vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I am attempting to retrieve {$100.00} which was stolen via an automatic withdrawal from my personal bank account and deposited into someone's account at the ROBINHOOD trading company on XX/XX/2021. 

I am NOT and have never been a customer of this company. 

I immediately contacted my bank to stop any future withdrawals from my account. 

Robinhood only has an email " customer service '' and it seems to be automated because they are constantly confused, keep asking for the same information repeatedly and nobody has addressed my complaint.

All bank transaction information ( date, amount, bank name, transaction information ) has been sent to Robinhood so they should be able to determine whose account my stolen money has been deposited to. 

This back and forth has been going on since XXXX with no resolution and nobody to talk to at their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called to settle a debit with Chevron credit card co and a man answered wanting all my personal information upfront before he could assist me. After I gave him my social security number he then told me he was a different credit card company however, needed my address as well. I recited the phone number listed to call XXXX he acted confused about my call, but continued to press for more information about me knowing he was not a representative for the company. When he asked for me to repeat my full social security number again l hung up the phone.

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 2021-09-30 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: MA

Complaint narrative:
The online account was closed by XXXX on XXXX  without prior notice. Upon contacting the the bank I was told for business and that no further explanation would be given. I requested the final balance be retuned to me at which point I was the funds {$120.00} would revert back to the institution they were sent from. I contacted them again a week later and my balance accordingly to the associate was 0 I told them I never received my funds at which point she repeats the same line repeatedly closed for business reasons Ive never had an experience like this and Id never use XXXX or any of it affiliates in the future

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 2021-09-30 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, B, AND A that NORDSTROM/TD BANK USA , XXXX XXXX and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ) Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
O & L Law Group, P. L. 
XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX as representative of O & L Law Group Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notified O & L Law Group , P.L. , a debt collector, via a recorded telephone conversation on XX/XX/2021 to cease-and-desist collection on this account. However, this request was ignored as I received additional information from O & L Law Group regarding this case. This second notification to O & L Law Group is to request that you cease and desist all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union and XXXX will not allow me to access my free annual credit report. Also XXXX is reporting the wrong balance on the report I was able to access from 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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: TX

Complaint narrative:
I have a collection account on my credit report from XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
Emailed company with issue, company will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2021 I received email notification about a new ChimeXXXX account opened in my name that I did not apply for. I later received a ChimeXXXX debit XXXX card in the mail at my address that I did not request. The account and associated card were fraudulently opened using my identification. 

I contacted Chime by phone and by email. After a days-long series of communications with Chime support and after supplying information they requested, Chime said they would close the account. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation by mail from Chime. 

I further requested whatever additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's XXXX site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was issued by XXXX XXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. XXXX did reply to my FDIC complaint. However, it was clear from XXXX response that they are entirely reliant on Chime for account management and customer identity verification. So I am refiling my complaint with the CFPB in hopes that they are the right agency to provide oversight. To the best of my knowledge, no action was taken by the FDIC against either XXXX XXXX XXXX or Chime Financial Inc. for apparent violations of the BSA and USAPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
We refinanced with Mr Cooper in late spring of 2021, made the first few payments and everything seemed normal. In late XXXX of 2021 the company completed a reevaluation of the escrow accounts and determined that our payment was to increase from {$2700.00} per month to {$4200.00}. 

During the month of XXXX we have contact the customer service twice by phone, and three times on the web service. Each time we were informed our request would be sent to another department to look into the problem. Some of the written requests were replied with comments to the effect that the problem has been previously addressed.

We have taken the time and gone through the paperwork. The problem in the escrow is a fire tax payment. Mr Cooper has added the tax, at 10 times the actual cost. The tax has also been paid in full, it has always been, and is always billed directly to the home owner ( comment made by the fire tax collection office ).

We have taken the five minutes of time and called the fire tax collection office ourselves and verified we were paid in full and the above information. We have relayed this information to Mr Cooper customer service, who then states they are sharing the information internally with the department with whom we are not allowed to speak.

In the end, this is a huge increase in our monthly payment which we can not afford for the next 12 months. But it is also a payment we should not have to make for the next 12 months. Mr Cooper seems content to float our cash and does not care about the personal costs that might be occurring. We feel that the company is not acting in good faith. 

The system Mr Cooper has set up blocks real problem resolution, I can only assume so that the majority of customers give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute the fact that a closed child support case hasn't been removed from my report and is well over 10 years ( closed XX/XX/2009 ). Equifax is refusing to remove it and it is tarnishing my credit making it hard for me to improve my credit and purchase a home. 

ATTACHMENTS : *Letter from child support about closure. Its on the last line where they state case number. It matches up to the Equifax report account. 

*Equifax report ( page 20-21 is the account ) *Dispute results from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and Experian will not allow me to access my free annual  credit  report. Also XXXX is reporting the wrong balance on the report I was able to access from 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
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
My cell phone wallet was stolen from my car on XX/XX/XXXX during a walk in the park outing, and several unauthorized charges were attempted, XXXX of which tied up more than {$800.00} of available credit for almost a week, the other for $ XXXXish actually posted. 

Unlike ALL the other banks and credit card companies I had in that wallet, who recognized the fraudulent activity and cancelled the cards- most even before I made it back to my house within the hour - Arvest allowed the charges against my account. I waited on hold for an hour later that evening - as soon as I returned home - to reach an XXXX customer service representative.

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 2021-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Starting XX/XX/XXXX, I began receiving emails from a company called Chime. Up to this point, I had never heard of this company before. I found out that it is an online mobile banking service. The emails sent to me were congratulating me on opening a new account with them ( which I NEVER did ). Today ( XX/XX/XXXX ) I received an email informing me that my " Chime Visa Debit Card '' has been sent to me. The address the card was being sent to was XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This is NOT my address. I have emailed the company several times and have not received a satisfactory response yet. Calling them directly is impossible because they are difficult to reach. I am upset that a 'technology based financial business ' would not have a better system for spotting fraud. I have not lost any money but I am very concerned about what that account is being used for especially when it is in my name. I have filed a report with the FTC and plan on filing a report with the local police. I have since placed fraud alerts with all the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a consumer, XXXX XXXX, previously XXXX XXXX, and I am writing this complaint today because EQUIFAX violated my consumer rights as well as invaded my individual privacy. I notified EQUIFAX on multiple occasions that they NEVER had my consent to furnish my consumer report to various institutions. They neglected to abide by federal law as well as protect my consumer rights! They furnished my consumer report to 7 institutions on XX/XX/XXXX and 4 other institutions on XX/XX/XXXX without my DIRECT consent or without permissible purpose. This caused damages to my consumer report and according to EQUIFAX 's erroneous " scoring '' they labeled my credit worthiness as " poor '' for having multiple " hard inquiries ''. I spent months disputing these negative remarks with EQUIFAX over the phone with multiple representatives all to which refused to. These representatives stated inquiries are factual information and must remain on the report for two years! I had no success getting these items removed from my consumer report or receiving documentary evidence from EQUIFAX of having my consent. On XX/XX/XXXX I decided to submit a CFPB complaint ( # XXXX ) requesting to have these items removed. I also reported the identity theft to the Federal Trade Commission because my information was in fact shared without my consent. I provided a copy of FTC report along with the complaint. On XX/XX/XXXX I received a confirmation by post mail from EQUIFAX stating that they had deleted the inquiries from my report. Over a year later! I am demanding that EQUIFAX be held accountable for the criminal acts they have committed. I am holding them accountable for being in violation of my consumer rights and defamation!! To simply mail me a letter stating these items were deleted does not excuse the fact that they caused damages for over a year! I am also demanding that these institutions be held accountable! They obtained copies of my consumer reports without having my direct consent prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
The customer service at BSI has refused to correct my account and instead continues to charge late payments. 

BSI took my payment REFUSED to apply it to a mortgage payment and instead left it in unapplied. BSI continued to charge late fee after late fee. I continued to pay more and more while the money sat in unapplied. When my complaint was filed they decided to make it a principle payment to cover the error again. I sent more money and a letter to the president of the bank to fix the problem and correct my account and bring it up to date in the beginning of XXXX. 

I DO NOT want a principle ONLY Payment I want my account brought UP TO DATE with NO LATE FEES. I have called, I have written and the bank is still stealing from my account late fees, and NOT allocating the principle only to the correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
XXXXridgecrest Financial has failed to allow me to exercise my federal rights and validate this alleged debt pursuant to 15 USC 1692g ( a ).

Bridgecrest has honored my cease and desist by stopping communication you have admitted to wrongdoing. A cease and desist has two parts cease of communications and remedy these are not separate. By honoring my cease and desist you shall honor my remedy pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1635a my right of recission was not disclosed to me which is a violation. No forms were delivered to me to exercise this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Hi-I made a {$1000.00} payment on my HSBC credit card XXXX XXXX & it has still not been applied to the acct as of ( XXXX ). Multiple attempts to resolve this with HSBC have not been successful. Funds were deducted from checking acct. on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: OH

Complaint narrative:
I had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed Two payment the XXXX XXXX  XXXX and the XXXX XXXX XXXX in the amounts of {$120.00} To XXXX XXXX for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.

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