vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: LD Holdings Group, LLC
State: OR

Complaint narrative:
My husband made our XXXX mortgage payment to loan depot online and received a confirmation email from them stating the payment was successful. The payment did not process however and they did not contact us to notify us of the error and after 30 days automatically reported us to the credit bureau agencies. Once we received a notification from our bank of negative credit activity we investigated the cause and discovered it to be loan depot. We contacted them immediately and made payment as well as providing evidence of the confirmation email which indicates we made the payment on time. Despite this they refuse to redact the negative credit report. The dispute has been ongoing for months and they have not shown any willingness to help resolve the situation satisfactorily and have ignored requests for call backs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
HI WAYPOINT RESOURCE GROUP / XXXX XXXX XXXX # Account Number XXXX ; Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX  XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX there was a hard inquiry in my XXXX  credit report for a credit card from chase business inc that I did not apply for. I called the credit card and they will remove from my credit report. They had all my information which is scary. My personal identity has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: CA

Complaint narrative:
XXXX XXXX  AND XXXX ARE NOT MY ACCOUNTS. REMOVE ME AS AUTHORIZED USER IMMEDIATELY. 

XXXX IS THE OWNER OF THESE ACCOUNTS. THE LAST 4 OF HIS SOCIAL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$86.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint comes forth as I am in a no win situation that has me very confused. On XX/XX/2021 Suntrust bank placed my account in the process of closure pending review by The Loss Prevention Department, the confusion comes forth as I never reported any transactions fraudulent nor do I have any lending products from Suntrust or any of their partner entities. I currently have over {$30000.00} dollars on hold and all my pending bills and daily transactions were reversed without specification or timeline of 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 non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 we went to the M & T branch on XXXX XXXX with the intention of opening a savings account for our XXXX son. We are the court appointed guardians. Our son 's SSI money has been deposited into his existing M & T checking account for almost 10 years. 

We were told our son must appear in person to open an account. We explained our son is XXXX  and unable to XXXX. The M & T representative was indifferent stating that was M & T policy. We asked for a copy of the policy. Our request was denied. We asked for specific guideline on what documents needed to be submitted. Request denied. 
XX/XX/2021 our request for access to the policy was denied by the branch manager at the M & T XXXX XXXX branch. 

On XX/XX/2021 we filed a complaint ( XXXX ) with the Maryland Office of the Attorney General. On XX/XX/2021 in a letter from that office we were told our complaint had been forwarded to CFPB in XXXX, Iowa. Can you 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 explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
I have a brokerage account with Robinhood and I hold cryptocurrency in it. I had the Robinhood XXXX  account which I pay a monthly fee of XXXX dollars for it. I downgraded my account to the regular account but Robinhood still charged me the monthly fee of XXXX dollars without my authorization so I contacted Robinhood and requested that they refund me the XXXX dollars monthly fee for the XXXX  account since I cancelled it but they refused and they said I was one day late so I asked them to either refund me my money for the rest of the month or reactivate the XXXX  account at NO charge since they already charged my account but they still refused. Robinhood charged me the monthly fee for the Robinhood XXXX  eventhough I cancelled and I wanted to have just the regular account. Robinhood has the worst customer service and the poorest quality customer service people. They enjoy ripping peoples money off. They have a shady business that needs to be investigated. They charge my account for a monthly fee for the XXXX  service that I already cancelled and when I asked them for a refund they refused to refund me the money or reactivate the XXXX  benefits since they already took the monthly fee without my authorization. The worst company to deal with and the worst customer service and a XXXX  representative XXXX case id XXXX. My account number XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Fig Tech Inc.
State: TX

Complaint narrative:
After reviewing my credit reports through XXXX, and XXXX, I noticed that Fig Loans had been reporting a late payment for the month of XX/XX/XXXX. I know for a fact had not missed a single payment to Fig Loans in XXXX. My immediate response was to dispute through the reporting agencies. Both bureaus completed their investigations and advised me that the late payment had been confirmed and remains on my reports. After several unsuccessful attempts to reach a representative by phone, I decided to reach Fig Loans by postal mail regarding the matter. I sent a letter along with supporting documents to confirm that my account was in fact current. I sent my correspondence to their mailing address in XXXX XXXX on XX/XX/XXXX, and a USPS Return Receipt confirms that a representative by the name of XXXX XXXX signed to receive my documents on XX/XX/XXXX. I have waited over 30 days for an update regarding their investigation and I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: IL

Complaint narrative:
I have disputed errors on my credit report with Trans Union, XXXX  and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the 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 2021-06-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a line of credit open with XXXX  XXXX XXXX XXXX with a credit limit of {$2000.00}. The account that has been open since XX/XX/2015 and Equifax refuses to report the account on my report. I reached out to XXXX  XXXX and they contacted Equifax directly and sent proof that they have been reporting my payments and account status each month. Its been over 3 months and the account is still not reporting on my credit file. I am not able to get any assistance over the phone. They just keep telling me that its in review. I have sent in several request via certified mail and they keep sending me letters saying the account is not on my file then send me a copy of my credit report which is not needed since I am aware the account is not reporting and that is the problem. This is severely impacting my credit score because I have a an account with over 5 years of good history that is not reporting even though the creditor is reporting it to all 3 bureaus each month. I have attached proof from XXXX  XXXX  as well as letters I have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$410.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an ongoing problem with Equifax for the past 30 days. Equifax has MIXED UP my brother 's information with mine. I have already contacted Equifax multiple times and they insisted the problem was fixed. They have mailed me a copy of my credit report 3 weeks ago. Although the information on that report was correct, I still see my brother 's information on my Equifax online account. 

I used my login credential to place a security freeze on my Equifax credit report online today. However, the confirmation letter has my brother 's name/address on it instead of mine. This means that Equifax still hasn't fixed all the errors completely. Please refer to the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$320.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Won't let me access my account has been almost two months. Binance US exchange is a fraud and looking to steal my funds. Only got one response and that was a month ago saying they moved it up to escalations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: LoanCare, LLC
State: CA

Complaint narrative:
During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in 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 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: MS

Complaint narrative:
I applied and was approved for an SBA PPP loan on XX/XX/2021 through this XXXX lender. Loan Number XXXX. This lender has reported the loan to the SBA the loan as actively disbursed. It was never deposited into my account. The companies listed address is closed. They do not answer then phone. I sent them a certified letter to make the deposit on XX/XX/2021. It was received at their closed office. As of today XX/XX/2021 this XXXX lender has not distributed SBA PPP loans to thousands of people. This company has committed fraud against me, has not communicated with me in any way about the loan since it was processed, and has not deposited the funds into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I disputed a a charge on my Citibank MasterCard with Citibank. I was advised by Citibank that the merchant had agreed to tissue credit on my account. They had originally put a temporary credit on my account but then removed it. I contacted them at least 20 or more times via phone, online chat, and written correspondence. I was assured repeatedly that the account would be credited and that any interest accrued would be removed. Citibank never called me back as they stated they would. They never posted the credit and then when I called them again they said they had no record of merchant issuing credit. They contradicted themselves repeatedly. I have numerous print outs that show where they said the account would be credited. This charge needs to be credited. They never followed up with me and assured me all along that the merchant issued credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: MO

Complaint narrative:
I have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship

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 2021-06-09 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: CA

Complaint narrative:
During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in 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 2021-06-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.

Company response to consumer: Closed with explanation