vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I opened up a Robinhood account back in late XXXX or early XXXX and was investing money in several stocks and crypto. A few months back Robinhood froze my account with over {$26000.00} in it and refused to give me a reason. They wanted me to submit a social security card, drivers license, unredacted bank statements showing amounts in my account, selfie holding identification, etc. I did not have a clearly legible social security card that my phone camera would pick up, it was just old, and I explained this but they made me get a new one from the Social Security Administration which took weeks. I initially sent funds from my business account to Robinhood and when I sent that exact account 's bank statement Robinhood said it have to have my name on the account NOT my business. Again, I did NOT change anything, not one thing. I wanted to move funds back into the SAME account from which it was sent to them. Same account, same account number, nothing changed. I finally received my social security card and sent that so they have everything they wanted from me but they only say, " we are still reviewing ''. Nothing else. They are holding 26K of my funds for NO REASON. Please assist if able.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to Capital One Bank to dispute the item in question and Capital One could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from Capital One informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. 

This item needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint Mortgage company is reporting my payment as late and charging a late fee and reporting to the credit bureaus late payments. My payment is automatically withdrawn from my checking account every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I just recently sent a complaint anout Wells Fargo not letting me open account now the day say I owe then 3 hundred dollars I dont owe Wells Fargo nothing yall close my account for nothing yall are XXXX and its getting annoying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status in this account CAPITAL ONE BANK USA N XXXX XXXX No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history on the other bureaus that proves my late charges on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Collection Systems, Inc.
State: KY

Complaint narrative:
The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I need to dispute 4 transactions in my account made with my Debit card. 
The merchant never sent the items and I tried to reach the bank by phoen many times, nobody answered. 
So I sent them an email to " XXXX '' and they answer I should call them, but they dont pick up the phone so XXXX forced to submit a complain at CFPB. 

XXXX ) XX/XX/2021, XXXX {$810.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$84000.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$96000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$97000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX I was advised by Chase Bank through a service they provide that my address was changed and there was an attempt to open up a XXXX credit card via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that XXXX had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( Chase ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I took out a {$24000.00} loan. I was promised a lower rate if I directly paid off other debt. I used XXXX to pay off a loan with XXXX XXXX. It has now been 2 weeks and they claim the process is to mail a check to lending tree. This was not disclosed i was led to believe that it was ACH .4000 was dispensed to me on the 27th. the XXXX is still in limbo. I am paying interest on both loans as Upstart will do nothing for 15 business days ( 3 weeks ) lending tree is charging me interest and Upgrade is charging me interest and both loans are due in 2 weeks so I have to come with over {$1000.00} for both loans this month plus the extra interest on both loans. I would like at the very least to be reimbursed for the extra interest payments for the almost 19000 that is still sitting Upgrade 's accounts and in none of my accounts and I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a PNC bank to open an account because I didnt have a checking account. All I had was a credit card account with a different bank. I keep all my money on me as cash or in my friends accounts in case they need to help me pay for something online. So after I got my account open, I asked my friends to send me back my money and they did. I woke up one morning to see that PNC locked my account. The money in my account is supposed to pay my college tuition, my car note, my insurance payment and so much more bills all which are due. Over the course of my account being restricted, Ive had to start borrowing money from people just to feed myself and theyre already asking me to pay back. I contacted PNC bank to have them open back up my account and give me back my money but the customer service agents keep trying to transfer me to the fraud department. Whenever they do that, the fraud department never responds, I spend hours on the class and nobody ever responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status in this account REGION/XXXX XXXX. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history that proves my late charges on this account and there is no balance indicated on the other bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: Volvo Car Financial Services U.S., LLC
State: PR

Complaint narrative:
Apparently someone used my social security # /credit information to obtain a new vehicle on XX/XX/2020 via Volvo Financial Services XXXX Said vehicle was apparently later repossessed and I'm seeing an outstanding balance of {$10000.00} charged against me on my credit reports! I opened a report # XXXX yesterday on XXXX and they explained to me to contact ftc.gov to report it also ( I HAVE credit monitoring, alerts AND freezes in place yet this still happened! ) I live in XXXX XXXX, I have at NO time lived or visited South Carolina and much less authorized or purchased ANY vehicle there!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MI

Complaint narrative:
On XX/XX/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to XXXX XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from XXXX  XXXX informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. This item needs to be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX ***** XXXX XXXX, XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received a notice of violation from Delaware. A state I have never been in. The photos in this alleged violation shows a vehicle like mine but the photo of the license plate is too blurry to view it. They simply made a guess and sent me the violation. This was not my car and there is no other proof it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NJ

Complaint narrative:
In XXXX I was advised by XXXX XXXX  through a service they provide that my address was changed and there was an attempt to open up a XXXX XXXX XXXX via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that Equifax had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( XXXX ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
The loan was consolidated from XXXX XXXX in 1997. The interest rate is/was 3.120 %. Since 1997, I have continued to make payments on the loan and the loan has not paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: Happy Money, Inc.
State: CA

Complaint narrative:
Happy Money, a Company located in XXXX, California has kept a erroneous balance open on my XXXX Credit Report. The same Company closed said account in XX/XX/2021 with {$0.00} balance. They have harassed me for a alleged {$40.00} balance after my personal loan was totally paid off. I have NEVER missed a payment in 12+ years. They are trying to destroy my Credit History and XXXX  Score for complaining about rude staff. My XXXX  Score dropped XXXX points today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I never received any notices from Elevate Recoveries. I only became aware of this fraudulently attempt to collect the amount of {$660.00} after it appeared negatively on credit report. The collection notice states the original debt is from XXXX XXXX  XXXX, which has been closed for almost a year. I called Elevate Recoveries and the several weeks ago and was emailed the statement, that I will later upload in this compliant later. Elevate Recoveries has placed this collection on my credit report and has caused my credit score to drop down more than XXXX points. 
I have been in communication with XXXX, my insurance provider at the time, and was giving the following information. 
On XX/XX/XXXX, Claim # XXXX, services provided was for {$1400.00}, {$660.00} Contracted amount was for {$250.00} XXXX paid {$83.00} and my co-pay was for {$170.00}, which I paid. 
Please not that on XX/XX/XXXX, Claim # XXXX, services was for the amount {$660.00} and was from XXXX XXXX XXXX  OF XXXX XXXX, and not ( XXXX XXXX XXXX ). 
Contracted amount was for {$81.00}, XXXX paid {$81.00}, leaving my co-pay at {$0.00}. 

I would like to have this collection removed from my credit report immediately.

Company response to consumer: Closed with explanation