vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordence with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
So the first issue is that I cashed my Pennsylvania XXXX XXXX XXXX XXXX  for {$520.00} and it was supposed to go on my Chime Card however that was back on XX/XX/XXXX and STILL it's not there and XXXX has proved the check was cashed and put in chime so I don't know what they have done with my money but they are very rude and ignore customer support emails and even hang up on the phone and this is really frustrating and then the second issue is there are unauthorized charges on my account two months in a row and they keep denying the dispute for them like how is this even legal? Something should be done for sure because it seems they steal money and one time they even claimed that they found the check and it was processing and it'd be in the account the next day and that was over 3 weeks ago at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CB1, Inc.
State: MT

Complaint narrative:
In XX/XX/XXXX, I gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were some issues surrounding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this issue was due to provider neglect. Further, none of the providers had followed up with me to check on my well being or explain why the traumatic experience had happen. 

After I was recovered from the XXXX I began receiving medical bills. I was in communication with the clinic on negotiating a payment, as my deliver seemed to not be properly billed to insurance. Additionally, I have communicating to the clinic about how I shouldn't be responsible to pay for a delivery that resulted in a very negative experience. 

Not shortly after the delivery, my medical bills were sent to collections. Within the short period of time that they were in collections at CBB, inc XXXX XXXX XXXX, I was in communication with the debt collector. I had notified them the issues surrounding insurance and that fact that I was working with insurance and the clinic to resolve my debt issues. 

On XX/XX/XXXX, I received a notice that legal action is being taken against me. I do not believe that CBB Collections has sufficiently put forth an effort in contacting me before taking legal action. Additionally, I had been the one to make the initial phone call to arrange a payment plan in XXXX of XXXX, which I had done. When I spoke with the debt collector on XX/XX/XXXX, he had mentioned that the payment plan wasn't complete and I had failed to sign a contract implementing the payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 have not supplied proof under the doctrine ofestoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
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 2022-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: TX

Complaint narrative:
My wife and I both have XXXX accounts with Old National Bank. The funds have been invested in various mutual funds for several years. Earlier this month ( XXXX ) we became aware that Old National Bank is in the process of selling its XXXX business to XXXX XXXX XXXX with an expected closing in the XXXX Quarter of this year. We have no concern with this sale/transfer of our accounts EXCEPT that if the transfer means automatic liquidation of our funds with a subsequent transfer of cash to XXXX we will likely involuntarily be forced to accept investment losses. This is not acceptable. We saved for years and want to control as much as we can when to liquidate our investment holdings. 

On XX/XX/XXXX I informed Old National Bank of our concern using the secure message option on their website. They assigned a ticket number XXXX to our case. Today I see that our request was simply ignored ; " This ticket has been closed '' took place XX/XX/XXXX without any response whatsoever. 

We have not been able to locate any information about this sale on Old National Banks ' website.

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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022, I ordered a XXXX XXXX from XXXX website using my PayPalXXXX account for payment. Payment was made by PayPal to XXXX on the XXXX of XXXX. I have sent emails to the XXXX company and PayPalXXXX to indicate that I had not received the item, or even the shipment status, and was cancelling the order. PayPal responded that they would not refund me the payment and that I had to deal with the merchant. No response has been received from XXXX to date, XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2022, I received a letter in the mail with a Visa Debit Card stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. On XX/XX/2022, I called and email Netspend and XXXX. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter. 

On XX/XX/2022, XXXX XXXX of Netspend contacted me because of CFPB complaint XXXX. In her email to me, she stated that a second account was opened : this report is for the second account. The account was opened at a XXXX location. 

XXXX stated that she would close the accounts and prevent my name, address, and social security number from being used to open additional accounts at Netspend. This action does not go far enough as Netspend, XXXX, and XXXX allowed for the use of my personal information, including social security number, to allow for fraudulent activity to occur on an account I did not open. Netspend, XXXX, and XXXX failed to require proper ID for the opening of the accounts. 

It is unknown how the individual opening the account had access to my social security number.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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.

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 2022-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: OH

Complaint narrative:
equifax violated my concent and privacy. us code 15 ch 41 sub ch 3 1681 ( a ) 3 and 4 1681 ( b ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
There are closed accounts that appears to still be on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I engaged with an XXXX account that I believed could help me make money off of cryptocurrency. The XXXX account was @ XXXX. We engaged in a conversation and I set up an initial investment of {$1000.00} with her. I used zelle, through my XXXX  checking account to send the initial transaction of XX/XX/XXXX to the email of XXXX, name on the account XXXX XXXX. The {$1000.00} investment was then sent to a account called XXXX. I saw the money grow very quickly and then proceeded to make 2 more transactions, a {$1000.00} each to XXXX. 

I then got a message saying that I needed to send another {$2000.00} to retrieve the money that I had gained. I also got an email from the XXXX about this. So sent the money thru Zelle once again. I then realized this was a scam and wasn't going to get my money back. I filed a police report with the XXXX XXXX Sherrifs department and an investigation report with XXXX bank. XXXX bank did their investigation and didn't find it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Finmax Smart Capital LLC
State: MN

Complaint narrative:
Continues to text/call me an d my family asking for location information on myself. Robo calls with no information but to call the number left so I can be located this has been going on for months. I am sick of myself and my family getting harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, Transunion and XXXX received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

XXXX Sent an email asking to verify information they already have to furnish my credit report Transunion-I called them and they sent me to a specific agent that would not say anything once we were connected.

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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My PayPal account was closed without proper explanation. 
Since I still had funds in the account, I had requested PayPal to refund the parties paying me on my account, but PayPal refused. 
XXXX, XXXX and XXXX all stated I would have to have the other party file a dispute to get their money back which will occur a dispute charge fee. This was on a phone call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. 
Explained several times to PayPal rep, it makes no sense for taking my ability to return the money to the other party if my account gets closed, and wanting to hold my money for 180 days. 
I understand the 180 days hold if I wish to keep the funds, but that is not what I am asking for. I do not want the money, I want to return them to the other party period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I got a notification text from a company called " Halsted Financial '' telling me I can save money on my XXXX XXXX XXXX XXXX. '' account. I have no idea who XXXX XXXX  is, so I called, assuming this was a phishing attempt. They told me its for an account that is over 7 years old ( XX/XX/XXXX ) with date of delinquency being XX/XX/XXXX. This account has passed the states 6 year Statute of Limitations and the credit bureaus 7 year Statute of Limitations. 

I remember seeing this account on my credit report years ago, and I disputed it several times and requested original documentation to no avail. It finally dropped off due to the statute of limitations. Well, I guess XXXX XXXX  sold the debt again to Halsted Financial Services on XX/XX/XXXX and they are trying to collect this debt again, despite it being past the statute of limitations. Halsted didn't even look at how old the account is before continuing to contact me. I had to point it out to them and that i requested no contact. I contacted XXXX XXXX XXXX and they said that they were not given the delinquency date, and its not listed on the account, so I would have to get it from the credit bureaus. I told them this account fell off my credit report last year due to statute of limitations, so the credit bureaus probably wouldn't have that information, but Halsted Financial was able to give me the date of delinquency from XXXX, so I gave it to XXXX XXXX  ( i find it odd they dont have that information but are selling the debt still ). XXXX XXXX  informed me that they could keep calling on the debt, but that it cant be reported to the credit bureaus anymore. I told them that I fought to have that charge removed for years, and it was only removed because of the XXXX, so i would like them to stop trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Complaint against Hyundai Motor Finance ( HMF ) I am complaining against Hyundai Capital America aka Hyundai Motor Finance ( HMF ) ( which is related to Kia Motor Finance ), which adversely affected my credit which resulted in me being denied credit by some auto dealers, humiliation and defamation, for which I am seeking relief and damages. 
In or about XX/XX/XXXX, I had signed a lease with Kia motor finance to lease a XXXX vehicle. According to the lease agreement my monthly lease payment was $ XXXX for a total of 36 months I paid all my monthly lease payments as stated in the lease agreement. 
Somewhere in the middle of the lease period ( after over a year into the 3-year lease ), Kia started harassing me that I needed to pay a few XXXX dollars more. XXXX claimed this was some additional ( property? ) tax I needed pay. However, I was not the owner but a renter of the automobile and the lease clearly stated my obligations were as stated on the lease, namely $ XXXX for 36 months which I was paying or would pay as per the agreement. 
Then, Kia ( aka Hyundai ) apparently reported me to credit bureaus as being delinquent on my auto payments by a few XXXX dollars. 
Recently, in XXXX XXXX, when I was shopping around to get a new vehicle, I discovered that Hyundai had adverse information about me in my credit reports because of which some auto dealers denied me credit. 
My credit report also showed multiple hard inquiries from Hyundai/Kia dealers or other financing entities which also adversely affected my credit scores. 
This caused me great stress, XXXX  and distress and harmed my credit standing and ability to purchase or lease a new vehicle that I wanted to.

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 2022-08-31 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have reached out to the company directly and they told me they was not able to see anything in they system and they not sure of the problem and that I should call XXXX XXXX which I did and I freezed my account so nobody would be able too use my account because this account I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Was sent a collection letter and responded within 30 days telling them this debt is the rsult of identity fraud. It appears that someone obtained medical services in my name. I did not receive any treatment from the original creditor. 

Asked the collection agency to validate the debt by sending me a copy of the SIGNED agreement to pay them. Since I did not receive the services, I knew they would not be able to do so, and in fact they never validated the debt. 

The agency continues to report the debt to the credit bureaus, and is not noting in any way that the debt is disputed. 

The agency is also reporting this debt TWICE with the credit bureau, with the same exact dollar amount, but with different dates about 4 months apart. This makes it appear that twice as much is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT 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