vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX. 
On XX/XX/XXXX I made an order for {$500.00} to buy stock XXXX On XX/XX/XXXX, I bought {$500.00} more of XXXX On XX/XX/XXXX I transferred {$500.00}. A portion was used to cover a deficit? 
On XX/XX/XXXX I bought {$500.00} of XXXX On XX/XX/XXXX I ordered to buy {$490.00} XXXX On XX/XX/XXXX Account Temporary hold. I verified my identity. 
I continued checking my investment until XXXX of XXXX when I was not allowed to have access to my account anymore. I tried to contact the company by email, phone but nobody responded. The only way to communicate with them is login into your account. I presented a complaint to BBB and they told me Robinhood never answers the complaints. Around XXXX, I was able to login but my account was in ceros. If I want to contact them I have to invest more money. In addition, I had authorized Robinhood to withdraw money from my bank accounts. During this time I have to report fraudulent transactions to my XXXX XXXX and XXXX XXXX XXXXXXXX accounts. I also mailed a letter to the office address I found on the internet. No answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM 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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM 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 2023-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received an offering the mail from M and T bank stating If I deposit {$10000.00} until XX/XX/2023 I would receive {$350.00}. 

I opened a " My choice premium checking account and deposited {$10000.00} on XX/XX/2023 in person with representative XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX. XXXX said just make sure I keep the {$10000.00} until XX/XX/2023 to receive the promotional {$350.00}. He confirmed I met all the terms. I did in fact keep {$10000.00} in the account without any transactions whatsoever until XX/XX/2023 which is well past XX/XX/2023. 

I was told the {$350.00} would be deposited in my account. I never received it. I called XXXX left his messages and emails but he did not respond. I spoke with XXXX at M & T headquarters on XX/XX/2023. She said I met all the requirements and does not know why I didn't receive the {$350.00} promotion. She said she can not do anything else or help with the matter. 

I then spoke with XXXX XXXX on XX/XX/2023. He said the promotion was not sent to my name. I told him it was sent to my name and I have the original promotion and read all the terms and conditions. The promo was sent to me but show me where in the terms and conditions it needs to be in my personal name. He refused to answer and said he " would not get into that '' I reiterated that I have the promotion in front of me there are 4 terms listed 1-4 on the back to let me know where it states what he is saying that the promotion needs to be sent to my personal name. Again he refused and also refused to honor the promotional terms. I explained that I fulfilled the terms and kept {$10000.00} in the account from XX/XX/2023 until XX/XX/2023 and that XXXX confirmed I met all the terms and should receive the {$350.00} as promised. That if they do not give it to me it's more then false advertisement it is theft. Unfortunately he continued to say he can not and will not do anything further regarding the matter without substantiating or indicating which term I have not met on their promotional flyer 's terms and conditions. M & T is deceiving the public, committing false advertisement and fraud.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent certified letters requesting the signed authorization to release personal information and added that I have a fraud alert that requires any inquiries contact me directly. Neither of those conditions were met and I am being asked to resolve the breach with their subscribers. 

It is obvious who their loyalties lie with and it is not the consumer. I am unable to dispute inquiries except through the subscriber. The release of the information did not require a confirmation by me ( the consumer ). It is obvious who's input they honor and it is not that of the consumer. 

I followed the FCRA in requesting confirmation and that, too, was not honored. What are the rights of the consumer when they can not dispute inquiries or incorrect information on their consumer file.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM 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 2023-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have 3 American Express gift cards worth {$300.00} and they will not work, they keep getting declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: SC

Complaint narrative:
My identity was stolen and I never had this credit card in the amount of XXXX with KickOff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a transaction at a rental car company for a XXXX rental for XXXX $ when visiting XXXX XXXX XXXX XXXX, 2023, Later that day I was not satisfied with the service because the car condition was not as promised and there was an insane mileage estimation ( and later I realized it's more like a scam ) in the contract so I returned the vehicle on the XXXX. The company used the signature policy as an excuse and refused to refund. 

I called Chase Customer Services on the XXXX  and submitted a dispute. It took them 2-3 months to investigate the dispute with the same excuse ( signature ) and told me that they thought the charge was valid. I think it's really absurd since the merchant intentionally cheated on me in the first place and my signature shouldn't be used as proof to refuse the refund and Chase Bank should know that very well. I tried to reopen the dispute by sending a letter, but they didn't respond anything until I called again. They told me they saw the request/letter but couldn't process it due to a lack of a handwritten signature, not just a printed version. But they never call or email or mail me anything to notify me of this issue. The laziness is really astonishing. After submitting the letter with a handwritten signature, Chase remains the same result within only 10 days. I suspect they didn't make any further investigation but just repeating themself. I called once again and sent a mail to reopen the dispute claim for the second time to the po box of the Chase Customer Department in XXXX, Ohio. After a short time, they still gave me the same resolution without any meaningful explanation rather than routine replies. 

The other unprofessional action is that I submitted a dispute first under the category of 'not satisfied with the service '. But soon i realized the nature of this transaction is more like a fraud/scam. But Chase Bank refused to change the dispute type and made me insist on this claim by repeatedly submitting the reopen request. During the process, they even use the excuse that the claim was posted a while ago to persuade me to give up on the dispute request so they can hide the slack in their work. 

So far, I haven't heard anything from them and this claim has been opened and reopened for more than 4 months since XX/XX/XXXX. The statues on the mobile app or website for dispute tracking are always duplicated and not updated on time. 

There must be something wrong in their organizational structure and Standard protocols that makes " disputing such obvious case '' difficult and torturing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX are reporting as negative non payments on my credit even though the accounts are closed. 

Experian in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-10-29 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 19 inquiries from capital one n Ive never applied for any credit card from them Im a identify theft victim n its hurting my credit with hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX, XXXX. and the members at XXXX XXXX XXXX are violating XXXX XXXX XXXX. The term " debt collector '' does not include any attorney-at-law collecting a debt as an attorney on behalf of and in the name of a client. 

Furthermore, XXXX XXXX XXXX has been notified the allegation of debt they are inequitably trying to collect has been XXXX. Bank of America has provided this evidence on their own letterhead. 

The law is being violated on multiple fronts. 

Furthermore, my initiating security has not yet been returned to me. Therefore, securities laws are being broken as well. These violations will be taken up elsewhere.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX I am requesting that you remove the phrase below from my credit report and never put it back on again without my explicit permission to do so : Notices This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX. 

Attached to this complaint are : - written complaint - screen shot of where its located - drivers license - social security card - address I did not give permission for this to appear and expect it to be removed at once.

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 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My coinbase wallet can't get identification verification and I have several Clear and valid documents to support my identity. It's been in limbo for several weeks and no verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My morgage transitioned from XXXX XXXX who received my final mortgage payment before the transition to New Rez. This " XX/XX/XXXX '' payment was made late XXXX. So I did not send my XX/XX/XXXX payment to New Rez ( I did this under direction of XXXX XXXX ). XXXX XXXX did not account for this in the transition and they have stolen my mortage payment. Otherwise New Rez after numerous calls and a formal complaint submission by myself with banking transactions, continues to regard my automated timely payments as LATE. This has resulted in four credit report penalties and my score has dropped XXXX points. I have been promised this accounting will be resolved however they still keep ruining my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation