vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I recently looked into all my robin hood account statements in XX/XX/XXXX and found an statement from XX/XX/XXXX showing transactions worth almost XXXX XXXX dollars. I recently opened XXXX XXXX statement and seen XXXX XXXX from a ACH transfer to my XXXX XXXX  account. Under Regulation E im sure I can prove my case. Whatever person or persons used multiple devices scanned my ID card so I could not upload my ID which I had uploaded on XX/XX/XXXX. Both cases are still open XXXX only gave me a small portion of certain transactions. I have all my documents and proof showing someone needs to get arrested for fraud as well with other Federal laws broken. I was under the impression certain security issues were fixed until yesterday my Robinhood account app settings changed. It was due to me uploading my ID XX/XX/XXXX or the XXXX XXXX, from one of the company 's support member emailing me a portal so I could upload my ID. I have been spoofed by the person or persons involved acting as IRS support, XXXX and robinhood via email. XX/XX/XXXX I filled out part of my Taxes in XXXX and it still showed it had XXXX XXXX dollars in proceeds on my form. All of these federal laws broken and my bank account as well as the brokers account shows I never had more than XXXX XXXX inside robinhood since XX/XX/XXXX. Under the XXXX rule an organization with the government should have contacted me. It shows transfers too California under my name and ACH money transfers. I have proof that my apps were duplicates and set to default with both XXXX and robinhood. I have made a lot of reports detailing my situation and even provided documents to both companys. I am XXXX XXXX XXXX XXXX and im from XXXX Texas, Robin hood has a location protection and it locked my cards withdrawals so how they still used my account left me clue less and stressed due to all of the fraud and unauthorized transactions. The IRS is going to know where is that money is I never had in Robinhood. I just would like justice done on the person or group which hacked my phone and used personal information to withdrawal money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the XXXX information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.

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 2021-03-09 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: FC HoldCo LLC
State: IL

Complaint narrative:
In 1974 I refinanced my auto with Flagship credit acceptance LLC I had no problem until car was totaled all perfect payments. When the car was totaled my insurance sent them a XXXX check and I had gap insurance with Flagship LLC they took three months to decide not to pay the total amount. So then the company is still reporting me as late which is untrue. I have paid them in full as requested?

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 2021-03-09 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW FINANCIAL SERVICES Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
Please Validate, disputed it came back accurate, please prove it.

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 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
Please validate these accounts, disputed these and came back accurate with out providing proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper bank is the holder of a loan on a duplex property in pre-foreclosure status located at XXXX XXXX XXXX, XXXX, IL XXXX. The property has been vacant for going on 2 years. Mr. Cooper bank did not winterize plumbing in the property. On Sunday XX/XX/2021 the pipes froze and burst in this property flooding the home as well as my adjoining duplex located at XXXX XXXX XXXX, XXXX, IL XXXX. I have reached out to the bank several times regarding this matter and have only been able to speak with customer services representative which have been of no help. To date no water mitigation as been started at the property which Mr. Cooper bank holds the loan for property at the address of XXXX XXXX XXXX, XXXX. The lack of proper water mitigation bears serious negative effects to my adjoining unit at XXXX XXXX XXXX, XXXX. I had water mitigation begin in my property on XX/XX/2021 and my property is currently gutted due to water damage. The current estimate of damage to my adjoining property is near {$17000.00}. I had to pay the plumber on the day of the incident {$270.00} for the plumber to shut of water in the vacant unit managed by Mr. Cooper bank and I also have {$1000.00} deductible related to the insurance claim. I would appreciate any help in resolving this matter and getting in contact with the appropriate party at Mr. Cooper bank to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am writing to SYNCB/PPC because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/PPC company to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-03-09 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: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

SOUTHWEST CREDIT SYSTEMS Reported : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: NY

Complaint narrative:
I received a solicitation by mail on XX/XX/2021 which stated in bold print '' EXPIRATION NOTICE '' on an FHA loan with XX/XX/XXXX. Please note that I do not have a mortgage with this company, nor are they a servicing agent for the mortgagee of the only mortgage loan I have on my primary residence, which is with XX/XX/XXXX. In this solicitation it states the following : " FHA Guidelines require a waiting period in XXXX XXXX, NY to access certain options through your FHA loan ''. It further states : " Our review has indicated that your waiting period has been marked as expired as of XX/XX/2021 and that you have not accessed your equity reserved of $ XXXX XXXX I delete the amount because I consider this to be private, yet it was shown in the solicitation ) or other loan options. Please call our Program Customer Support Representatives at XXXX by XX/XX/2021 to receive a detailed explanation of the options available t and how to access them. '' The remainder of the letter provides the contact information, as well as a notice that this is a third party offer from XXXX XXXX and is not approved nor affiliated with my current lender, FHA< HUD, or any other governmental agency. 

While this is an solicitation that is allowable by law my problem with it is that is states, at the top of the notice, that it is a " Expiration Notice '' which, in the body of the notice/solicitation, refers to my FHA loan ; however, it has nothing to do with my current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
CHRYSLER CAPITAL Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Sunday XX/XX/2021. I did not apply for a card. Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: Westlake Services, LLC
State: NY

Complaint narrative:
XXXXWESTLAKE FINANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Dear CFPB, I am challenging the incorrect information with the creditor SEARS/CBNA where they have cleared violated the law by reporting a balance of {$3700.00} on a closed account. This is a violation of the FCRA. I request this account be deleted immediately.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
Last couple days of XXXX I noticed unauthorized charges. I contacted bank the y said that I could do anything until the cleared account try contacting merchant. More and more charges showed up they continued to say the same thing. I got them to block the merchants I thought but they kept coming in XXXX I saw a charge from XXXX contacted them luckily nothing had shipped and they marked the charge as fraudulent and told me to contest threw my back on XX/XX/XXXX th I was told I would have to wait for the charges to clear after the holiday this time however the put a complete hold on the account. After the holiday they cancelled old card sent a new one told me I had to wait for last two charges and that I had to show I'd had made a good faith effort to contact merchants for reversals. Finally XX/XX/XXXX they said they where sending paperwork in would have to sign and return within 10 days for provisional credit the paperwork didnt arrive in mail till the XX/XX/XXXX at which time I signed and faxed back. I called to let them know and they said it was processing and to call back in a few day for provisional credit. Few days later I called again and was told they had just received my fax on XXXX and in would be a few more days for processing. Few more days I called and was told no fraud had been found case was closed. I didnt understand how that was possible they never even spoke to me nor did they contact legecy who was willing to refund it back. I called again was told it was closed by mistake send paperwork I. Again this time I enclosed emails from XXXX and fax showing faxed on XXXX. Was XXXX to wait a few more days for processing. Called back was to the just received fax call back more day called back money who said that they had just received fax that day and call back in a few day. Called back next day was told I would receive a letter in a few day or a week and that they had no information to give me nor had the contacted XXXX  who had been waiting since XXXX for the to charge back. They refused to even tell me what information I need to provide them let alone what they actually do in these so called investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
Please validate these accounts, after disputed came back as accurate.

Company response to consumer: Closed with explanation