vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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 — Problem with personal statement of dispute
Company: Synovus Bank
State: OR

Complaint narrative:
I have called this company 31 times first progress credit card they refuse to remove highest balance of {$89.00} which is created from annual fee and late fee from not paying annual fee { period } I canceled my account without using the card on XX/XX/XXXX I was told the money order I sent in 16 days prior to due date that they never got. I was told if received after cancellation it would be mailed back to me first progress cashed the money order XX/XX/2021 then sent me a statement stating I made a purchase of {$49.00} and the statement showed {$49.00} was paid off. first progress refuses to remove late payment on credit report and stole my {$49.00} I have been hung up on by supervisors lied to by other supervisors XXXX, XXXX or a couple of the names I remember, telling me that they can not remove the highest balance. they illegally cashed my money order { period } and they are damaging my credit score knowingly. I sent in Goodwill adjustment letters they had said they would fix the incorrect information on my credit reporti they did not I had contacted XXXX and when first progress replied back the stated they fixed it they did not. This company is taking advantage of people lying to the consumer and stealing their money { exclamation-mark } I have all of my paperwork from every single statement they have sent me each month to copies of their response writing XXXX. I also have the receipt for the money order that first progress cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CA

Complaint narrative:
I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, equifax and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XXXX XXXX 2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and equifax however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, XXXX and experian. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from experian and XXXX  however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP

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 2021-02-06 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: I.C. System, Inc.
State: CA

Complaint narrative:
after reviewing my credit report I was shocked I have never had any dealings with XXXX and they have a crazy amount on my credit for {$2600.00} it is being reported by IC systems and it does not belong to me i ahve sent multiple letters disputing this over the course of 1 year and have never received any response back. PLease help

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 2021-02-06 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: PA

Complaint narrative:
Hey, I never gave CAPITAL ONE permission nor the right to report on my consumer report & the fact that this account is reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : CAPITAL ONE : XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-02-06 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: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
On XX/XX/2019 I filed a police report because I noticed fraudulent activity on my credit report. This is an on going issue with fraud on my identity. I have multiple fraudulent accounts that still remain on my credit report and due to these fraudulent accounts my credit report has been negatively impacted severely. These three credit bureaus, ( XXXX, XXXX, and XXXX ) have been reporting fraudulent accounts without the proper legal validation as per the Federal government. Once my identity was exposed, fraud has been reoccurring from the lack of proper screening by XXXX, XXXX, and XXXX  on these non validated accounts.. Before I proceed to litigation and start my filing of an order to show cause through the courts, I demand these fraudulent accounts be removed immediately. I have been advised by my local police department to file these complaints as the next step.

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 2021-02-06 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I conacted santander in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and XXXX  along with XXXX with no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a XXXX XXXX XXXX credit card by American Express with account number XXXX XXXX XXXX. American Express National Bank did not make me aware that I would be personally liable for XXXX, XXXX business credit cards debt of {$37000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX  XXXX XXXXXXXX in XX/XX/XXXX. 

I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of XXXX cycles, each started with 4-hours XXXX at XXXX center and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX  and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my knees and on my hands. 

On or about XX/XX/XXXX, American Express retained XXXX XXXX XXXX, XXXX. contacted me to collect the business credit card debt. I called its attorney XXXX XXXX XXXX. It said American Express did not inform it that the debt was a business credit card debt, and it did not contact me anymore. 

I contacted American Express, it said it will report the debt as disputed debt to credit bureaus as my personal credit account. 

On or about XXXX XXXX, XXXX, American express retained XXXX XXXX , XXXX to collect the business credit debt. 

A staff of XXXX XXXX XXXX XXXX called my daughters personal phone number, called my ex-son-in-laws personal phone number to collect the business credit debt. In addition to multiple phone calls to my personal phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I conacted XXXX in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and transunion along with XXXX with no success. Please help.

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 2021-02-06 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have TRIED several times but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights.

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 2021-02-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My purse was stolen back in XX/XX/2020. Since then the bank of america unemployment cards agents have sent me about 4 different cards that fail to work. 

I haven't been able to access money in about 4 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have TRIED several times but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
I'm a XXXX XXXX  veteran and fell into hard times with many health issues including XXXX  and needed assistance in paying my bills. XX/XX/XXXX after researching the best debt relief companies, I contacted Freedom Debt Relief and was very impressed with thier orientation and they appeared the best to handle my debtsI addressed my concerns regarding being apart of negotiation, ability to have access and receive copies of documentation from creditors and all legal documents. Freedom Debt relief agreed and also offered legal representation for an additional {$12.00} a month to protect me..with a promise from Freedom Debt that their lawyers would always be there when needed .At that point, I felt relief knowing I was being under their wing to handle my debts.and signed the documents giving Freedom Debt Relief full control of my debts along with an agreement to withdraw {$750.00} twice a month from my bank. 
It wasnt until the following year during an authorization request I learned XXXX XXXX sent documents stating I was being sued and I had not received notice nor documentation regarding that issue from Freedom DebtI questioned the actions taken by Freedom and was told it was on my web pagenever found nor had access to this information.. ..I was allowed to watch many videos regarding Freedom Relief negations which only created more confusion ... let me move forward regarding my deposits From XX/XX/XXXX - XX/XX/XXXX I deposited {$15000.00} into the my Freedom account .thinking I was paying off my XXXX XXXX accounts but was shocked to see my deposits were not going out to creditors ..instead Freedom Debt relief paid themselves first instead of to my Creditors almost {$7900.00} in Fees went to Freedom Debt relief it was a sicking feeling seeing that only my two of XXXX XXXX accounts had only been paid {$7100.00} One more issue, Freedom Debt Relief from XX/XX/XXXX through XX/XX/XXXX constantly harassed me with emails and text messages that stated ..if I didnt increase my payments to them then I would lose all the money in my accountthis went on and on every month while Freedom Debt charged more and more for fees to pay themselves.when I finally decided to move to another Debt relief program I had {$860.00} in my account ..and and request its return to my checking accountI received $ XXXXFreedom Debt relief took {$700.00} for fees .Freedom Debt Relief ..needs to be investagted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account was paid in full on XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I am a Robinhood customer with a new XXXX XXXX account. I initiated a full account transfer ( ACATS ) from RH to XXXX on Monday XXXX after calling XXXX and going over everything with them. I expected the transfer to be complete within 5 business days, ok if longer. At time of transfer my account was positive, had never used margin, and contained only stocks, a small cash balance, and a few options to transfer. The approximate value of the account is between {$45000.00} and {$50000.00}. On Tuesday XXXX RH closed my account and I could no longer access it. By Friday XXXX I received shares and options that showed up in my XXXX account. 

At time of writing all my shares have shown up except for fractional shares left over and my cash balance on my Robinhood account. I received no messaging about the account or the process or when to expect my money. 

During the business day on Friday XXXX two withdrawal/debits appeared in the account that put me negative and on margin. One withdrawal is for XXXX dollars which is the Robinhood transfer fee. The other is a charge for - {$4900.00} that XXXX has recorded as a negative charge and put me on margin. I believe I am now at risk of a margin call and will start accruing interest on the negative amount with XXXX on Monday. 

I called XXXX and investigated it with them, describing the transfer and reviewing the charges. They identified the - {$4900.00} charge labeled " Cash Movement of Incoming Account Transfer '' and they do not know what it is. They've asked me to take this up with XXXX. I asked management to make sure my account is noted properly for later investigation so I can keep track of this and fight for the interest accrued later. Robinhood does not have a phone desk, only an email address. I have emailed them requesting attention and tweeted at their app account on twitter. I am filing this urgently with you as well because so many people are having issues and RH support is nonexistent.

Company response to consumer: Closed with explanation