vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On Mon, XX/XX/2020 at XXXX PM, XXXX XXXX XXXX XXXX wrote XXXX Name : XXXX XXXX user Id @ XXXX Hi its been weeks i submitted my DL for verification, i tried calling but my registration is not getting verified its stuck and still says its under review can you please verify ASAP its been 3 weeks ITS BEEN A MONTH I HAVE SUBMITTED A GOOD COPY OF MY DL AND YOU ARE STILL DELAYING IT, I HAVE REPORTED YOUR DELAYING TACTICS TO XXXX AS YOU ARE DELIBERATELY DELAYING REGISTRATIONS DUE TO STOCK MARKET IS DOWN RE : Registration From : XXXX XXXX XXXX ( XXXX ) To : XXXX Date : Monday, XX/XX/2020, XXXX AM CDT Hi the ID was uploaded kindly confirm registration Sent from XXXX XXXX on XXXX On Thu, XX/XX/2020 at XXXX PM, XXXX  Support XXXX wrote : Good afternoon XXXX, It looks like our system didnt accept the ID photos you uploaded because they included an unreadable photo ( too much glare, too blurry, etc. ). 
Im sorry for any delay this is causing! 
Please submit a clear photo of your valid ID through our secure file submission portal here. Once you've successfully uploaded it, go ahead and respond to this email to confirm. 
Heads up : If youre providing a drivers license or state ID card, well need separate photos of both the front and back, ensuring all four corners are showing. If youre providing a passport

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: HI

Complaint narrative:
Two ( 2 ) FedLoans were opened under XXXX XXXX who used my information as a co-signer. I am an XXXX XXXX XXXX XXXX member and all my education has been through my benefits within the military using Tuition assistance and I have never applied with FedLoans for money or to help pay with my schooling. To my understanding the loans were opened sometime in XX/XX/XXXX, however, FedLoan states that their records reflect that I am listed as the cosigner on Mr. XXXX two ( 2 ) Direct Graduate/Student PLUS ( DLPLGB ) Loans disbursed on XX/XX/XXXX ( Loan Sequence 2 ) and XX/XX/XXXX ( Loan Sequence 4 ). Effective XX/XX/XXXX, the loans transferred to FedLoan Servicing to administer on behalf of the Department. The records indicate that my request for loan discharge due to forgery/Identity Theft was incomplete. 

There is no way my request can be completed as I do not know any of the information that FedLoan is asking for because I did not apply for this loan. How would I know this?

Furthermore, I provided FedLoan original documentation of my report filed with the XXXX Police Department. Therefore, it is impossible for me to provide them another original. If FedLoans did a full investigation they would hav called the XXXX Police Department at ( XXXX ) XXXX and would have concluded that I did, in fact, file a poIice report and I can only provide the copy BECAUSE FEDLOANS HAS THE ORIGINAL, and will provide a copy AGAIN to this report and FedLoan can call the police department to confirm that this has been filed.

Additionally, I have filed a dispute with all 3 major credit bureaus as well as FedLoans ( WITH ALL ORIGINAL COPIES ). I will also seek legal action if I am not removed from these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I WAS XXXX XX/XX/2015 ON A XXXX XXXX XXXX BY CENTRAL XXXX XXXX BECAUSE I WENT TO THEIR STATION ASKING FOR ASSISTANCE TO OBTAIN STATEMENTS. ACCOUNT WAS CLOSED XX/XX/2015. I DO NOT KNOW HOW MUCH WAS STOLEN BY SOMEONE USING THE SECOND DEBIT CARD. BUT THE BANK CAN TELL WHICH CARD WAS USED. THE PERSON WAS TAKING XXXX OR MORE PER DAY WHILE I ONLY TOOK LESS THEN XXXX AT ANY ONE TIME PLUS IT WAS ALWAYS AN ATM THAT WAS USED AND IN PLACES LIKE XXXX WHERE I HAVE NEVER BEEN TO. THE CHARGES WERE DISMISSED IN COURT AT A VERY HIGH COST TO ME. AND IT TOOK THE XXXX PD HELPING ME TO EVER EVEN GET THE STATEMENTS. ALSO WHY WOULD I BE XXXX IN XXXX XXXX WHEN MY STATEMENT ADDRESS WENT TO XXXX XXXX ADDRESS IN ANOTHER COUNTY IS BECAUSE A XXXX XXXX WAS ARRESTED IN IN THE CENTRAL XXXX JURISDICTIONAL AREA. I HAD TO BE TAKEN BY XXXX TO XXXX XXXX HOSPITAL FOR A XXXX XXXX AS I DID HAVE ANOTHER XXXX  XXXX. A MAN AROUND XXXX WHO WEARS GLASSES AT XXXX XXXX XXXX ASSISTED IN THE OBTAINING OF THE SECOND DEBIT CARD.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.

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 2020-04-06 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: IL

Complaint narrative:
A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.

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 2020-04-06 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: IL

Complaint narrative:
A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have submitted multiple complaints and Im not giving up. I was defrauded by both ally and XXXX XXXX. The person that has been reviewing my complaint at ally isnt investigating the complaint as she should be fired. I have attached my contract and when you even add the numbers an extra {$400.00} was added. I have discussed this extra {$400.00} multiple times and they didnt care. This act is illegal in the truth and lending act and grounds for a contract to be terminated.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXTransUnion/XXXX & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
CREDENCE RESOURCE MANAGE ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXExperian  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice.

XXXX XXXX XXXX  ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XX/XX/2020

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
ON XXXX I opened a credit card with HSBC Bank USA. I used the credit card for a few months always paying on time. The account was an online account so no statements were mailed to me. I never heard anything else until a collection notice from XXXX was mailed on XX/XX/2020 requesting {$7600.00}. I have made several attempts to correct this with HSBC. Overal, I have place at least 10+ calls and spent over 10 hours with HSBC on the phone. So far, I have not received any statements or any proof of the transaction. What I have learned is that the account was compromised, including the address, email, and driver license info all changed from my original application. Which makes it very hard for them to verify me to even discuss the issue. Even as of today, they will not send me a statement or any proof of the transaction because my real address does not match the one they have on file. Therefore, I did not receive any updates of the transaction for over a year. Only collection notices. I have spoken to the fraud department, collections, and left messages with their US help line, without getting a returned call. The charge is fraud and they have not provided proof that I made the charge. The claim that too much time has elapsed for me to contest the charge. This is impacting my credit score and I am trying to refinance my mortgage currently. I have also subhmitted a police report to my local police department regarding the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXXXXX  & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX XXXX XXXX ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XX/XX/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 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: PA

Complaint narrative:
I had a closing for a house on XX/XX/2018 I had a problem with the real estate agent the closing company and the mortgage company all working together to Defraud me and overcharge me in many different way Violating many of the respa laws. XXXX XXXX  XXXX settlement company and Primary residential mortgage.i believe I am a victim of fraud at my closing.I have three different settlement statements I was told by my title company that I forgot to sign a HUD  form for the sellers morgage company in a short sale the day after closing. And they sent me a letter to sign giving them power of attorney to sign the HUD-1 form.i later requested a copy and all the fees were different. I have proof of everything and I believe the real estate agent mortgage broker and Title Company were all working together. The real estate agent was also trying to tell me that I had to pay the property taxes in advance and reimburse the sellers the same amount for taxes they paid in advance and the same time paying them to Escrow account so they were trying to charge me 3 times. And they charged the seller for the same thing and the mortgage company told me that I must not try use another mortgage company because if they run my credit it will lower my score and I will loss the short sale and Also she was trying to talk me out of putting a {$50000.00} deposit and I couldn't understand why till I realized that she would make more money with a larger mortgage.and the interest rate was not 4.5 like they told me it was 5.75 I have all the hud statements even the one they sighed for me without me being present.it is very confusing and it took me months to figure it out .and the last thing they did was Camouflaged a huge crack in the foundation and the settlement of the house would with shelves and household items they left with for the purchase. XXXX XXXX purchased the mortgage from primary residential mortgage I submitted a claim for XXXX XXXX about the different Hud statements they did their investigation in 20 days and send me a letter stating that everything looked good which I'm a 100 % positive that each item they charge me for is different.that why I am contact this agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Purchased a car from credit acceptance back in XX/XX/XXXX. At first everything was fine I was paying {$370.00} a month if I couldn't make the payment I did an arrangement online. So skipping to XXXX every since XXXX of XXXX all they do is call and call even after making payments. They called yesterday telling my grandmother that the payment is about to be two months behind which is a lie they constantly harrass for no reason at all telling her lies and threatening to repo the vehicle when it's not even one month behind. I really want to get rid of them I don't want anything to do with that company they need to be closed down they are fraud. Then the world is in a pandemic dealing with Covid-19 and they bothering us for nothing it's bad enough one job laid me off I'm praying that's all that happens as of now. They don't care about the customers at all they should be punished they have done a lot of fraudulent things to people had I known all this I would have never gotten anything from them.

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 2020-04-06 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: IL

Complaint narrative:
I have disputed the unverified and inaccurate account from XXXX XXXX XXXX   with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation