vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchase {$20000.00} in crypto thru Robinhood app I purchased it at {$55000.00} and Robinhood said I purchase at XXXX, I took a huge lost which I never recover the money to this day, I do have proof of my transaction, I've tried for a week to call them but they don't have a contact info just an automated email that does not answer my question. 
I tried to search the internet of other if this was normal and I found out that I'm not alone on this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There was a promotion at the end of XXXX this year from Barclays on their XXXX card. The offer says Best Offer Ever, and XXXX points instead of regular XXXX points. The condition is to spend {$1000.00} in the first 3 month and additional XXXX points after I spent {$6000.00} on the purchase within 12 month. I met all the spending requirements within timeline but have only received XXXX points. It is almost 3 month and after I made inquiry I found out Barclays mailed me a different type of XXXX XXXX card that did not qualify for this promotion. I did not even know there are different type of XXXX XXXX  card until now. Try to resolve the issue with Barclays but no success so far. I saved all the evidence but Barclays are not interested in seeing any of them.

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 2021-04-22 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: IL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: TX

Complaint narrative:
Here is the situation, my husband and I lived at the XXXX courts for almost six years and it came to a point where the neighbors were so disrespectful and inconsiderate after only being there for one year. We spoke with the leasing office and we tried resolving the issues and it continued for months, therefore, it left my husband and I no other choice but to find another place to reside and we had to break our lease, we totally understand breaking your lease before it expires, you are still liable for the remainder of the terms on that lease. I feel we had probable cause and therefore when the timing is right and the funds are available we will in turn take care of this matter! Until then, it does not give the reporting company to keep harassing us about non-payment at my work place. I prefer they didn't call, but they have yet to sent out a letter, in regards to this matter!

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 2021-04-22 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:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2021-04-22 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: MD

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Godwin-Jones & Price, P.C.
State: VA

Complaint narrative:
Hello, I was a tenant at XXXX XXXX in XXXX, Virginia, with an excellent record for several years. Even when recovering from a XXXX and living off savings to heal, I remained current with my rent payments. However, around the time COVID appeared and I was trying to interview to start working again, my savings had dwindled. I had communicated with management at the property and let them know I was waiting on my tax refunds in XX/XX/2020 and would be a few days late with the rent. They chose to take me to court for just that one missed payment. The shutdown hit a month or so later, and I was communicating with them throughout it all. Fortunately with the moratorium on evictions in VA, I was able to stay in my home. When that moratorium was lifted, the community promptly evicted me in XX/XX/2020. I still wasn't working and therefore was basically homeless, though some great friends opened their homes to me until I was offered a position in XX/XX/2020. Once I started working again, I have been steadily paying the balance down to what I owe this entity through their attorney. Even attorneys I spoke with for advice throughout the situation, and the one collecting the debt, told me they could tell how I managed my money well and that the management company was very unethical in their dealings with me. My purpose today in contacting you is to find out if there's any way that this debt can be forgiven or at least reduce the attorney 's fees that they've now tacked on. When I started paying the debt earlier this year, the attorney told me that my balance was around {$6000.00} and that she had not even received the move-out statement from the community. I made a payment earlier this week - and the attorney commended me for the fact that I was making substantial payments, even while paying to stay in a hotel and keep current with other bills. My credit report just started reflecting this debt ( with an additional amount for the attorney 's fees ) although I incurred it and was evicted almost a year ago AND during a period in which a lot of people were experiencing this situation. The management company ( which was XXXX XXXX XXXX & XXXX at the time I lived at XXXX XXXX was never willing to work with me, ignoring all my requests for help and now are dragging their feet in providing up-to-date information about what I actually owe them. Any advice you can give on how to settle and put this behind me would be greatly appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting old student loan debt from XXXX that has been consolidated under a XXXX XXXX Consolidation loan from years ago as open and in good standing when the loans do not exist anymore. I printed copies of my federal loans from the department of education as proof and they still show all of these individual XXXX loans as being on their own when they are a part of the giant student loan consolidation loan. They also have added tens of thousands of dollars illegally to the amount of student loan debt that I actually owe and have been dropping my credit score each month by 38 to 70 points for no reason. I called XXXX and they said Transunion had to fix it. I called Transunion and they said XXXX had to fix it. I mailed both companies copies of my student loan debt from the Department of Education nd neither had removed the individual closed loans from my credit report. XXXX and XXXX have my loans right and I even told Transunion this as more evidence. They did nothing innresponse and I have called and they still do nothing. Meanwhile my credit score fluctuates illegally every month and the student loan debt is wrong and is impacting me getting a mortgage and has stopped me from getting a mortgage.

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 2021-04-22 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:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-04-22 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: GA

Complaint narrative:
Benchmark XXXX XXXX sent me an Escrow Shortage statement on XX/XX/XXXX that is incorrect and I have tried multiple times to get a response from Benchmark to no avail. 

Reason for the shortage they claim : - XXXX tax payments from escrow - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX - XXXX Adjusted payment dates from Benchmark - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX ( Tax bills do not even come out until XXXX ) Benchmark told me on a recorded line that they would review the taxes and have this review completed by XX/XX/XXXX. The review has not been completed and you can not talk to anyone besides a customer service representative that does not have any information. 

Benchmark is telling my I have to pay {$3000.00} by XX/XX/XXXX or my mortgage payment will increase by {$300.00} per month. 

The escrow shortage Benchmark is claiming, is incorrect due to them adjusting them moving up the tax payment dates. 

Benchmark XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CONSUMER PORTFOLIO S Inquiry : XXXX XXXX, 2020 double times with same dates. 

XXXX Inquiry : XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a Guitar Center store card that is financed through Synchrony Bank. My account is in good standing and I have been making payments regularly for many years. Due to covid and my loss of work my credit score has degreased and Synchony bank decided to close my account because of my low credit score even though I have good history with them.

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 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PAYPAL CLOSE MY ACCOUNT FOR NOT REASON AND WILL NOT HELP ME WITH GETTING IT BACK UP AND GOING. 

PAYPAL ASK ME FOR VERIFY MY IDENTY AND AFTER I SENT ALL DOCUMENT THE SYSTEM CLOSE MY ACCOUNT AUTOMATIC I UPLOAD THOSE DOCUMENT. 

I CONSIDER PAYPAL IS NOT DOING HER JOB FOR HELP CUSTOMER TO RESOLVE THE PROBLEMS. 

NOW THEY DIDNT TAKE MY CALL S, THEY NOT REPOND MESSAGE. 

i never had any problems with my account. 
i just add money for buy online but the company just locked without any reason. 

my email is XXXX. 
THE REFERENCE CASE IS XXXX THIS COMPANY IS SCAMMER. 
that why i file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2021 I requested to close my account with Chime Bank and receive the balance of my account ( over {$1000.00} ). As of today ( XX/XX/2021 ) I still do not have the check that Chime indicated would be sent to me after the closing of my account. I have contacted them an exhaustive number of times and each time I am told that my issue will be sent to the escalation department who each time tell me the delays are due to COVID and they will reprint the check and expedite shipping. Yet here I am. With no " reprinted '' or " expedited '' check. It does not appear as though I will be able to get out of this circle of contacting them, being told it will be escalated and expedited, only to sit here without money that belongs to me and has caused a negative financial impact on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
There is addresses on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been paying for a credit monitor service through Experian in order to improve my credit score for the purposes of purchasing a home. The credit simulator provided by the company is said to predict your score based on different scenarios. One such scenario was to pay down/pay off credit cards, which I did and reduced by revolving credit below 30 %. This was supposed to increase my credit score 16 points. However, when this was reflected on my account, my score did not change. For the past few months I have paid approximately {$7000.00} off in debt to improve my credit score based on this simulator to prepare myself for a home purchase. However, my score did not change as predicted for nearly all of these payoffs/reduced balances etc ... despite showing up on the Experian report. The frustration is that the money could have been used for savings and other immediate family purposes and the other bills paid were not behind and were going to be paid off soon but was hoping to improve my interest rate slightly. This is unacceptable. This company generates its own score and should be able to predict how it will change when things are reported. Furthermore, you're paying for a service that holds you hostage as a consumer and have no real choice but to abide by this antiquated system. The fact that their simulator was misleading and did not accurately predict my score now made me lose money that could have been used on a downpayment for a home since I am still within the same range that will dictate my interest rate. The service is a scam.

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 2021-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: MN

Complaint narrative:
I have an escrow account through Plaza Home Mortgage. They have yet to pay my property taxes or conduct an escrow analysis, which I first requested in XX/XX/XXXX. They have yet to respond to two e-mails despite the first e-mail sent on XX/XX/XXXX informing me Id receive a response within 5 business days. I need to know my property taxes will be paid and not delinquent, and that the reduced amount of my tax burden is reflected in my monthly escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
No matter what happens chime tells me Im at fault for something and wont be credited .. 

The XXXX XXXX XXXX XXXX XXXX dispute I have i need to be credited for The XXXX dispute I had I should be credited for theyre system doesnt tell you whos account is connected to a number until after You send it and then they tell you its nothing they can do I didnt notice I put the wrong number and do now Im just out of my $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have filed a complaint against XXXX based on the fact they are violating my HIPPA AND FCRA rights by placing these unverifiable bills on my credit report and experian is also violating my rights by allowing them to verify debts that this company doesnt actually have the necessary documentation that they need to comply with fcra at all they have no right to access my ssn which is need to verify any collection they also do not have a contract agreement with me and their company or me and the alleged hospital they dont even know whats the reason of debt if any and yet experian is not helping the consumer they are instead helping the collector which is not what they are supposed to do how can they verify one collection but not the other that is impossible all accounts must be removed and remain removed

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX double times with same dates. 

SYNCB Inquiry : 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