vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act US Dept of EducXXXX Account # XXXX, and US Dept of Educ/XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I have been trying to get the payoff for my home from ShellPoint Mortgage for over a month now along with my attorney XXXX XXXX. She and I were on speaker phone in her office with my SPOC XXXXXXXX XXXX as well as her supervisor by the name of XXXX ( did not provide her last name ). XXXX assured us on this call that I would receive the payoff via email on XXXX, and if it wasn't received then to call XXXX XXXX back XXXX which I did several times, but still no payoff was sent. This is unacceptable. I'm about to be put out of my home because of this. I really need for this matter to be handled ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am writing about the illegal practices Robinhood has engaged in, including false advertizing, disclosure of PII possibly linked to CCPA, failure to provide customer support. 
They advertize that they accept and pay for XXXX transfers from other online trading platforms to them. Their marketing materials, website, user flows, help center state that there is no minimum for the transaction and that they would pay for any associated fees, charged by the originating platform, up to {$75.00}. 
I've initiated 3 transfers, they all failed. I've raised cases XXXX, XXXX and XXXX to get resolution on these issues. 
For the first 2 transfers, I was told that the balance I'm trying to transfer is too low and it has to be above {$75.00}. This contradicts their promises and constitute false advertizing. When I asked, repeatedly, how that reconciled with their claim that there was no minimum amount for the transfer, I was given no reasonable answer. 
In Case ID : XXXX, instead of sharing my information, they sent me information about a user named XXXX and the names and amounts of shares this user holds in their account. 
In case XXXX, I was told that : - " Your transfer was unsuccessful because your other brokerage firm uploaded a larger debit amount than Robinhood can accept '' - which is false - my attempt was " rejected today XX/XX/2022 due to insufficient funds to cover a debit balance '' - how is that possible given the above statement? 
- " Your incoming transfer includes a - {$75.00} charge from the brokerage account/firm you are transferring from. Since your Robinhood account nor your delivering brokerage account have enough cash to cover this - {$75.00} the transfer can not go through. '' - That again is false as the amount I was transferring at that point exceeded {$75.00} even though, as mentioned above, I believe that per the promises made by Robinhood to the consumers, this limit should be irrelevant. 

I've exchanged over 20 emails and multiple in-app support chat messages with Robinhood support XXXX However, their support is utterly incompetent where all they have done was provide me with false information, referred to the wrong transactions, disclose other consumer 's sensitive information. In the end, I received the following statement from them via email : " This is XXXX. This is the final response we will be providing in regards to your failed transfer as we have provided an answer to this various times ''. 

I took the conversation to XXXX, where sent 15 messages tagged to Robinhood executives and their support team. I've gotten no traction and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: CT

Complaint narrative:
This is not my debt. This is the debt of a family member. I was contacted several occasions and left voice messages on XX/XX/22 and XX/XX/22 by XXXX XXXX ( XXXX ) of XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). On these voice messages there was threatened action of contacting employer, filing claims against SSN, accessing personal financial records of said family member/disclosure of debt. I attempted to call back to ask for my number to be removed and was unable to reach this person. I chatted online at the ARS asking how my phone number was obtained as the family member of the debtor and was told they didnt know and I had the wrong company. I would like this harassment to stop and will be filing additional complaints with state agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXXXXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXXXXXX  Account Number : XXXX U S DEPT of ED/XXXXXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/22, I applied and was approved for a Wayfair Mastercard. I made a purchase totaling {$370.00}. It contained 2 items, a bed for {$340.00} and a protection plan for {$37.00}. When I went to make the purchase, the system said the purchase of {$370.00} was eligible for a 6 month promotion ( no interest if paid in full by 6 months ). I spoke to customer service at the credit card ( Citibank ) that night to be sure, and was told that was correct, but that I needed to call them when the items shipped to have the promotion applied. I called them today ( XX/XX/22 ) and was told by XXXX that only the {$340.00} can be put on the promotion because that was the full balance on my account. I told her the full balance is {$370.00}, but she said I was wrong. I hung up and double checked with Wayfair, and they confirmed that my order is for 2 items totaling {$370.00} ( which I also confirmed on my receipt ). I called Citibank back and spoke to XXXX. XXXX spoke to her supervisor and was told they can not put the other {$37.00} on the promotion because the amount is not over {$200.00}. They are looking at it by EACH item, not the full order, which is what they are offering/advertising. This is a fraudulent offer. I tried again, just to see, to go in and purchase several items, all around {$50.00} and under, which totaled over {$200.00}, and again it said I qualified for the 6 month promotion. They are advertising this, but when you make a purchase, individual items under {$200.00} are not put on the promotion. I would like this looked into as they are advertising something they are not doing. I have attached a copy of my receipt. Please let me know if you need any other information you need. 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 non-monetary relief
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NM

Complaint narrative:
Equifax in not responding to any of my requests to investigate and verify the accuracy of the information contained in my consumer credit report in accordance with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The reference number is a quote from CITI Bank XXXX I initiated a transfer to XXXX XXXX on the XX/XX/22 for XXXX XXXX United States Dollars . 

For beneficiary address error, the beneficiary bank, XXXX XXXXXXXX XXXX, returned the money back XX/XX/22. 

I initiated all communication to inquire about the status of this returned funds to CITI bank, all I get is back office this, back office that! 


Today XX/XX/22 is my second official email to CITI bank via XXXX For withholding my money for over a month! 

Making my money that ought to generate some interest to loss value and gains, putting me and my family into suffrage! 

I hope the Citi Bank will be responsible enough to quantify and compensate my suffering within the period of withholding my money, without communicating or following up with me about progress and status of my funds.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
First of all, I do not know who CREDITORS BUREAU ASSOCIATES are, and according to 15 U.S. Code 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection, so why are they referring to themselves as a Bureau? Thats deceptive and is a violation of 15 U.S. Code 1692e - False or misleading representations. They put a make-believe false account number on this letter they sent me but I do not have a contract with them. 

Furthermore, these people are in violation of 15 U.S. Code 1681b ( 2 ). I have not given them written permission to put anything on my consumer report. And I did not give them permission to mail me letters to my address.

And Further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681 section 602, 15 U.S. Code 1681 ( a ) ( 4 ) for violating my right to privacy. They have my email address and phone number on this letter they sent me I did not give them that information. 

And further, CREDITORS BUREAU ASSOCIATES is reporting and also sending me letters of inaccurate, incomplete, erroneous and misleading information. They have used profane language which is abuse to me the reader and have harassed and oppressed me. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. This is a violation of 15 U.S. Code 1692d - Harassment or abuse.

And further, CREDITORS BUREAU ASSOCIATES are in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. All three of these were violated. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

And further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681s2 ( 9 ) Duty to provide notice of status as medical information furnisher. They did not tell the credit reporting agencies that they are medical information furnishers. 

And further, CREDITORS BUREAU ASSOCIATES got my information without my consent which means identity theft! Their offenses amount to aggravated identity theft pursuant to 18 USC 1028a. They have knowingly transferred, possessed or used without lawful Authority a means of identification of me which is a felony punishable by up to two years of imprisonment in addition to civil liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30 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: NY

Complaint narrative:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief