vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood is not responding to me after {$1200.00} was stolen from my account through stolen debit card information. 

The money was taken out as 6 separate cash-back transactions at a grocery store. As soon as it happened I canceled the card and reported the issue to Robinhood. They emailed me back saying that I w
ould he

ar b ack in 1-3 days, but its now been 6 with no response. I've followed up each day this week ( monday, tue
sday, wednesday ), but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Twice I have made large additional Principal Only payments the Shellpoint Mortgage Servicing, in addition to regular monthly payments, and both times now those payments have been incorrectly applied and/or applied at a much later date than received ( back shows date chased ). I have filed multiple complaints with the company, the first one they corrected, the second one is ongoing and they do not respond other than " we are investigating your complaint '' The supposedly " corrected '' the payment, but applied it nearly a month after receipt, thereby charging me interest fraudulently in at least 2 following payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a Notice of Transfer of my Mortgage Loan on XX/XX/XXXX to Mr. Cooper ( formerly Nationstar ). I did not receive a Notice from Mr. Cooper as they did not have my correct apartment number. I called the number on the transfer letter and set up my account and corrected the address. I have since received a delinquent tax notice from the XXXX XXXX  XXXX XXXX  XXXX  the taxes are past due as of XX/XX/XXXX and to submit by XX/XX/XXXX {$2200.00} including interest of XXXX. 

I have messaged them 4 times prior to XX/XX/XXXX and asked for confirmation. I emailed a copy of the tax bill to two different email addresses. The online site has one email address and the telephone message has another email address. I have attempted to call this evening XX/XX/XXXX and have been on hold for 1 hour before giving up. 

I spoke briefly to a XXXX at customer service ( 30 seconds ) and told him I was calling about my taxes not being paid - he then responded " you are calling about your insurance '' and I said NO, my taxes. He then put me on hold and then disconnected me. 
The phone keeps repeating thank you for your patience. The Mr Cooper site states " rest assured your taxes will be paid on time ''. 

This company should be fined for their practices. My escrow is sufficient to pay the taxes and they have failed to pay them on time - even with all my followup. 

Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: UT

Complaint narrative:
I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have legitimately have already paid off XXXX of my credit cards at Jp morgan Chase bank, and kept paying to build credit. XXXX of them is {$4500.00} in debt, as I discovered through my main bank XXXX Chase XXXX bank on XXXX and XXXX XXXX, XXXX XXXX, California, the limit is {$1500.00}. someone has been spending beyond my limit and on top of that my XXXX XXXX is still poor. I opened a case withc chase bank itself, they refuse to call me back, i opened a claim online, the website is shut down, and other links to free claims are now diminished. I more than suspect it is a " XXXX XXXX " whom I reported for Human Trafficking. he has a minor with my same exact name, making my claims and statements against me behind my back as if I am the fraud, claiming he is " confused '' and it is safer to just assume she is the plaintiff. I have been misdiagnosed as a XXXX  and have been recieving XXXX for XXXX, when originally it is XXXX, XXXX XXXX XXXX that XXXX victims and war soldiers have, considering XXXX can result in forms of XXXX, this is the case here. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
On XX/XX/2021 XXXX/QUICKEN LOANS INC made an unsolicited Hard Inquiry into my credit report. I was alerted via XXXX XXXX XXXX and verified that the inquiry appears on my XXXX  credit report. 

On XX/XX/XXXX I called XXXX and was informed they have no record of the inquiry. I also called Quicken Loans and was informed they have no record either. 
Quicken Loans informed me I should call XXXX and have it removed. I called XXXX, and they stated that Quicken Loans would need to send a letter retracting the inquiry. 

On XX/XX/XXXX I called Quicken Loans and was connected with XXXX XXXX, who said she would investigate the issue. She also found no record of the request. 

On XX/XX/XXXX I emailed XXXX XXXX from Quicken Loans and she stated " We would not be able to remove this inquiry as we have no record of the credit pull. The team member that you spoke with prior to me also stated that we do not have record of that credit pull. If we do not have record of the pull, we are unable to send a letter. We would have to provide them a credit report number and a loan number to request removal. We do not have either or any other information for you in our system. '' On XX/XX/XXXX I replied and stated that I would be reporting this issue to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXX - The auto loan was paid off by my auto insurance at the amount of {$16000.00} as the result of total loss. The title was released to the auto insurance the following month. 

-XX/XX/XXXX - Received the bill from Ally stating I am being owed {$2000.00} See the file attached : XXXX XXXX XXXX, XXXX - Received the bill from Ally stating I am being owed {$1700.00} See the file attached : XXXX attached XXXX XXXX, XXXX - My lawyer sent a letter to Ally. See the file attached : XXXX XXXX XXXX attached. 
XXXX XXXX, XXXX - Ally 's response. See the file attached : Ally Response XXXX XXXX, XXXX - Received the bill from Ally stating I am still owed {$2100.00} See the file attached : Ally_XX/XX/XXXX -XXXX XXXX, XXXX - My lawyer again sent the letter to Ally. See the file attached : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX - Received the bill from Ally. See the file attached : Ally_XX/XX/XXXX -See the file attached : Ally call history

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 2021-03-10 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I have a charge off on my credit bureau which is the result of identity theft, it is for {$130.00} and placed there by something called the XXXX XXXX. I filed an identity theft report with the FTC, reference number XXXX, and tried to dispute on-line. Experian 's on-line website will not allow-it requires calls for all claims of identity theft. I called the number, it is Experian 's general number, has no prompts related to ID theft, and after working my way through its menu and a 15 minute wait, I finally reached an individual because who was supposed to be able to handle a dispute but this person was not empowered to handle an identity theft claim. This rep, after asking me for my private information, transferred me to the Fraud department where I have been on hold for over 15 minutes now and have had to listen to repeat ads about how if I pay for Experian 's ID theft service I will get a dedicated person to help me. This is wrong. I just want to file an identity theft report. I have a legal right to do so. Experian should not be allowed to place so many hurdles in the way!

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 2021-03-11 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: CA

Complaint narrative:
I have tried multiple times to clear XXXX XXXX XXXX Derogatory comments on my credit report. This account was NEVER mine. My credit history validates this as I do not have negative payment history. Experian is falsely displaying inaccurate information about my open and closed accounts. 
I have tried multiple times to have them investigate and they keep returning this is valid debt when it is NOT a valid debt and was never my debt.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I attended XXXX XXXX XX/XX/2015 per the school guidelines I was to withdraw by week 3 in order to not be charged for the school term. Per the school administrators I did do that, I am now being charged my Meade and Associates ( a debt collector for the balance ) I have tried to contact the debt collector and the school. No resolution seems to be getting resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AZ

Complaint narrative:
I wrote to Transuniion requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was received by them. I wanted a investigation to be done to remove accounts that are Inaccurate. This is affecting me financially in more ways than one. I havent received anything acknowledging that an investigation has started or completed. I need for you to delete these inaccurate items as soon as possible from my credit file. I sent my dispute letter on XXXX of XXXX and a follow up letter on XXXX of XXXX so this counts as my third request. Under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now way past the legal time frame now! I ask that you please DELETE these inaccurate items from my credit file, 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 2021-03-10 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: AZ

Complaint narrative:
I wrote to Equifax requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was received by them. I wanted a investigation to be done to remove accounts that are Inaccurate. This is affecting me financially in more ways than one. I havent received anything acknowledging that an investigation has started or completed. I need for you to delete these inaccurate items as soon as possible from my credit file. I sent my dispute letter on XXXX of XXXX and a follow up letter on XXXX of XXXX so this counts as my third request. Under XXXX XXXX, you are required to complete and notify me of your investigation results within 30 days, we are now way past the legal time frame now! I ask that you please DELETE these inaccurate items from my credit file, Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I the consumer sent Equifax a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I stayed at a hotel. The hotel falsely claimed I damaged the television in the room. When the bank asked the hotel to provide documentation, they failed to provide anything that proved that I specially caused the damages, only that damage occured. They could have easily been caused by a prior or subsequent guest. 

Claim Number : XXXX Date : 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 explanation
Consumer complaint received 2021-03-11 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: NV

Complaint narrative:
I am a victim of identity theft. I have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. Thank you.

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 2021-03-11 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
It looks like possible XXXX profiling to me, but maybe it's just incompetence. 

Applied online for a Target Redcard ( branded card issued by TD bank ) on XXXX XXXX. Received a formletter XX/XX/XXXX that asked for a copy of the front and back of my driver 's license, and social security card, plus a utility bill. Letter  said they had contacted XXXX  for my credit information. 

None of this information adds anything useful for credit analysis over what's in my XXXX  file -- except the picture on my drivers license. The other items appear to be just cover to disguise what they are apparently really after. The application said nothing about requiring these items. 

My credit score is above XXXX, I've lived at the same house ( which I own outright ) for more than 30 years. Other banks regularly send me 'pre-approved ' credit card applications. XXXX has a record of my credit card payments going back years, along with my address, my social security number and the lack of any negative reports from utility companies or anyone else. Given the length of the credit history and the hundreds of thousands of dollars of past on-time payments, if these questions are to deter identity theft, they must suspect a rather long and unlikely con. 

Another possibility is that XXXX XXXX  did issue a credit card in my name a few years back to a scammer with a Florida address and only cancelled it when I contacted them. But that information has dropped off my credit reports -- if TD is relying on information other than XXXX, they should say so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX  XXXX XXXX  states that I owe them over {$1200.00} in debt. When disputing this debt it always comes back as verified. When calling the collection agency midland funding to settle this account in full. I am told they can not find an account with my information. This has been an ongoing issue for years. I now need to move because of my household size and my mortgage company will deny my loan because this company in unreachable and refuses to assist me. Today I contacted XXXX  XXXX XXXX  to complain and was told my account is no longer with midland funding but a company called encore. I want this removed from my credit report I have much physical stress from this company at 6 months pregnant I have been unable to do daily activities because of the stress in trying to pay an debt that Im told can not be accessed all the while the account is with an undisclosed company. XXXX  is no where in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TX

Complaint narrative:
I have a late payment with XXXX XXXX. I sent a letter on XX/XX/2020 and I haven't received a response. My payments were on autopay and I see received a late payment. I need this removed. It's only fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I filed a identity theft report here is the number FTC report number XXXX I asked to please have these fraudulent inquiries removed XXXX  XXXX XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 2021

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 2021-03-11 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: Risecredit, LLC
State: UT

Complaint narrative:
Rise Credit is reporting a loan on my credit that is not mine. I recently checked my credit and noticed a loan that I never opened. I contacted the police and filed a report because this account was open fraudulently & the case number is XXXX. I had contacted Rise to let them know that I did not open this account and someone was trying to steal my identity. They assured me that they would rid of the loan but they have not. This is not mine and it needs to be removed from my credit file. I have filed a report with Identity Theft as well. This needs to be removed immediately.

Company response to consumer: Closed with explanation