vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am a plaintiff from XXXX XXXX XXXX looking to file a federal law suit and sue XXXX XXXX platform ( fraudulent trading company ) ceos and the associated hedge funds for a undisclosed amount.There are no lawyers in my area who specialize in this type of file and your the only website who specializes in this .XXXX broke two federal laws in which i was affected.I had stocks and not trade options ( which i would ineligible if i had trade options ) of XXXX  and XXXX  and before the XXXX  trading halt which resulted in selling it for a loss a minute and days later respectively.I was only allowed to close my positions and not open any new ones.The XXXX  frency/trading halt also affected stock of XXXX  , XXXX  , XXXX  , XXXX XXXX XXXX, XXXX.I lost alot of money which could have been prevented if robinhood allows the time between trades to be less.I also apply and was accepted into option trading without any prior option trading experience and income requirements from robinhood and the robinhood bots accepted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I started receiving emails from Chime congratulating me on opening an account with them. I did not open an account and tried to call them. I have not been able to speak to anyone in this company to tell them this is a fraudulent account. I was able to email their support contact and they want me to email them my drivers license and social security number. I refused to email this information since is not a secure and they won't do anything about the account until I do. I was able to log onto the account and change the password so no activity could take place. I just want the account closed and them to investigate who and how it was opened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NV

Complaint narrative:
I am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX XXXX profile. 

XXXX  : Factual Data Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Datafacts Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX Equifax : Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information.

I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting the removal of inaccurate credit information from my TransUnion and XXXX credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 


TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify 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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
A check from a water company in Illinois payable to a leasing company in Minnesota for {$2300.00} cleared the checking account I hold jointly with my husband. Fifth Third took this money from our account instead of the water companys account. The bank stole our money from our joint checking. 

The check that cleared has nothing to do with us or our account. The companies involved have nothing to do with us. The account number of the check and our account arent even close. 

This happened on XX/XX/XXXX, I called the bank on the XXXX. Took almost 2 hours back and forth between the dispute department and customer service to finally get a claim number. I was told it would take a couple of days to fix. Not fixed this morning on day 2 so I called again. 

Apparently the case was denied and closed!! 

Meanwhile this whole time my account is overdrawn and getting overdraft fees. They took the overdraft fee off today and submitted a new claim. Said it would take at least 3 business days to hear anything. That is 5 more days because it is now Thursday.

So I may hear back, and it may be fixed, next Monday - 11 days after they first fraudulently took money from our account - I am not holding my breath. 

I would like the money to be returned to our account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled account.

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 2021-08-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled account.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MNS & Associates LLC
State: CA

Complaint narrative:
This is regarding a debt owed soley by my husband, not tied to myself. The person who contacted me begin asking questions about my husband, telling me that this was a debt situation for XXXX XXXX XXXX, was I aware of the situation. He also asked if we were in the process of getting a divorce and said we live in a XXXX XXXX XXXX dollar house and asked why we arent paying bills. 
This information was over the line and if the debt is not mine he should be speaking with my husband, which is what I told him. He continued interrupting me until I finally hung up on him. 

The reference number to this is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I received an email stating that my case with Consumer Financial Protection Bureau was closed AmeriHome is claiming that I failed to respond to a request for an affidavit. That is an untrue statement I have proof of my receipt that the package was dropped off at XXXX XXXX on XX/XX/2021, and a XXXX  XXXX confirmation that it was received. I have left a message and faxed the proof of my affidavit being received by AmeriHome to the Customer service Manager that made a false statement. This Mortgage company doesn't have anyone with actual knowledge of my case. Every time I call customer services the representative doesn't have any information and tells me to call back within 24-48 hours so that they can get email respond and in return have a response for me. It is impossible to resolve an issue of the magnitude with them without speaking with a person that has information and responses for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
A purchase was made using my SSN for a pair of XXXX shoes and some sort of line of credit or loan was taken out with Affirm loans, for {$780.00} in XX/XX/XXXX. I received the goods and sent them back to the company on XX/XX/XXXX and provided a return receipt to Affirm. I've confirmed with them this loan was not mine. The date of birth on file and phone number and name I use was different than the application completed. After becoming aware of the dispute, Affirm sold the debt to XXXX XXXX XXXX, which is a violation of the FCRA and FDCPA regulations. I sent a complete fraud packet to both companies including a police report, proof of my ID, and an ID Theft Affidavit for them to investigate. 

As of XX/XX/XXXX, XXXX XXXX has advised that this debt was validated by Affirm. I was not told based on what information they are deeming this valid and the goods have been returned. I would like this debt removed from my credit report as it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
2 unrequested Bank of America credit cards ( for husband and wife ), sent in 1st class envelope, ( see attached photo ) were received on XXXX XXXXXXXX XXXX  These cards do not require activation. Sticker label : " These cards are ready to use ''. ( see attached photo. ) These activated, unrequested cards can be used by phone, chip or stripe reader. We do not use XXXX or equivalent ( inexpensive XXXXXXXX XXXX  phones ). We use card chip readers. Any felonious US mail handler or delivery person who owns a BOA card account and receives one of these cards can then recognize the BAO envelope and steal and apparently use ( by chip or stripe ) any number of contained cards without the knowledge of the legitimate account/card owner. We are also XXXX years old. SECURIY RISK.

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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I received a check with a postmark year XXXX from AMSCOT FINANCIAL LENDING SERVICE. I PAID A {$200.00} DEBT IN FULL ON XX/XX/XXXX, AMSCOT REFUSED TO ACCEPT THE ELECTRONIC PAYMENT STATING IT DOES NOT HAVE THE CAPABILITY, THE PAYMENT WAS MADE VIA XXXXXXXX XXXX XXXX & DEDUCTED FROM MY ACCOUNT. I RECEIVED A CHECK COPY OF THE PAYMENT ON MONDAY XXXX IN THE MAIL AMSCOT CALLS ON THE TELEPHONE & DEMANDS PAYMENT OF THIS ALREADY PAID DEBT. I HAVE ASKED THEM TO STOP CALLING, THEY REFUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.

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 2021-08-05 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:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. AS I RECIVED A ALRTS ON MY XXXX XXXX THAT I HAVE AN AMOUNT IN COLLECTION SAYING I OWE XXXX. 
Overview You have 100 % left to pay on this collection. 

Balance {$910.00} Highest Balance {$910.00} Opened XXXX. XXXX, 2021 ( 4 mos ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
This complaint is in regard to a previous complaint # XXXX to Speedy Cash. I thought it was resolved where Speedy Cash accepted the complaint by CFpd as fraud and I was not responsible for the amount owed of {$1200.00}. However now this was reported on my XXXX  report after that report of XX/XX/2021. Speedy Cash/Curo XXXX XXXX, flagged your account as 150 days past due on XX/XX/2021. XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX, XXXX XXXX XXXX ( 150 days deliquent ) balance date XX/XX/2021, Balance {$1200.00} ... I hope this can be resolved and updated on my three credit reports..surprises keep showing up.. Thank you for your further assistance in the problem of fraud, opened by some unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have home equity line, originally from XXXX XXXX XXXX, acquired by Specialized Loan Servicing account # XXXX. I have XXXX balance. 

I have tried -- 5 times now -- three via phone, one in email, and on with their online system to close this account so that I can proceed with refinancing. They respond consistently that I need to pay off the account, or request a payoff quote, which I have -- which is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2021 I made a purchase via Paypal for {$900.00} USD. Since the seller was in XXXX - the amount was converted to {$1000.00} CAD and was transferred to seller after taking out fees. 

Seller later on XX/XX/2021 decided that he does not want to go through the transaction and returned me the full amount of {$1000.00} CAD and so I was expecting to get the full {$900.00} USD back since there hasnt been significant change in the USD CAD conversion rate. But Paypal used two different rates to first convert USD to CAD when i made payment to seller and a different USD to CAD when the seller refunded, resulting in a refund of only {$860.00} or a loss of {$37.00} for me without having made a transaction.

I tried resolving this with paypal multiple times but they are not willing to refund me on this
and blame it on exchange rate - the exchange rate for USD CAD has not changed in last month and the difference in the payment and the refund is being pocketed by Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
this is not about repeated phone calls but since there is no field to select that fits my complaint i had to choose one of them randomly.

My complaint is about Bank of America not giving me a hardship program when my other credit cards did. How do 8 of my other credit cards give me a hardship program and see it fit but bank of america doesn't?

When i call bank of America, they tell me only credit counseling is available because i have outside debt. ( which bothers me cause i told them they were all already closed and enrolled into hardship programs but Bank of America doesn't acknowledge that and skips right over it. Mainly because i believe they don't want to help me.

PLEASE HELP ME!!! i am behind on the Bank of America debt and cant afford to pay the minimum payments.

AGAIN - if my other card companies saw it fit to help me then Bank of America should also. 


Thank you, 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