vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was online looking for different ways to make money and on apps asking for gigs. I kept getting scammers in my account for me to sell feet pictures and for online sugar daddies. Well one person was calm and understanding of my situation. They didnt ask me to do anything illegal and basically stated they just wanted to help and didnt live anywhere near me. I work fulltime in Law Enforcement, but my vehicle kept breaking down, my bank account was overdrawn, my apartment was giving me a hard time and job stress so I was desperate. So I entertained this person and ended up giving my account number, routing number, first and last name. I probably gave my city as well. But then he asked for my login and I joked a bit before I blocked him thinking he couldnt do anything to me. 

I played with fire out of desperation. I thought I could outsmart one because so many were messaging me. But I didnt realize how much I didnt know about scammers. 

I got a message like a week later saying my bank account was XXXX. I freaked out but thought I could just go to Huntington and have them cancel the payment. I went to the branch and didnt receive much help. Found out someone walked into a branch somewhere in the US and deposited the fake check in my account. So it bounced and now my account is being investigated for fraud and I lost any money I had. I also have no access to my account. 

I dont understand how someone was able to deposit such a large check with the wrong address and large amount when the bank account never had more than XXXX. 
I finally found pieces of information but the account is gone of course and the person doesnt exist. 

No information should be given to anyone. But now I have no way to do my banking and have to change everything, let alone worry about other things they have access too. 

The bank said there was nothing else that could be done and it would be 90 days of a frozen account. 
And no solutions or real help was offered. 

My account is now at {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc.
State: AZ

Complaint narrative:
Due to Hireright I have not been able to start working any jobs on the original start date. XXXX took three months. So I worked at XXXX  that paid less. It took two months to complete my background check for a temporary assignment with XXXX XXXX XXXX I had to get rental assistance, a pay day loan, and I almost lost my car. Now a permanent job at XXXX XXXX is doing a less stringent background and somehow the background check is again taking long enough that my original start date of XX/XX/XXXX wont work. Now I am looking at starting XXXX XXXX XX/XX/2021 due to Hirerights inability to complete my background check in a reasonable time. Due to Hireright I cant get a job without missing the original start date. I just want to get back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a check at my local bank on XX/XX/21 in my account for {$2500.00}. The lady at the office counter told me there would be no holds and that my money would be in my account on XX/XX/21. I wake up on XX/XX/21 and my check is on hold and I call the Bank of America customer service. They said they have to verify the check manually on their end and I wont have access to my money until XX/XX/21. They wont let me get my check back and go cash it elsewhere or provide the money in my account as provisional credit. I spoke with them multiple times through XXXX about this and they all said the same thing. So they are holding my money hostage whenever all I want is my check back. Or my money in my account. I have bills to pay and they want to steal my money instead.

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 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Around XX/XX/2020 I had a friend transfer money to a Paypal account I have. It was around {$600.00} dollars. I have not been able to withdraw this money since. I just want a check with my funds to be mailed to me but when tryingbto request my money paypal website leads you around in a circle. They want to redirect you to give more personal info and use their new banking sevices but I have a credit union that treats me fairly and has never held my money hostage before, so I want to stay with them. This is predatory banking and wrong. 

I was not able to get them on the phone ever. Nothing has been resolved yet. 

Also, since paypal is a bank of sorts they should offer a statement. It would be nice to request a statement for the life of my account to see the fees they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: FL

Complaint narrative:
XXXX XXXX XXXX emailed me informing me that the balance would be waived and all late fee 's would be removed to show the account settled in full as it should have been since XXXX. 

XXXX did their part up until today XX/XX/XXXX, I noticed Experian updated the account as " paid, was a charge off '' and ALL of the late payments are reflecting again. 

This is inaccurate on Experian 's part and I would like for them to resolve this ASAP as XXXX did their diligence and updated XXXX XXXX XXXX to report this. 

See attached new documentation for XXXX XXXX XXXX Account # 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 2022-02-18 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: TX

Complaint narrative:
I HAVE NEW UPDATED INFORMATION!!! 

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan, submitted a dispute to EXPERIAN and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. This is my third request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and each time I try to receive a response from EXPERIAN concerning this matter, they state that they need authorization to proceed with the complaint. In my opening statement of the complaint, I state my name and state that I'm submitting this complaint myself and that there's no third party involved, and if they need my authorization to proceed with the complaint, then they have my authorization to proceed with the complaint, yet they continue to ignore my complaint as a stall tactic. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my credit file through CFPB complaint numbers XXXX, XXXX, XXXX, XXXX and this time through certified mail # : XXXX XXXX  XXXX XXXX XXXX. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to EXPERIAN 's blatant disregard for federal law. It is my belief that EXPERIAN feels comfortable committing blatant violations of the FCRA because they know the CFPB won't enforce the laws set forth by congress as shown time and time again. EXPERIAN has caused me stress, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. It was well over 15 days and they hadn't replied to the complaint. They later responded that they will send it in the mail. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I received approval for a credit card from Prosper Marketplace , Inc. XX/XX/2022, and to this day XX/XX/2022 I have not been able to activate or use the card. I have called their support number XXXX at least 30 times and was able to reach a rep once who sounded like she was on mobile phone instead of a in a call center. I tried explaining my problem but she kept saying she could not hear me and eventually hung up, so I emailed them at support@prospercards.com on XX/XX/2022 hoping i would get some help and the response I got back on XX/XX/2022 was " Thank you for contacting Prosper. We apologize for the delayed response as well as for the extended hold times. We are experiencing increased call and email volume due to high demand. Please provide copies of your Social Security Card and driver 's license by replying to this email for further review and account updates. We will then reach out about the account findings and/or resolution when those details become available. Thank you for your cooperation. 

For further questions or concerns, you may contact us at XXXX, M-F, XXXX XXXX - XXXX XXXX EST. Thank you and have a great day! '' So here I am a month in with a credit card I can't use and no one at this company will answer the phone and they want me to send a Social security card and driver 's license to them via email? Why I already have the card, but at this point I think it is just not worth it to have this card seeing all the hoops I have jumped through and still no resolution.

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 2022-02-18 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: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the XXXX XXXX of XXXX  which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a mailed letter from XXXX XXXX XXXX XXXX XXXX, notifying me in writing of a data security incident that could have resulted in unauthorized access to certain person information of me. 

XXXX XXXX XXXX XXXX is CPA firm. XXXX XXXX is where I reside and the firm is located. 

The next day, on XX/XX/XXXX, I received a letter via regular mail from SYNCHRONY BANK ( XXXX XXXX XXXX, XXXX, XXXX XXXX ). The letter states We received your request regarding XXXX XXXX credit product. In the header, there are two sets of code : XXXX and XXXX. I was told these are are the on-line, application reference numbers. XXXX XXXX is a retail vendor of musical equipment. The letter from Synchrony had a phone number, XXXX which I called to report that I did NOT make this purchase, fill out the application nor have any interest in musical equipment. This number is the Fraud Department whereby all credit cards are handled. I spoke with XXXX XXXX in the Fraud Department at this number. She informed me the Perpetrator made an on-line application to XXXX XXXX using my entire SS number, DOB. However, the Perpetrator did not use my address. ( My address is linked to my credit report ) Unknown to me at this time ( but known to Synchrony Bank ) was the fact that THERE WERE TWO APPLICATIONS MADE on XX/XX/XXXX. The prior application for credit by the Perpetrator was made for XXXX, another on-line vendor of musical equipment. The prior application with XXXX was approved for {$3100.00}. Synchrony Bank is the lender. My address did not match the Perpetrators address. This should have been a RED FLAG. 

I enrolled with XXXX, paid for by XXXX XXXX. However, this protection is for one year only. It is up to me to continue the annual payments after XX/XX/XXXX. 
On XX/XX/XXXX and XXXX, I received an email from XXXX XXXX It was a payment request. I am receiving collection calls. 

Despite Synchrony Bank declining the XXXX XXXX XXXX, the XXXX was approved and funded. It did not occur to Synchrony Bank to review all activity for credit regarding my name and information. 

I want XXXX XXXX to pay for a lifetime of Identity Theft protection. I am seeking damages from Synchony Bank for funding a fraudulent application.

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 2022-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
ISSUE - DEPOSIT MISSING. 
AMOUNT- {$5000.00}. 
DEPOSIT DATE- XX/XX/XXXX XXXX DEPOSIT REVERSE -XXXX XXXX. 
ACTION TAKEN - 6 TIMES RESEARCH DONE BY THE BANK WITH RESULT. 

WENT TO THE BANK IN PERSON AND EXPLAIN EVERYTHING, THEY ACCEPTED THE MISTAK AND DID THE RESERACH AGAIN BUT SAME RESULT NO ANSWER. 
THEY SENT MY BANK STATMENT WITH NO ANSWER.

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 2022-02-18 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: NY

Complaint narrative:
I received a notification ( attached " CCS Letter.pdf '' ) from a company purporting to be from Credit Collection Services, dated XX/XX/2022, although I received it after that date. The notification claims that we owe {$130.00} to XXXX XXXX XXXX related to our daughter. But we have never received an invoice from XXXX XXXX related to services provided to our daughter on that date. Charges from XXXX XXXX for her go through our insurance ; we do not pay them out of pocket. The attached XXXX ( " claims.csv '' ) shows that our insurance never received a claim from XXXX around the dates indicated in the notification -- although they did get one later, which insurance paid in full. It thus just doesn't make sense that we would have to pay XXXX anything directly. 

The notification further gives no information that would allow us to investigate the amount. It lists an " account number '' but there is no way to verify charges with XXXX using that information. XXXX requires a " lab code '' and a " bill number. '' The notification does not provide that information. 

Moreover, the entity that claims that it is seeking to collect a debt from us is not the one on the license number provided. " Credit Collection Services '' claims to operate in New York under XXXX license number XXXX. But the entity that holds that license is not Credit Collection Services, but rather " Credit Control Services , Inc. '' There is no " d/b/a '' information that indicates that entity operates in New York state under any other names. The XXXX licensing information is attached as " CCS XXXX. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the HIPAA Act of 1996 which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
They Returned a payment that i made on XX/XX/2018. But then they took it in XX/XX/2018 Cuz i had my account set up for automatic payment. and thats when i became late 30 days. i was never aware of this. I spoke to them and they said that a letter was never sent out regarging this matter. So i was never aware of this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I used my Paypal account balance to pay for an account transaction of {$100.00}. My paypal account balance is {$340.00}. Paypal deducted the money for this transaction out of my private linked bank account without my authorization instead of using the funds in Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was reported late 60 days for months of 2020 XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with SYNCB/AMAZON and SYNCB/XXXX XXXX but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card off and request that SYNCB/AMAZON remove these late reports to credit bureaus.

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: LA

Complaint narrative:
Im a victim of ID theft that has been ongoing for several years. Ive sent copies of my ID theft report and police report to the medical facility, and they still havent removed the debt. Now theyre having debt collectors try to collect this. 

I have never even heard of this medical facility. Even if I were to be seen by a doctor in any facility, I wouldnt get a bill for over {$8000.00}. I have insurance throug h Medicare and Medicaid. Please just remove this debt and stop harassing me to pay something I dont owe. This is becoming detrimental to my finances. Every time one of these fraudulent bills gets put on my credit, it significantly lowers my score and causes me to not qualify for the financial products that I need.

Company response to consumer: Closed with non-monetary relief