raised about a forced liquidation of our investments thereby potentially realizing steep losses it appears that Old National/UMB will not permit its current customers to transfer our investments in-kind to another XXXX custodian, Ref XXXX Letter dated XXXX/XXXX/22, page 5 ; What if I do not want my Old National XXXX to transfer to XXXX?, subsection XXXX you Old XXXX HSA to another qualified HSA XXXX XXXX Please note, all XXXX  investment asses must be liquidated before the transfer to the new HSA XXXX can be completed. It is unclear why an in-kind transfer can take place between Old National and XXXX but not between XXXX XXXX and another XXXX custodian XXXX 
We would like to believe that the above statement was included in error. We request your immediate clarification. 
It is our intent to have our accounts transferred to XXXX. Since you state that the Last day to request your Old National XXXX be closed or transferred to another XXXX custodian. is XX/XX/XXXX4, we will start the process immediately. Please also be advised that on XXXX website they clearly state that they ;. make it easy to transfer..mutual funds and other security types without needing to sell your holdings. 
We are convinced that we are not the only current account holders with Old National that would realize losses on our holdings if XXXX XXXX insists on the forced investment liquidation. This will not reflect positively on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
PayPal and I have a dispute over {$1500.00} they gave me - not a direct part of this complaint, but I contend that it is the cause of PayPal 's criminal actions against me. Please note that their criminal acts also prevent me from addressing the matter.

This complaint addresses a recurring criminal act- PayPal will not allow me to log in to my account. Complaints to your office result in a single login and the block is returned.PayPal 's criminal act of blocking my online access is interfering with my financial relationship with a third party. I am harmed by PayPal 's criminal acts.

When I can log in to PayPal.com when I see fit to do so, I will fulfill my obligations to PayPal. Because I can not login to PayPal.com, I am harmed and demand immediate remedy.ect me to be stupid.

PayPal will tell you - as they have told me - that this is a website error. IT IS NOT. Please do not expect me to be stupid.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Today after trying online, via text, automated phone and a live agent, Equifax would NOT freeze my credit report after I told them I received a credit card in the mail the other day, that I never applied for. I called credit card holder " XXXX '' whom closed the account and was told it was opened online in VA on XXXX/XXXX/22. I live in PA with my family and work in PA. I've also seen other hard inquiries on my credit report that were not initiated by me. I froze my XXXX and XXXX in minutes yet Equifax was asking me to provide every single open, closed and collections account under my name, with balance & payment amounts, open and close dates and so on and so on. When I could not recall one account that they asked info for, the female agent said she could not verify my identity! I answered dozens of questions and yet she refused and then put me on a hold that was never picked back up. How do I go about filing against Equifax and holding them responsible for keeping my credit report vulnerable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
This debt was opened fraudulently in another state that I do not reside in. I have contacted Contract Callers via certified mail to validate and verify the alleged debt and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: IL

Complaint narrative:
I contacted the credit bureau when i noticed i had several inquries that didnt belong to me XXXX called. They told me to notify in writting. i did so and all they said is they sad was send my id card and a bill with my address which was not true. my info is on the dark web i sent them the info. im contacting again because i just recieved inquiry on my credit and called and they did same thing. 

please help

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 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX program through my servicer, Mohela, on XXXX/XXXX/2022. The application included three employer certifications with over 12 years of qualified service. My loans were originally held by XXXX XXXX then XXXX and finally consolidated with Mohela. Mohela on XX/XX/2022 sent a letter denying my application stating only 4 payments were eligible and 0 were qualifying. Mohela appears to have ONLY considered the payment due dates since the they took over loan servicing. They are NOT including all the previous payments with the other two loan servicing organizations. This action is in clear violation of the current PSLF waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
Hello, My federal student loans were recently switched over to Mohela last month. I am enrolled in the XXXX program - currently with XXXX approved monthly payments. 

On XX/XX/2022 I submitted an updated XXXX form in order to update my qualification status towards the 120 monthly payments. 

On XX/XX/2022 I tried calling the Mohela XXXX help line to see what the status is regarding the form being reviewed, as my online account says the form is still in processing. However, I ran into an issue with the customer service prompt when calling Mohela. 

The Mohela automated call system required me to enter my social security number and date of birth in order to proceed to speaking with an actual agent. I entered this information into my phone when prompted, but the automated system said I also did not have an active account ( despite the fact that I can log into a Mohela account and see my information ) and it sent me back to the beginning asking for the information again. I tried entering this info a few times but was unable to get through. 

Just in case there was an issue with the PSLF system, I tried calling the regular Mohela ( non PSLF ) help line and was asked for the same info from that automated system. 

I am requesting help from the CFPB because we can not get in touch with an agent, I am now concerned that my XXXX form may not have been received, and that there may be a potential issue with my account, as the automated system did not recognize my SSN & DOB. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: MO

Complaint narrative:
My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to XXXX this is not my dad I have disputed it with all three credit bureaus and XXXX without investigation or providing any proof says the debt is mine and the credit bureaus believe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF THE WEST
State: MO

Complaint narrative:
This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account

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 2022-10-17 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: CA

Complaint narrative:
These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gatestone & Co. International Inc.
State: CT

Complaint narrative:
GATESTONE CO & INC has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a fact GATESTONES CO is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXX has charged off the alleged debt and has sold it to GATESTONE CO. GATESTONE CO has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640. I have tried to settle the matter IN GOOD FAITH and GATESTONE CO has ignored me and tell me they do not fall under the FDCPA and that they are not a debt collector which is false and misleading. I have DEMANDED validation of debt under 15 USC 1692g and GATESTONE CO has failed to validate accordingly and state they do not have to validate according to Federal Law. I am tired of dealing with this debt collector and they have caused me damages in the form of mental stress and physical tiredness. I have been lacking sleep and not eating well because of the misconduct and failure to respond to me accordingly by GATESTONE CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Bureaus Inc nor received any goods, services, or money in relation to any account associated with the Bureaus Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent letters to Equifax over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX has broken the law UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX XXXXXXXX XXXX XXXX MY REQUEST TO RELEASE INFORMATION TO YOU ACCOUNT RESOLUTION CORPORATION I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX ) Under the health insurance Portability and Accountability Act of 1996 ( HIPPA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting COPORATIONS. 

Please send above requested information to the address above. 

This complaint is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In Accordance with Fair Credit Reporting act all these accounts have violated my rights XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXXXXXX 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 15.U.S.C 1681 section 602 A. States that 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

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account

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